vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay.

If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-26 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: PA

Complaint narrative:
While reviewing my credit report today, I was shocked to discover accounts that do not belong to me. This was unexpected since I routinely monitor my report. I initially thought it might be a technical error and refreshed my browser, but the incorrect accounts remained. Therefore, I am asking for a detailed review of the documents I have submitted to ensure this issue is resolved once and for all.

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 2025-02-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4500.00} XXXX XXXX XXXX XXXX  -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-02-26 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: PA

Complaint narrative:
I plead with CFPB to assist me in this matter involving XXXX XXXX XXXX XXXX that is reporting late payments regarding the months : XX/XX/year> - 60 Days, XX/XX/year> XXXX, and XX/XX/year> - 120 Days. 
Please modify all late payments to Paid as Agreed Never Late. This account is reporting as a closed account and can be located on my Equifax, XXXX, XXXX credit reports. 

First, all XXXX payments are inaccurate because your financial institution refused to accept my payments and the representatives told me on the phone that they could not explain it to me.I see now this closed account is reporting NEGATIVE information ( 3 Late Payments ).

Next these late payments should be removed due to your financial institution NEVER sent me any notice at all when you placed the 3 late payments in violation of the laws I am listing below.

FCRA 623.a.7.

( 7 ) Negative Information XXXX XXXX XXXX XXXX XXXX  ) If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information in writing to the customer.

( Bi ) In general, The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency descibed in section 603 ( p ).

Again, modify each alleged late payment to Paid As Agreed, Never Late or I will be forced to attain a litigation attorney.

Do not confuse the notice regarding FCRA 623 ( a ) ( 7 ) /FCRA 603 ( p ) with the notice sent by financial institutions regarding the notice pertaining to The Truth and Lending Act 127-A. These are 2 different notices.

I speak of the notice you must send when you identify negative information ( Late Payments ) after the alledged late payments have actually occured not before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
Dear Credit Bureaus, I am writing to formally dispute the inaccurate reporting of late payments on my account with XXXX XXXX XXXX XXXX, as reflected in my credit report. My account number is XXXX. According to my records, and as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Extension Uniformity Act ( FCEUA ), I am entitled to ensure that only accurate and verifiable information is reported to the credit bureaus. I did not receive statements from XXXX XXXXXXXX XXXX XXXX  per FC

RA 15 U.S. Code 1666b. Late payments are considered transaction history, and transaction history is not permitted to be included within consumer reports per the FCRA. The disputed late payment ( s ) appear to have been reported inaccurately, and I believe this may be due to an error on your part. I respectfully request a thorough investigation into the following : Late Payment Date ( s ) : XXXX XXXX 30 days late, XXXX XXXX 60 days late, XXXX XXXX 30 days late, and XXXX XXXX 60 days late. Explanation : Per 15 U.S. Code 1666b a statement was not mailed to me the consumer 21 days before payment was du
e to settle account balance. I have corresponded with XXXX XXXX XXXX XXXX about this matter multiple times and the errors have not been fix and or removed from my consumer report. 

The FCRA requires that inaccurate or incomplete information be corrected or removed from a consumers credit report within 30 days of receiving a dispute. Additionally, the FCEUA provides that you must fully investigate and verify the accuracy of any claim or report related to credit, and I request that you provide me with the findings of your investigation.

Please conduct a full review of my account and confirm that the late payment ( s ) were reported correctly. If you find that the late payments were indeed reported in error, I request that you promptly update the records with all credit reporting agencies to reflect the accurate status of my account.

I also request that you send me written confirmation of your findings and any action taken to rectify this matter. If you require any additional information or documentation from my side, please inform me at your earliest convenience.

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified by the FCRA and FCEUA. If this issue is not resolved in a timely and satisfactory manner, I may be forced to pursue further legal action.

