vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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, Transunion and Equifax, 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, Equifax and Transunion 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, Equifax and Transunion '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 non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
A account was opened without my knowledge in XX/XX/year>. The original amount was XXXX. I have disputed this several times and still not changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It has been up to XXXX  years since the overdraft and now they say I owe them XXXX dollars. Statue of limitations has applied and I still don't know what they are suing me for now. Chase Bank is the original bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
My federal student loans were forgiven in full on XX/XX/XXXX. Upon checking my credit report, the loans were re-added back to my credit report on XX/XX/XXXX. I am not able to speak with anyone at Mohela. I have been placed on a 3 hour hold and when the call finally went through-the line disconnected. I was placed on a 4 hour hold and the call disconnected after an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I set up an account with Square and got my employer to directly deposit my paycheck into my account, and as soon as the money got deposited, square deactivated my account and is holding my money indefinitely that I worked hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-01 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: AL

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Al, ZIP XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] [ EXPERIAN XXXX [ XXXX XXXX XXXX XXXX XXXX Tx XXXX ] [ Acct. XXXX XXXX XXXX XXXX # XXXX Subject : Dispute of Inaccurate Credit Reporting and Improper Investigation Dear [ CFPB ], I am writing to formally dispute inaccurate information that appears on my credit report. Additionally, I am concerned that your investigation into my previous dispute was not conducted properly. 

The following information on my credit report is incorrect : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Error Description : [ inaccuracye.g.balance, account that doesnt belong to me, obtaining my personal info without consumers consent, no known knowledge of the Reporting agency, Fraud. ] I previously submitted a dispute yet I have reason to believe that the investigation was not properly conducted. [ Reasons lack of evidence provided, failure to communicate results, or no change made despite supporting documents or any signed documents with my signature, i also have not given any formal consent nor have i ever heard of said agency it is considered fraud for unknown agency to have my personalinformation without my knowledge. ]. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must conduct a reasonable investigation into disputes and provide verified, accurate information. If the disputed item can not be verified, it must be removed. I request that you re-investigate this matter thoroughly and provide me with documentation verifying the accuracy of the reported information or remove the incorrect entry immediately. 

Sincerely, [ XXXX XXXX ] This letter ensures that you document your dispute and hold the credit bureau accountable. Let me know if you need any modifications!

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 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX. File ID : XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Second Cease and Desist Letter Violation of 15 U.S.C. 1692g To Whom It May Concern, This is mysecondformal notice demanding that youcease and desistall collection activities related to the alleged debt referenced in your communications. You have failed to provide the requireddebt validation letterunder15 U.S.C. 1692gof the Fair Debt Collection Practices Act ( FDCPA ), and your continued attempts to collect this debt without proper validation constitute a violation of my rights under federal law.

Specifically, you have failed to provide : 1.Proper debt validationas required by law.

2.A copy of my signatureon any contractual agreement obligating me to pay this alleged debt.

3.Proof of an insurance claim, if one has been filed in relation to this debt.

4.A complete Chain of Title, proving your legal authority to collect this debt. 
Your failure to provide this legally required information is aninfringement upon my rights, and I consider your continued collection efforts to beharassmentunder federal law. If you persist in contacting me regarding this debt without full validation, I will have no choice but to pursue legal action against you for violations of the FDCPA and any applicable state consumer protection laws. 
This letter serves as afinal demandthat you : 1.Immediately cease all collection effortsuntil full validation of the debt is provided.

2.Cease all communication with me, except to provide proper validation or to confirm the closure of this matter.

Failure to respond within 30 days of receipt will result in small claims legal action against your company.

1.Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

You will be required to appear in a court local to me, since you are clearly doing business in my area. 

Please Note : This notice is an second attempt to correct your records, and any information received from you will be collected as evidence should any further actions be necessary. Under 15 USC 1692 c ( c ) This is a request for information only and is not a statement or waiver of status.

Failure to comply with this demand may result in legal action, including but not limited to filing a lawsuit against you for damages, attorneys fees, and any applicable statutory penalties.

