vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-01-25 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:
the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions 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 proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Account type credit card XXXX  XXXX, XXXX  & XXXX Account type Charge card XXXX XXXX XXXX Account type line of credit XXXX XXXX Account type Credit card XXXX XXXX XXXX XXXX Account type Credit card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wisconsin Department of Revenue a public organization, took trust funds from a non interest bearing trust account at Wells Fargo it is a violation of 18 usc 657 and according to 31 usc 1321 this account is classified as trust funds and is a violation of 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 explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
XX/XX/year>. {$1300.00} I tried to contact them, but they would not give me any information because I did not give them my Social Security number and verify the address that they had on file because again I am a victim of 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 non-monetary relief
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
XX/XX/year>. {$1300.00} I tried to contact them, but they would not give me any information because I did not give them my Social Security number and verify the address that they had on file because again I am a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
I am probably not complaining against Equifax for failing to properly investigate my dispute regarding an accuracy on my credit report. Despite my submissions Equifax continuously responded within a couple of days advising that the information was correct and accurate what remaining on my credit report without proper investigation. This violates FCRA the fair credit reporting at code, 15 U.S.C., 1681I which mandates a reasonable investigation of disputes. 
Furthermore, Equifax actions may contravene the consumer financial protection act ( CFPA ), 12 U.S.C. 536a1 ( A ) - ( B ), as highlighted in the CFPBs recent administratives proceeding ( File number XXXX ) against them for some violations. I requested the CFPB take action to ensure that Equifax compliance with the federal law improvise consumer with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MN

Complaint narrative:
Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responded within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against Equifax for similar violations XXXX I request that the CFPB take action to ensure both Equifax comply with federal law and provides consumers with the necessary proof of investigation, These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX  - Orginial Creditor : XXXX XXXX  {$62.00} XXXXXXXX XXXX XXXX - Original Creditor : XXXX XXXX  {$950.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX - Original Creditor : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX - Balance {$540.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions 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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : PORTFOLIO RECOVERY A

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 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I have contacted Carrington mortgage and once I enter my information, the automated system states that I will be transferred to a representative the system, transferrd to a totally different company thats affiliated with XXXX XXXX. I calling them again and tried using a different prompt and I spoke with a gentleman name, XXXX in the finance department XXXX stated that he would be transferring me over to the correct department for Assistance and stated he would remain on the line with me. I explained to him what was going on with their phone line when I contacted customer service and I also did it a merge call so that he could hear what was going on and understand exactly the issue. Upon being transferred, my call never was answered ( call was disconnected ) leaving me No other choice but to call again and again the next rep stated that he would also stay on the line with me doing the transfer because he was in a different department and could not see my account information and I receive the same exact treatment after spending three hours trying to get through and never spoke with anyone and no one called or emailed me back. I also verified and confirmed with the representative the phone # of XXXX was the correct number. As of XX/XX/year> the problem was not fixed and no other department was open except the department that I needed to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispted information on my credit report, leaving inaccurate pr unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failinf to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notifiy consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requestin immediate corrective action to remove or amend the dispute accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 profile, Ill be listing the items that I need deleted to assure accurate credit reporting only on my profile as I have been a victim of Identity theft. There are multiple accounts and inquiries I did not apply for. I have reported all of this to the FTC. I would like these items removed from my credit profile as soon as possible. 

Fradulent Accounts : XXXXXXXX XXXX XXXX Fradulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted TransUnion, XXXX XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: VA

Complaint narrative:
I contacted XXXX, XXXX XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Due to a hardship lost my job ( was on state aid ) that happened XX/XX/2024 I lost my job and income. The account was charged off. Due to communication with them on loss of income and was not able to repay it. The account was charged off. 
XXXX  XXXX Account number XXXX Now I never received my 1099 for this debt for the charge off. that needs to be investigated. I need this to file my taxes. 

XXXX sold my account to XXXX XXXXXXXX XXXXXXXX XXXX  XXXX upgrade which is now owned by Midland credit management inc. 
Account number XXXX. Company who purchased the debt. After it was charged off. 

They are threating to sue me and take me to court after it was charged off... They keep calling me and Sending mail about suing me. They are trying to collect on debt that was written off. 

They are also stalking my XXXX and viewing my profile. It shows you who views your profile. I did not start work again until XX/XX/2024. I just got my mortgage out of foreclosure. I do not have any money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
So i went in on XXXX  XXXX  to get my gf some jewelry first time doing this and first time ever signing up for a credit card, this was on XX/XX/year>. I was helped by an older woman who definitely had a hard time hearing. She set up my account under the wrong email and proceeded to sell me {$500.00} worth of merchandise, i was happy and not a care in the world. Well soon after that i moved and also had several issues seeing and registering my account with XXXX cause the email. I have gotten maybe XXXX or XXXX paper statements taht i can prove i have because of moving and such. But back to the main thing i have gotten charged a late payment since the creation of that account every single month cause i could not register my account and set up auto payments or when it was due or anything the company comenity banks is claiming its my fault. When it was there employees who have been tossing me arround payment days very with every company how am i supposed to know when its due when i cant even register an account on top of that i havnt made a dent in the payments cause every time i make a payment it gets countered with a late fee i can prove it with pictures and everything i have evidence they messed up and i have {$250.00} XXXX  left to pay on it and it bull ive doin paid it off by now and these {$30.00} to {$40.00} XXXX  late payments every single month is wrong i work hard i pay my bills my debts on Time this is wrong and i need help to get it fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

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 2025-01-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists All three credit bureaus are inaccurately reporting false information on my credit report, which is negatively impacting my life and significantly affecting my creditworthiness.

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