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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I was going over my statement from XXXX XXXX. There were fees charged to me almost every month. XXXX date of XX/XX/XXXX. XX/XX/XXXX legal fees, {$110.00}. XX/XX/XXXX legal fees {$150.00}. XX/XX/XXXX legal fees {$500.00}. XX/XX/XXXX legal fees {$500.00}. XX/XX/XXXX legal fees {$380.00}. XX/XX/XXXX legal fees {$50.00}. XX/XX/XXXX legal fees {$50.00}. XX/XX/XXXX legal fees {$1600.00}. XX/XX/XXXX legal fees {$2000.00}. No action was taken by XXXX XXXX. Multiple phone calls to the company were dismissed by the representative. No action was taken by XXXX XXXX to explain and itemize the legal fees. I was in XXXX XXXX bankruptcy during this time and under XXXX Bankruptcy protection. The company did not get permission from a judge to charge those fees. They were in violation of XXXX Bankruptcy laws. XXXX XXXX in XXXX of XXXX transferred my mortgage to XXXX Mortgage XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, and this time, I was shocked to see unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but it remained. This situation is extremely frustrating, and I demand that the documents I provided be reviewed carefully so I no longer have to deal with this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Case # XXXX. I purchased a product from a merchant by the name of XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX indicated it would take 8 to 10 weeks to ship the product to me. I waited for 8 weeks and then decided to email XXXX XXXX XXXX to inquire about the status of shipment. I was provided another time frame which was longer. After the time frame I was provided, I sent another email inquiry to the merchant for the status of shipment and was pretty much provided an " I don't know response and offered me my full refund. On XXXX XXXX, I requested the refund via email and was told it would take XXXX business days to receive my refund. Did not receive my refund by 10 days nor by the end of XXXX. I immediately called Barclays XXXX XXXX Credit Card Dispute Dept ) around XX/XX/XXXX to open a dispute. I received a letter from the Dispute Dept. indicating they never received documentation from me in order to investigate my dispute. Well, I was never told to submit anything. So I called the Dispute Dept again after XXXX XXXX and was told to fax the proof of docs from XXXX XXXX XXXX  indicating they would send me my full refund. I faxed them the entire email exchange between XXXX XXXX XXXX and I, for the Dispute Dept to say what I provided was insufficient. So I called the Dispute Dept mid/late XXXX to reopen the dispute again, for them to tell me to send just the imperative portion of the the email and circle the section of the email where XXXX XXXX XXXX indicates they will send me my full refund and the amount and fax again. I did just that for them to send me a letter I did not understand. Called the Dispute Dept as the third time around, do not remember their reason for why the resolution was in the merchants favor but I was livid and still tried to keep my composure. Needless to say, I reopened the case again in XXXX for the Dispute Dept to send me a letter in XXXX XXXX, instructing me to settle with the merchant who is no longer in business. Please help me. Thank you. Please note I selected just any option in the previous section that indicated " Which Best Describes Your Problem ''. None of those options were a best fit for my problem/issue so please disregard the option I selected. Thanks again.

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 2025-02-26 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Subject : Complaint Regarding Data Breach and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a data breach that has negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus and affected financial institutions, the inaccuracies remain on my credit report, causing harm to my credit score and financial well-being.

Despite my good faith efforts to correct these errors, they have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and the failure to remove or correct these errors is a violation of my consumer rights.

Requested Resolution : I respectfully request the CFPBs assistance in ensuring that : The inaccurate and fraudulent items are removed from my credit report.

The credit bureaus and affected financial institutions conduct a thorough investigation and provide documentation of their findings.

Any additional steps are taken to prevent further harm to my financial standing.

I have attached copies of my credit report, dispute letters, and any relevant correspondence related to this matter for your review. I appreciate your prompt attention to this issue and look forward to your assistance in resolving this matter.

Please feel free to contact me at [ XXXX for any further information. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Regarding Data Breach and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally file a complaint regarding a data breach that has negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus and affected financial institutions, the inaccuracies remain on my credit report, causing harm to my credit score and financial well-being. 



Despite my good faith efforts to correct these errors, they have not been properly addressed. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report, and the failure to remove or correct these errors is a violation of my consumer rights. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring that : The inaccurate and fraudulent items are removed from my credit report. 

The credit bureaus and affected financial institutions conduct a thorough investigation and provide documentation of their findings. 

Any additional steps are taken to prevent further harm to my financial standing. 

I have attached copies of my credit report, dispute letters, and any relevant correspondence related to this matter for your review. I appreciate your prompt attention to this issue and look forward to your assistance in resolving this matter. 

Please feel free to contact me at [ XXXX for any further information. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This company was included in my XXXX  settlement and decided to put the account back on my credit report as debt owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-26 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: NJ

Complaint narrative:
I am submitting this complaint regarding Experian 's failure to conduct a reasonable investigation into fraudulent accounts being credit on my credit file. 

On XX/XX/XXXX, I submitted a dispute to Experian regarding a fraudulent account appearing on my credit report. Experian did not properly investigate or remove the disputed account. Experian failed to provide any information related to their investigation. 

On XX/XX/XXXX, I submitted another dispute for two additional fraudulent accounts appearing on my credit report. However, within approximately 13 hours, Experian stated that my dispute was complete and no changes would be made to my credit file. Given the complexity of verifying fraudulent accounts, it is unreasonable for Experian to have conducted a thorough investigation in such a short time. 

It is important to note that on both occasions I provided Experian with a list of the fraudulent accounts included in my dispute along with supporting documentation including, Identity Theft affidavit reports filed with the FTC, a copy of my driver 's license, and proof of residency. 

Experian 's failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. Section 1681i ), which requires credit reporting agencies to investigate disputes and correct inaccurate information. Their actions are causing ongoing harm to my credit profile, and I am seeking CFPB 's investigation to ensure compliance with federal 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 explanation
Consumer complaint received 2025-02-26 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:
I have identified a debt reported by XXXX XXXX that I believe is the result of identity theft. Below are the details : Company Name : XXXX XXXX  Account ID : XXXX Original Balance : {$270.00} Last Paid Creditor : XX/XX/year> Account Status : Reported as due, but this debt does not belong to me. 
I did not authorize or enter into any agreement with XXXX XXXX for leasing or purchasing any equipment. The reported debt is inaccurate and does not reflect any transactions or responsibilities I have had with this company. The account has been reported under my name, but I did not receive any equipment nor did I make any payments related to this debt. 

I have already reported this matter to the relevant authorities, as I suspect identity theft, and I have disputed the debt with the company. However, the debt continues to be reported inaccurately on my credit file. I request a full accounting of this debt, including any supporting documentation, and an investigation into the validity of this account.

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