You are hereby notified. Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I mailed a dispute letter on XX/XX/XXXX. They replied the dispute was not sent by me. And then I filed a complaint against Transunion since XXXX XXXX XXXX The first complaint number was filed on XX/XX/XXXX. Complaint number XXXX. On XX/XX/XXXX, they replied they received a letter not sent by me. I received that letter on XX/XX/XXXX. On XX/XX/XXXX I went to my local post office from zip code XXXX and mailed the letters directly again with copies of my drivers license, copy of social security card and one utility bill for identity verification. On XX/XX/XXXX they sent another response saying they received a letter not sent by me. 

As you can see, Transunion is playing the runaround game just to send you proof that they are responding, however, something that I have been disputing since XXXX of XXXX has been pushed around till XX/XX/XXXX with no results of the investigation. Today XX/XX/XXXX, I am filing another complaint. I am also uploading all the letters that they keep sending saying that those letters were not sent by me. The drivers license, social security card and proof of address has been sent three times by mail and once through the CFPB portal. Lets see if now they respond that they need those documents 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 non-monetary relief
Consumer complaint received 2025-04-01 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
THE BANK WISE DECIDE TO CLOSE THE ACCOUNT WITH NO FURTHER NOTICE AND WITHOUT ANY EXPLANATION, HAVE MADE AN APPEAL TO GET THE FUNDS TRANSFERRED TO ANOTHER ACCOUNT, THEY SAID WOULD CONTACT BY EMAIL IN 30 WORKING DAYS, WHICH WAS COMPLETED ON THE XXXX XXXX, AND NO COMMUNICATION BY WISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Im writing to dispute an inquiry on my credit report that I never authorized. I did not give permission to pull my credit, and this inquiry is completely unauthorized.

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 2025-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 non-monetary relief
Consumer complaint received 2025-04-01 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: VA

Complaint narrative:
I filed a dispute on my account, due to the companies problem with investigation. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, and other items. Experian violates my rights as a consumer, as well as feder-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 2025-04-01 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: HI

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct theseinaccuracies.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed

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 2025-04-01 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed

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 2025-04-01 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: AL

Complaint narrative:
I have disputed multiple inaccurate accounts and a fraudulent XXXX  XXXX bankruptcy on my Experian credit report, yet Experian refuses to conduct a proper investigation. Instead, they continue to report the following inaccurate accounts as valid : XXXXXXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( XXXX ) XXXX XXXX Bankruptcy ( fraudulent and does not belong to me ) These accounts do not belong to me, and I have provided supporting documentation proving that they are inaccurate. Despite this, Experian continues to report them without verifying their legitimacy. 

Additionally, XXXX has already removed at least one of these accounts after reviewing the same dispute, confirming the inaccuracy. Experian is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate and correct or delete inaccurate or unverifiable information.

By failing to conduct a reasonable investigation, Experian is damaging my credit profile and preventing me from accessing financial opportunities.

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 2025-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX I was supposed to receive a new BoA credit card in the mail. The card never arrived and around XXXX I got a fraud notification to my phone that there was a suspicious charge of {$4900.00}. My card had been stolen from my mail before I ever received it, activated without my knowledge, and charged the maximum amount available ( {$12000.00} credit limit - {$7000.00} Balance Transfer = {$4900.00} ). I immediately called their fraud department and reported this. They opened up a fraud claim that day. 

The vendor charged was a clothing boutique owned by one woman in my area. I do not know this woman personally, but was able to find her full name and previous arrest record. 

On XX/XX/XXXX I filed a police report with my local police department, as well as a mail theft/Identity Theft claim with the US Postal Inspection Service . That same day I called BoA Fraud and updated my fraud claim with this information ( Case Numbers, date/time, detective name, etc. ) On XX/XX/XXXX the fraud claim through BoA came back denied stating : " We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' If anything was signed, it was a fraudulent signature as I never received, activated or used this card and had never heard of the merchant. 

On XXXX I called and spoke with a BoA rep who said he opened the fraud claim back up for an appeal. I am currently awaiting the resolution.

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 monetary relief
Consumer complaint received 2025-04-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation