vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
In the past week I have been contacted well over a dozen times by portfolio recovery they have also sent text messages to my phone. It has been typically 3-4 calls a day for the past week. I paid off the debt they were collecting on but now they are calling once again. I have even received mail stating the account was at XXXX dollars owed from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
So as you are aware, the late payment occurred due to the coronavirus outbreak emergency declaration. My city/state had a shelter in place at the time of the missed payment. XXXX XXXX XXXX XXXX XXXX XXXX and was unable to call you due to my XXXX XXXX which kept me from functioning. I understand all I had to do was call to get approved for a deferment, but in addition to XXXX XXXX XXXX, I didnt even know that I had to call before I was marked late. Due to this, I am requesting the late payment be removed from my credit report. Also, Im not calling to get my late payment fee refunded ; Im specifically interested in getting the late payment removed from my credit report. First Investor Financing refuses to remove late payment from credit report due the pandemic period

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 2025-04-29 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  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. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-29 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: CA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

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 2025-04-29 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report ( Report Number : XXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i, and to demand immediate correction. My dispute mirrors systemic issues outlined in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian ( filed in 2023 ), where the CFPB alleged Experian failed to properly investigate consumer disputes, used flawed automated systems, and retained demonstrably inaccurate information. Inaccurate Items Under Dispute : Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect balance/payment history/status/ownership Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect balance/payment history/status/ownershipAccount Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect balance/payment history/status/ownership Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect balance/payment history/status/ownership Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : balance/payment history/status/ownership Account Name/Creditor : XXXX XXXX XXXX Account Number : XXXX Error : Incorrect balance/payment history/status/ownership Legal Basis for Dispute : As highlighted in the XXXX lawsuit, Experians failure to conduct reasonable investigations and reliance on automated systems to dismiss disputes without proper review violates the FCRA. Despite my prior disputes dated [ Insert dates of prior disputes ], Experian has failed to correct these errors, which directly harms my creditworthiness and violates my rights under federal law. Immediately remove all inaccuracies listed above and provide me with an updated credit report. Disclose the method of investigation used to verify the disputed items, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Confirm in writing that the errors have been resolved and will not reappear on my report.

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 2025-04-29 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: AZ

Complaint narrative:
Similarly, Experian is reporting XXXX unverified charge-offs that are inaccurate : XXXX XXXX XXXX ( Account # XXXX, Balance : {$3500.00} ) and XXXX  XXXX ( Account # XXXX, Balance : {$53.00} ). These charge-offs have been disputed multiple times with Experian, but they have not provided any verifiable proof or documentation to substantiate the claims made by the creditors. Given the circumstances, it is highly likely that these errors are the result of a data breach that has compromised my personal information. Experian has failed in its duty under the Fair Credit Reporting Act ( XXXX  ) to ensure that only accurate and verified information is reported to consumers and has failed to act on the disputes I have submitted. This is a blatant violation of the law, specifically XXXX USC XXXX, which requires consumer reporting agencies to investigate and remove any unverifiable information from consumer credit reports.

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 2025-04-29 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-29 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was lured by scammers to participate in XXXX investment who asked me to pay for a loan they gave me to invest. I asked them to take repayment from the profits but they claimed it was not possible because the trading platform was not considered a means of repayment, so they asked me for crypto from another digital wallet or my bank account. I wired from my Wells Fargo account the total " owed '', and continued investing. It is the case that I can not take the earned money out of the trading platform, and I was a bit late to realize I had been scammed. I asked my bank for a wire recall, they said the wire transaction had been tagged as possible fraud but NO ONE told me so when they called me to verify my information ( had they said so I would have gotten my wake up call and cancelled the transaction ). Wells Fargo responded last week in a simple letter that I authorized the wire transfer and the recipient bank is not returning my funds so Wells Fargo closed my case. How come my bank does not protect me as their customer in a case that I have filed as scam, even filed a complaint with the FBI? Is Wells Fargo really protecting the interest of its customers or do they just wash their hands and do no real investigation to serve its customers?

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 2025-04-29 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: GA

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 2025-04-29 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: FL

Complaint narrative:
I Recently, I conducted an investigation of my credit report and discovered several inaccurate items being reported. 
Under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I have the right to dispute information I believe is incorrect.

I contacted Credit Bureau Name, e.g., Experian, TransUnion, or XXXX XXXX and submitted a dispute regarding these items.

As of today, the inaccurate information has not been corrected, or they have not responded.

I request that the inaccurate information be fully investigated and corrected in compliance with the Fair Credit Reporting Act. and Please have them remove those inquiries on my credit report. XXXXXXXX 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 2025-04-29 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have contacted the credit Bureau XXXX XXXX to help me resolve a payment issue that happened during XXXX while everyone was secured. Unfortunately, per the Government, a secure in place was issued. I am a real estate agent and could not work for 2 months, thus I missed XXXX payments. I missed XXXX in XXXX and XXXX in XXXX of 2020 on my XXXX Card. This has affected my credit. The card was paid on time and never had a late payment. I have requested a change on my credit report, and they refused to change it. I called them in 2020 and notified them. I was told it would not negatively affect my credit, and IT IS. 
Original creditor XXXX XXXX XXXX XXXX  XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX P.O. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I have been working for the past XXXX years to submit the verification of employment needed for my time period with XXXX XXXX XXXX from XXXX count as eligible towards XXXX. XXXX XXXX XXXX was bought out by XXXX XXXX and I am unable to obtain a signature. Ascension directed me to a third party employment verification site to verify appointment. This was not accepted either. I no longer have the XXXX 's from XXXX for XXXX and XXXX. I do have income tax transcripts from XXXX, XXXX, and XXXX, the XXXX from XXXX and the income verification report form the XXXX party site. I have submitted this all to the fed loan site ( my student aid ) as well as MOHELA. The only response I have received is that the information provided was not sufficient. I have been unable to get an answer on what information needs to be submitted since I am unable to obtain the employer verification signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I AM SEEKING THE IMPLEMENTATION OF MY RIGHTS AS OUTLAW AND FCRA SECTION 605B ( 15U.S.C 1681c -2 ). AS SOMEONE WHO HAS BEEN AFFECTED BY IDENTITY, THEFT, AND XXXX XXXXXXXX BREACH. I HAVE THE RIGHT TO REQUEST THAT ANY FRAUDULENT INFORMATION BE REMOVED FROM MY CREDIT REPORT THIS LAW MANDATES THAT THE CREDIT REPORTING AGENCIES PROMPTLY ELIMINATE ANY INFORMATION THAT ORIGINATED FROM IDENTITY THEFTONCE THEY RECEIVE APPROPRIATE NOTIFICATION, PLEASE DELETE WITHIN FOUR BUSINESS DAYS. THIS HAS CAUSED ME TO BE SO SAD AND DEPRESSED AS THIS IS TAKEN A TOLL ON MY MENTALHEALTH I STRONGLY ASKED YOU TO PROMPTLY TAKE THE PROPER STEPS TO ENSURE THAT THESE PROTECTIONS ARE FULLY ENFORCED NONCOMPLIANCE WITH THESE PROVISIONS, UNDERMINE THE INTEGRITY OF THE CREDIT REPORTING SYSTEM AND EXACERBATE THE HARM INFLICTED ON VICTIMS LIKE MYSELF I LOOK FOWARD TO THE ASSISTANCE.

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 2025-04-29 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: TX

Complaint narrative:
I did not authorize the listed hard inquiries. I never applied for credit with these companies. These inquiries should be removed as they were made without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I request that these duplicate collection accounts not be reported to my account. Report only XXXX account. 

Reporting XXXX collections instead of XXXX is damaging to my credit report XXXXXXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX ; Amount - {$78.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$78.00} ; Individual Account XXXX Account XXXX - * XXXX ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX XXXX ; Amount - {$78.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$78.00} ; Individual Account XXXX Account XXXX XXXX  XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX As of XX/XX/XXXX I updated my address with the bureau to my current address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Theyve reported it as a previous address. And an old address ( XXXX ) as my current address. I lived the XXXX  years ago so I know that was intentional. It looks to have been altered as the word ADDRESS is misspelled on my credit report : Name On File : XXXX XXXX XXXX Social Security XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Current Adaress< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Reported : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX I want all of this information removed immediately. They are reporting duplicate collections and not reporting my current information, tampering with my information.

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 2025-04-29 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation