vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding the removal of fraudulently accounts with ( XXXX  XXXX account # XXXX {$5700.00} and XXXX XXXX  account # XXXX {$3000.00} ) that are reporting on my credit report stating its been VERIFIED and I want to know why! 

Despite my submission and requesting a METHOD OF VERIFICATION these accounts are continuing to report inaccurately after you claim to have verified it within 24 hours. I have reason to believe that Experian, Equifax, and Transunion failed to conduct a re-investigation which may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. Please explain to me how your agency has " so-called '' verified these accounts? How did you verify it? Who did you talk to in the creditors office, did you send them a copy of my findings along with my FTC report number XXXX, how did you sent it to them, did you fax, mail it, use the same mailing address and/or telephone number listed on the credit report that I have.. what did you do? And furthermore, what steps did the agency take to ensue the creditor actually investigated my dispute rather that just fraudulently tell you that its been verified. The FCRA says that you have to tell me within the required timeframe if I ask. So no more generic response I am asking for SPECIFICS on exactly how your agency actually verified these accounts that erroneously reporting on my credit report. If you can not provide it then shame on you because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable! I am requesting a METHOD OF VERIFICATION. Be aware that I am making a final attempt to have you clear up this matter. XXXX XXXX and XXXX XXXX  represents a very serious error in your reporting as these are fraudulent accounts that I never opened nor gave my consent to. I'm maintaining a careful records of my communication with you and request that the CFPB take action to ensure Experian, Equifax, and Transunion complies with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: TN

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate my disputes regarding the removal of fraudulently accounts with ( XXXX  XXXX account # XXXX {$5700.00} and XXXX XXXX  account # XXXX {$3000.00} ) that are reporting on my credit report stating its been VERIFIED and I want to know why! 

Despite my submission and requesting a METHOD OF VERIFICATION these accounts are continuing to report inaccurately after you claim to have verified it within 24 hours. I have reason to believe that Experian, Equifax, and Transunion failed to conduct a re-investigation which may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( a ) - ( b ), as highlighted in the CFPB 's recent administrative processing ( File No. 2025-CFPB-0002 ) against them for similar violations. Please explain to me how your agency has " so-called '' verified these accounts? How did you verify it? Who did you talk to in the creditors office, did you send them a copy of my findings along with my FTC report number XXXX, how did you sent it to them, did you fax, mail it, use the same mailing address and/or telephone number listed on the credit report that I have.. what did you do? And furthermore, what steps did the agency take to ensue the creditor actually investigated my dispute rather that just fraudulently tell you that its been verified. The FCRA says that you have to tell me within the required timeframe if I ask. So no more generic response I am asking for SPECIFICS on exactly how your agency actually verified these accounts that erroneously reporting on my credit report. If you can not provide it then shame on you because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable! I am requesting a METHOD OF VERIFICATION. Be aware that I am making a final attempt to have you clear up this matter. XXXX XXXX and XXXX XXXX  represents a very serious error in your reporting as these are fraudulent accounts that I never opened nor gave my consent to. I'm maintaining a careful records of my communication with you and request that the CFPB take action to ensure Experian, Equifax, and Transunion complies 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 non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Notice of Dispute Regarding Inaccurate and Unverifiable Information on My Credit Report Dear Consumer Financial Protection Bureau, I am formally submitting this complaint against TransUnion through the CFPB regarding their failure to conduct a proper and thorough investigation into inaccurate and unverifiable information on my credit report. This is my third dispute concerning this matter. Despite my previous two formal requests for an investigation, TransUnion has continued to report erroneous information without properly verifying its accuracy. 

Specifically, I am disputing the following account : **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX Number : ** XXXX TransUnion has failed XXXX comply with its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation into my disputes. The inaccurate and erroneous information contained within this account has negatively impacted my credit profile. As proof, I have attached screenshots of the incorrect data and details regarding the inaccuracies that TransUnion has refused to correct. 

Additionally, TransUnion is illegally re-aging this account by reporting a " charge off '' status every single month. A charged-off account should not continue to be reported with a " charge off '' status on a monthly basis. By doing so, TransUnion is improperly extending the statute of limitations for when the account is scheduled to be removed from my credit report. This illegal practice makes the charged-off account appear newer each month, unfairly damaging my credit. Furthermore, TransUnion is depriving me of the opportunity for the account to be removed as mandated by law when the time period expires. 

I demand that TransUnion immediately delete this account from my credit report, as it contains unverifiable and erroneous information. Should TransUnion fail to take corrective action and remove this account from my report, I will be left with no choice but to pursue legal action to enforce my rights under the FCRA. 

I trust that the CFPB will take my complaint seriously and ensure that TransUnion complies with its legal obligations. Please provide written confirmation of the actions taken to resolve this matter at your earliest convenience. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
Updated CFPB Complaint Against Experian Subject : CFPB Complaint Update Experian FCRA Violations ( Failure to Verify Collection Agencies & Bankruptcy XXXX ) I am submitting a critical update to my existing CFPB complaint against Experian for continued Fair Credit Reporting Act ( FCRA ) violations.

New Violations Identified : 1. Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) Experian continues reporting debts linked to unlicensed collection agencies, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
XXXX XXXX  was not licensed in Illinois before XX/XX/year>, yet Experian still reported and verified its collection account. 
XXXX. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Experian continues to report inaccurate bankruptcy information, even though official XXXX and XXXX records prove the errors. 
These mistakes are negatively impacting my credit profile, leading to financial harm. 
XXXX. Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) I submitted a Method of Verification ( MOV ) request, but Experian failed to provide any documentation or proof. 

Requested Action : I am formally requesting the immediate deletion of the disputed accounts due to : Unverified collection accounts tied to unlicensed debt collectors Incorrect bankruptcy reporting despite XXXX  records proving inaccuracies Experians repeated refusal to provide a valid XXXX  response If Experian fails to act, I will pursue arbitration through XXXX per their consumer agreement. This submission serves as formal notice of intent to arbitrate if the issue is not resolved. 

Supporting Documents Attached : Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States Bankruptcy XXXXXXXX XXXX XXXX XXXX  Reports Confirming Errors Sincerely, XXXX XXXX XXXX Phone : XXXX Email : 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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I received a notice from the county stating that my 2024 property taxes were late. When I called for clarification, I was told the county had the incorrect parcel number. However, when I contacted the tax commissioners office, they confirmed that the parcel number was correct.

When I called Freedom Mortgage to resolve the issue, they were completely unhelpful. They failed to answer my questions, refused to let me speak to a supervisor, and then disconnected the call without any follow-up. When I finally managed to get through again, I was told they wouldnt be able to provide any answers for more than five weeks! This delay is completely unreasonable, and now I cant even file my income taxes until this is resolved.

The lack of customer service and accountability is unacceptable. This situation has caused unnecessary stress and inconvenience, and I expect immediate action to resolve it. Doubtful though.

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 2025-02-19 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: FL

Complaint narrative:
I want this account removed .The amount is incorrect. I was already out of the apartment and I have a 60 day notice and a ledger that states that the rent was paid in full at the end of the lease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
I want this account removed .The amount is incorrect. I was already out of the apartment and I have a 60 day notice and a ledger that states that the rent was paid in full at the end of the lease.

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 2025-02-19 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: FL

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX 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. 

Account Name 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 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 2025-02-19 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: MOHELA
State: VA

Complaint narrative:
In XX/XX/XXXX, I submitted an Income-Driven Repayment ( IDR ) plan request for all of my loans. However, I later discovered that my previous IDR plan was canceled without my knowledge. To address this, I submitted a new IDR application for all of my loans and followed up via email on XX/XX/XXXX, requesting an update on the processing of my new IDR request. Additionally, I specifically requested that ALL of my loans be placed into forbearance while my new IDR application was being processed. 

On XX/XX/XXXX, MOHELA responded, stating that my IDR application was in a pending status due to a federal court injunction affecting the Saving on a Valuable Education ( SAVE ) plan and other IDR plans. However, despite my explicit request, as of XX/XX/XXXX, MOHELA has not placed all of my loans into forbearance, and my account has become 44 days delinquent with a past-due amount of {$1300.00}. MOHELA also informed me that my next payment of {$2000.00} is due on XX/XX/XXXX, and that collection efforts ( calls and letters ) would continue until the account is brought current. 

I am seeking resolution regarding the delay in processing my XXXX request, the failure to inform me of the cancellation of my previous XXXX plan, and XXXX failure to place all of my loans into forbearance despite my request. Additionally, I request that my delinquent status be addressed in light of these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I borrowed {$45000.00} for my daughters XXXX  at the University XXXX XXXX XXXX in XXXX. MOHELA has the loan and is now saying I owe over {$95000.00} plus interest ( acct XXXX XXXX XXXX ). Approximately {$7000.00} was paid pre-pandemic and is missing from my account. My payments are over {$1000.00} per month now instead of the {$350.00} to {$400.00} I should be paying. I paid {$6000.00} in the past few months but am still behind. I am a federal employee and tried to use that to get a reduction since MOHELA will not fix their mistake. That failed too. My daughter, XXXX XXXX was not a borrower since it was a parent loan. She is not a co-signer but it is now on her credit report as of today. I need this loan fixed so I can pay it and fix our credit. I am not looking not to pay anything. I want to pay only what I owe. Plus who knows if any of us will have a job in a few weeks. I am XXXX and can not guarantee I will ever get another job if my agency is gutted. Plus what happens if the government shuts down in XXXX? I am an essential employee and have to work whether I am paid or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I made a dispute to Wells Fargo on XX/XX/XXXX for a transaction in the amount of XXXX for XXXX XXXX Wells Fargo said I made the transaction because I was at the merchant that day and that my card was inserted. I was at the merchant that day and paid {$6.00} for XXXX XXXX cookies and cream. But did not make any other purchases. This account was closed the last statement shows XX/XX/XXXX. I received a letter on XX/XX/XXXX, stating my claim was denied. I called Wells Fargo. All they said was that since I went to the merchant that day and the chip was ready that they are not able to fully dispute the charge and contact the merchant. I have reached out to the merchant with no response due to Wells Fargo not having a timely response and refusal to reopen this case I have to fight with XXXX XXXX for a refund that they probably no longer have records of. The representative talked to me like I should just accept the answer due to me making a purchase on that day at that XXXX XXXX like skimming and other methods aren't a thing.

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 2025-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed this problem on XX/XX/XXXX Account name : BK OF AMER Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$750.00} Account name : XXXX  XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$10.00} Account name : XXXX  Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$520.00} Account name : XXXX XXXX XXXX Account number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$670.00} Hard Inquiries Inquiry name : XXXX XXXX Inquiry date:XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX Inquiry date:XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date:XX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX '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 2025-02-19 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: CA

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 XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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