vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to Experian regarding multiple inaccurate and unverifiable items on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite providing supporting documentation, Experian failed to conduct a reasonable investigation and continues to report the following derogatory accounts with inaccurate and incomplete information, significantly harming my creditworthiness : 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 XXXX XXXX XXXX XXXXwhich is reported with incomplete and inaccurate information. I contacted the bankruptcy court, which confirmed they do not provide verification of bankruptcy details to credit bureaus. This raises serious concerns about how Experian is validating this record. Furthermore, my credit report contains incorrect personal information ( e.g., [ specify if known, e.g., wrong address, misspelled name ] ), despite my submission of identity verification documents. 
On XX/XX/year>, I mailed another dispute letter to Experian with additional evidence, reiterating these concerns. However, Experian has failed to : Conduct a reasonable investigation within 30 days ( FCRA 1681i ( a ) ( 1 ) ).

Delete or correct unverifiable information, such as the bankruptcy record and account errors ( FCRA 1681i ( a ) ( 5 ) ).

Ensure the maximum possible accuracy of my credit report ( FCRA 1681e ( b ) ).

Update incorrect personal information despite verified documentation.

These failures mirror allegations in the Consumer Financial Protection Bureaus lawsuit against Experian, filed XX/XX/year>, in a U.S. District Court in California, which accuses Experian of conducting sham investigations by using faulty intake procedures, failing to share consumer dispute details with furnishers, and uncritically accepting furnishers responses, in violation of the FCRA and the Consumer Financial Protection Act ( CFPA ). My experience suggests Experians systemic issues persist, as they have not properly investigated my disputes, causing significant financial and emotional distress by limiting my access to credit, increasing borrowing costs, and hindering 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 2025-04-12 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$670.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
What happened : On XX/XX/XXXX, my special needs son attempted to download XXXX XXXX from XXXX XXXX despite being told not to. He made an unauthorized charge of {$3.00} through XXXX XXXX, which was linked to my XXXX account. 
I did not authorize this payment, nor did I approve my XXXX being linked to XXXX XXXX. The only payment method I had linked was my debit card, and I never consented to XXXX XXXX gaining access to my XXXX. Even more concerning, my XXXX account was locked, but XXXX XXXX somehow bypassed this lock and processed the transaction anyway. 

I reached out to XXXX XXXX 's customer service, where I was met with rude and dismissive responses from a representative named XXXX. He claimed that he escalated the issue to another team, but they still refused to help me and denied my refund request. Instead of offering a professional solution, XXXX continuously told me how sorry he was that I felt upset, which only added to my frustration. His behavior was disrespectful, and it felt like they were brushing off the issue because of the small amount of money involved. This is not the first time I've dealt with a XXXX XXXX representative who was rude and unhelpful. It seems they believe that because the charge is small, the average person will just sit back and accept it. This is unacceptable treatment, especially for unauthorized purchases. 

I have taken screenshots of the entire conversation as evidence of their poor customer service. To make matters worse, I have no idea how my XXXX was linked to XXXX XXXX, and I did not authorize the charge. 

I request a refund of the {$3.00} unauthorized charge, as well as {$200.00} in compensation for the distress caused by the rude behavior of XXXX XXXX 's customer service. I also ask for an explanation as to how my XXXX account was linked to XXXX XXXX without my permission. 

If this issue is not resolved promptly, I am strongly considering pursuing this matter through small claims court. 

XXXX username : $ 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX MORTGAGE XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at FIRST HERITAGE on XX/XX/XXXX with a balance of {$1700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about Monday XX/XX/year>. I began to get multiple harassing calls from the Wells Fargo Preservation Department which consisted of constant calls with hanging up the phone every time I answers the phone. And on this past Wednesday when I did call back a customer service representative to whom is not even assigned to my case had vindictively mixed my file up with someone elses by the name of XXXX despite my point of contact person XXXX XXXX having everything squared away. However since XXXX XXXX XXXX from the Pa Mortgage Assistance Program has not heard anything from Wells Fargo in relation to them working together concerning the {$50000.00} Grant towards the mortgage. In which Wells Fargo continues to beat around the bush concerning this matter out of evil spite

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 2025-04-12 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was told by HSBC 'S customer service department that they do not have a phone number to reach their title support department for vehicles. They directed me to send an email to XXXX to reach that department. 

I sent the first email to HSBC on XX/XX/XXXX. Two days later on XX/XX/XXXX, I contacted customer service with another question, and I was told of the pieces of information that should have been included in my original email to them requesting the title. XX/XX/XXXX, I emailed them again, and uploaded all of the supporting documentation that I was told should be included in the email ( a copy of both the current title and registration along with a screen shot of a 2010 online payment as additional supporting documentation ). 

As of the date of this letter, XX/XX/XXXX, it is now one month later and I have not received a response to either my XX/XX/XXXX or XX/XX/XXXX email. I need to sell this car, but can not do so without the title. 

Attached is the supporting documentation that I refer to above, that was included in my XX/XX/XXXX email to HSBC. Please note, XXXX is reflected as the entity to which the screenshot of the 2010 payment was made. However, HSBC holds the titles as their auto loan dept. was sold to XXXX, as per XXXXXXXX XXXX 
I appreciate any assistance you can provide in getting HSBC to respond to my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Subject : Formal Demand for Deletion of Credit File Due to Compromised Identity To Whom It May Concern : This is a formal demand to delete and permanently expunge my entire credit file from your system due to the compromise and exposure of my personal identifying information on the dark web. My identity is now severely vulnerable and at ongoing risk for abuse and fraudulent use.

You are hereby notified that I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and any applicable consumer protection laws. I am demanding the complete deletion of my credit file from your records. I am not providing identification documents or filing reports with third-party agencies the exposure of my data is a known and escalating national crisis, and I will not subject myself to further risk by sharing additional personal data.

This demand is non-negotiable. Your agency can not guarantee the safety or accuracy of data associated with an identity that has been compromised. Continuing to maintain this file exposes me to further harm and violates the spirit and intent of federal consumer protection statutes.

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 2025-04-12 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
When reviewing my credit report, I discovered late payments on my Ally Financial loan, this was a car loan that I had in the past. I traded the vehicle in and the loan was paid off by the car dealership of the new auto. The payments were reported as late and have negatively affected my credit. The account was opened in XX/XX/XXXX and closed XX/XX/XXXX. In that period I was never late on a payment until the new auto was purchased and I was informed to not pay Ally. The account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-12 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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