vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding your reporting of an unverifiable XXXX XXXX account on my credit report. This account is missing an account number and has not been verified. When I contacted XXXX XXXX directly, they confirmed that they could not verify any account under my name, especially without an account number. 

Over 60 days ago, I sent a dispute letter requesting the removal of this account due to its invalid information. Despite this, you failed to respond or take corrective action. I have attached a copy of my dispute letter, which is both date- and time-stamped, as evidence of my initial request. Your failure to investigate and correct this inaccuracy violates the Fair Credit Reporting Act ( FCRA ) and demonstrates a lack of reasonable procedures to ensure maximum possible accuracy in consumer reports. 

Additionally, the information reported for this account contains discrepancies in Metro 2 data fields between Experian and XXXX, further proving its inaccuracy. XXXX has already deleted this erroneous account, reinforcing that this information should not be reported. 

Violations of Federal Law : Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) {$1000.00} False and Misleading Reporting ( 15 U.S.C. 1692e ) {$1000.00} Failure to Promptly Delete Inaccurate or Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ( A ) ) {$1000.00} Unauthorized Use of Consumer Information ( 15 U.S.C. 1681b ( e ) ( 6 ) ) {$1000.00} Total Amount Due for Violations : {$4000.00} This is a clear violation of federal consumer protection laws. Your company has no legal standing to continue reporting this erroneous account, and numerous case law precedents confirm that failure to maintain reasonable procedures is grounds for a lawsuit in favor of the consumer. Should this matter remain unresolved, I am fully prepared to pursue legal action against your company for willful noncompliance under 15 U.S.C. 1681n et seq.

I expect an immediate resolution to this matter and look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Someone opened an account XX/XX/year> under my banking portal in my name, transferring a total of XXXX from our checking account to a chase secure banking account of which I did not open. As we watched the money being transferred in XXXX different transactions, XXXX telephone and XXXX internal transfer, the bank reps transferred me to XXXX different departments before freezing my account, taking nearly XXXX minutes. We filed an FBI report, a local police report, and a federal trade commission report. We have been meeting with our local banker XXXXXXXX XXXX XXXX having him call with us present because we get transferred so many times and get a different answer each time. We come to find they filed XXXX reports XXXX identity theft with XXXX of the transactions ( XXXX and XXXX ) andXXXX fraud claim ( XXXX ) which doesnt make sense. The XXXX identity theft claims were approved. The fraud claim was not? It was re-opened under an identity theft claim as ALL THREE should have been, and denied again. XXXX, our banker had the fraud team re-open it due to the inconsistencies of their report and vague denial. Our banker identified that the account was open in a totally different state, where the branch was, and the banker who assisted in opening the fraudulent account. I have not been called, emailed, or had any communication from the fraud team at all. Currently, we are out XXXX despite all the transfers happening around the same time, withdrawing out of our checking and into the fraudulent account and then emptied to XXXX. Yet no fraud was identified regarding the XXXX but the XXXX was approved? I have to mention that every time we asked about the XXXX, it was brushed over. Every single time. We are on day XXXX now of this incident, waiting within their requested time frame to have a thorough investigation. The only reason we know that we were denied twice was because our banker who spent XXXX hours this day also being transferred from XXXX person to another before filing an expedited complaint. We are now waiting again and hoping for good news.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-02-11 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: FL

Complaint narrative:
XXXX and XX/XX/year> I have disputed FDCPA violations that XXXX XXXX  has reported on my consumer report. The violations are 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] 15USC 1692 ( g ) b. I have requested XXXX to cease and desist all communications and to correct inaccurate reporting. XXXX XXXX  has stated Please be advised that we can not effect a change to how any other company may have listed the above account on your credit profile. It seems like XXXX XXXX  is stating that they have no part in reporting of this inaccurate account. I have attached their response to this compliant.

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 2025-02-11 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: MD

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

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 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 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX inquiry popped up on my Transunion report XX/XX/year> and I never authorized this company. I called them and ask if they why did they use my info and I never got no good reason because they kept saying they dont have me in there system and they couldnt find nothing on my information in there company.

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 2025-02-11 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: TX

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to update and correct my personal information as required by the Fair Credit Reporting Act ( FCRA ). 

Despite my multiple requests, these credit bureaus continue to report inaccurate addresses and employment history, which I never provided or no longer reside at. This misinformation is affecting my ability to secure credit and causes unnecessary confusion when lenders attempt to verify my identity. 

Violations of the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681b ( a ) Credit reporting agencies are only allowed to report information with a permissible purpose. These outdated and inaccurate addresses do not serve a permissible purpose and must be removed. 
15 USC 1681c ( a ) ( 5 ) Obsolete personal information should not remain on my credit report. 
15 USC 1681i ( a ) ( 1 ) ( A ) Credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. My previous disputes have either been ignored or not properly investigated. 
15 USC 1681e ( b ) Failure to maintain maximum possible accuracy in my credit file. 
Requested Resolution : I formally request the immediate deletion of all outdated and incorrect personal information from my credit report. The only correct personal information that should be reported is : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Any other addresses, names ( including " XXXX XXXX XXXX '' ), or employment history listed on my credit report must be removed immediately as they are inaccurate and outdated. 

I have attached supporting documentation, including a copy of my government-issued ID and proof of my current address. I request that the CFPB ensures compliance with the FCRA and holds the credit bureaus accountable for failing to maintain accurate consumer records. 

Thank you for your prompt attention to this matter.

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 2025-02-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and there is a credit card account and several inquiries that dnt belong to me and I didnt give authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am a victim of identity theft and there is a credit card account and several inquiries that dnt belong to me and I didnt give authorization

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 2025-02-11 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: FL

Complaint narrative:
I am filing a formal complaint against Equifax for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Equifax, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this represents a serious violation of consumer rights, privacy laws, and financial regulations, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. 

Details of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as stored and managed by Equifax, was accessed or shared without my knowledge or consent. 
Potential Violations of Federal Laws : If Equifax shared my personal financial data with unauthorized partiesincluding those affiliated with XXXX XXXX and DOGEthis would constitute a breach of multiple consumer protection laws, including : FCRA ( which governs how credit bureaus handle consumer information ) GLBA ( which requires financial institutions to protect consumer privacy ) Privacy Act of 1974 ( if my information was improperly accessed by government-affiliated entities ) Failure to Protect Consumer Information : As a credit reporting agency, Equifax has a legal obligation to secure consumer data and prevent unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-11 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:
The CFPB has filed a lawsuit against this company.I filed a dispute with Experian. They alleged the company of excepting reliable information. Failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove or correct any information Im requesting this derogatory remark be removed or corrected immediately as it is affecting my chances of getting a ( car, house, etc ) .Experian violated my rights as a consumer as well as federal laws.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX  failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. 

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items from [ EDFINANCIAL SERVICES ]. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents can be provided to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: IN

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of CKS Prime for what they are stating are financial accounts. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the accounts. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
I am a student loan borrower who is serviced through MOHELA. I have been on the SAVE plan since it's introduction. I am currently in the SAVE forbearance due to litigation with the SAVE program. I have made no changes to my status, only filed my income recertification in XXXX of XXXX, while still applying to the SAVE program that I had already been on. I got word on XX/XX/XXXX that my autopay was set to resume on XX/XX/XXXX ( less than 30 day notice ). I got no notification of why this was happening, or if I was actually brought out of forbearance. According to everything online, SAVE litigation is ongoing and I have XXXX obligation to restart payments if I don't want to/did not request to change plans. I am working toward PSLF and going into repayment will not count towards my PSLF forgiveness, and as such, I do NOT want to be brought back into repayment. I did not ask for this, I did not file a new application for a new IDR plan. I have no idea why this is happening. I am writing this after having been on hold with MOHELA for almost 9 hours for the second day in a row with no resolution. The one time I got ahold of a representative, I was only told that it does apear that I am going back into repayment, but no one can tell me why or prevent it until I talk to an " advanced representative '' who I can not get ahold of. I removed my bank account from my MOHELA account and will dispute any charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation