vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonablere-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items, despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian inaction violates federal laws and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I have been receiving emails saying my personal information has been exposed to the internet. When I logged into my credit app XXXX seen that my credit score has went down a tremendous amount. A company that Ive never heard of has got a loan and sent it to collections. Im trying to file a dispute it should only be two accounts in my name for XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card account and is reporting a charge-off balance of {$21000.00} on my credit report. However, there are several issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$21000.00}.

They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations . 

I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information. 

2. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported.

3. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: MA

Complaint narrative:
I have a Bright Money account where they take money from my personal checking and add it to a " stash ''. From the stash they pay certain credit cards towards their balances. For some reason, XXXX paid my XXXX XXXXXXXX card {$82.00} but XXXX : XXXX  XXXX didn't receive the payment ; and XXXX : XXXX  XXXX had a XXXX balance so why would they pay a XXXX balance card? I sent multiple e-mails to support and also to support chat where they told me that they have confirmation that the payment was sent but refused to look into it further. When I called support on XX/XX/year>, I made them have a three-way call with me and XXXX XXXX so that XXXX XXXX support can tell them they did not receive payment. Since then, XXXX  has done nothing to reimburse me my {$82.00} nor have they tried to rectify this situation. Each time I send a follow-up email, I get the same templated response that my issue has been " escalated to the team ''. Bright Money took my money out of my checking account and kept it for themselves when they lied and said they paid XXXX XXXX. XXXX is committing fraud and deceiving their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX U.S.C XXXX SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian XXXX Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of XXXX U.S.C. XXXX ( a ). 

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : XXXX years from the date of filing for XXXX  XXXX bankruptcies. 
XXXX  years from the date of discharge for XXXX XXXX bankruptcies. 
The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under XXXX XXXX must be removed from the credit report after XXXX years from the date of filing. 
Bankruptcy cases under XXXX XXXXXXXX must be removed after XXXX years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after XXXX years from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian XXXX  Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to XXXX U.S.C. XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of XXXX U.S.C. XXXX ( a ). 

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : XXXXXXXX XXXX  from the date of filing for Chapter XXXX bankruptcies. 
XXXX XXXX  from the date of discharge for Chapter XXXX bankruptcies. 
The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX U.S.C. XXXX ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under Chapter XXXX must be removed from the credit report after XXXX XXXX from the date of filing. 
Bankruptcy cases under Chapter XXXX must be removed after XXXX years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after XXXX XXXX from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. XXXX U.S.C. XXXX, section 602 ( A ), states that I have the right to privacy. 

XXXX U.S.C. XXXX, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

XXXX U.S.C. XXXX ( a ) ( XXXX  ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received a notification from XXXX XXXX about a change to my card from Experian. Experian upgraded my account that I have had for XXXX  years. I didnt authorize this transaction. After investigating the charge. I discovered Experian has personal that I didnt give them. I tried to remove the information, with no luck. I tried to shut my account down. There is no way to get rid of my account. I filed a dispute with XXXX XXXX. I then contacted Experian and the website states on refund or credit. I called them and told them I didnt authorize the upgrade to my acct. They said they would give me a XXXXXXXX XXXX refund. They did. Since they have my credit card information. I am afraid they will try this again. XXXX days after this happened, I told my daughter about the incident. On XX/XX/XXXX, my daughter reported that she too had received an unauthorized charge from Experian for the same upgrade. We got the notices around XXXX pm for the amount of {$24.00}. My daughter and I arent the only ones being charged. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Seeing my report filled with inaccuracies that hurt my score is beyond discouraging. These mistakes are costing me access to better financial options and opportunities that Ive worked hard for. Its exhausting to fight the same battle over and over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Seeing my report filled with inaccuracies that hurt my score is beyond discouraging. These mistakes are costing me access to better financial options and opportunities that Ive worked hard for. Its exhausting to fight the same battle over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notification from Credit Collection Services in regards to doing business with XXXX  the amount of {$470.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I completed all XXXX qualifying payments for Public Service Loan Forgiveness as described on the Student Aide site as well as on the XXXX site. XXXX payments qualified, my last ( XXXX ) payment was marked as ineligible due to being in forbearance. I provided proof of a XX/XX/XXXX payment and a statement from XXXX that said I was being placed in forbearance on XX/XX/XXXX. I was not in forbearance when I made the qualifying XXXX payment. Student Aid and XXXX reviewed the provided documents and agreed. No one fixed anything or gave me credit for the XXXX payment. They just placed the blame on each other. I submitted a complaint to Student Aid- did not hear back and talked with the Resolution Team at XXXX. The Resolution team corrected the XXXX payment by removing the forbearance for XXXX. The information was updated in the XXXX XXXX XXXX XXXXXXXX XXXX 
Now, someone " needs to review that month for qualifying status '' though no one I spoke to knew who! So this mistake that was made last XXXX with my final payment for loan forgiveness continues to just sit unresolved with no one doing anything. XXXX. They have documentation, the XXXX is updated. Student Aid continues to be unhelpful and disorganized. XXXX is almost impossible to contact by phone. The two of them are not working together to take care of the public servants that took up the loan forgiveness program. I earned this forgiveness and should be enjoying and celebrating my hard work not on the phone for hours every week trying to talk to someone who can help me.

Company response to consumer: Untimely response