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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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:
Equifax has failed its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax 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 Equifax inaction violates federal law and my rights as a consumer.

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 — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have contacted American Express several times, including discussions with both customer service and their fraud department, regarding a late payment that occurred in XX/XX/year>. I was hospitalized due to the birth of my son and, as a result, was unable to make the payment on the scheduled date. Prior to this, I had informed the company in advance and was assured that my credit would not be impacted. However, my account currently reflects a late payment in XX/XX/year>, which I kindly request to have removed.

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: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rights.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Can not get into my experian account need to reset password but they only provide old phone number to reset

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 — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have accounts that are over XXXX XXXX XXXX that are still on my report. Discover card is over 10 years. Some minor stuff on there I don't know where it came from what it is I'm having a hard time finding out. My concern is the ones that are over XXXX XXXX XXXX

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 — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I tendered a lawful payment in full amount of {$47.00}, XXXX to Nissan Motor Acceptance Company via certified mail on XX/XX/year>. It was received and return receipt was signed by representative on XX/XX/year>. Since then Nissan Motor Acceptance Company has refused to update my account to paid in full and {$0.00} balance. They have sent me an email correspondence acknowledging the inaccuracy of my account which I have provided. Pursuant to UCC 3-604 -Tender of Payment, Nissan Motor Acceptance Company accepted my payment for refusal is discharge. Nissan Motor Acceptance Company is in violation of FDCPA 's Title 15 1681 Permissible Purposes along with many of federal crimes. I demand my report accurately reflect a {$0.00} balance and paid in full.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company reported on my credit report that I do not recognize that i've never done business with also states amount large sums of money that says I owe them never done. Business with them never signed any documents.Never agreed anything with them always harassing me

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 — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was told I could refinance my house for a lower rate. I was going through a separation and was in school so this was perfect. This dragged on for a yearthe loan modification. I got e action notices from the sheriff on my door. I moved. A week later the bank told me the paper work went through and I was approved. I said I wished I had know. I just moved. They said I was no longer eligible to refinance since I had moved and my house would be foreclosed. I feel so stupid and taken advantage of. I lost the money I invested in the new windows and plumbing and I lost my home and equity. 12years later I am still struggling to enter the housing market. This was extremely shady practice. This occurred in 2013.

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: FL

Complaint narrative:
Upon reviewing my consumer reports, I identified inaccuracies regarding late payments reported on two accounts for which I have consistently maintained timely payments. As Consumer Reporting Agencies are entrusted with ensuring the accuracy of consumer information, it is essential that all reported data reflects the utmost precision. 

The accounts in question are as follows : XXXX XXXX  : Account Number ending in XXXX XXXX XXXXXXXX XXXX XXXX  Account Number ending in XXXX I have never missed a payment on these accounts and request a thorough investigation into these discrepancies. To support your findings, I ask that you provide evidence, such as account statements, verifying the reported lateness of these payments. 

If you are unable to furnish such proof, I respectfully demand that the records for these payments be promptly corrected to reflect their accurate status as on-time. I have consistently fulfilled my payment obligations without delay, and it is critical that my credit report reflects this commitment. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

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 — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I am unable to enter into a lease because XX/XX/scrub> 2022 is showing a " non-rent write off '' and XXXX of 2022  is showing " outstanding balance ''. My rent was XXXX but the total amount written off is showing XXXX which is over 3 months of rent even though the report is reflecting XXXX. BUT I Bought out my lease in XXXX of 2022 and per my lease i had to pay 2 months of rent so i paid XXXX and XXXX and was not liable for XXXX. They also kept my deposit and that wasn't applied to any of the months they are claiming i owe. I filed a dispute with documentation to XXXX and they said it was XXXX, but when i called my old property XXXX they said i have to go through their third party. i was given a fake phone number XXXX and was told i won {$100.00} then i looked up the company name ( XXXX XXXX XXXX ) i was given and the collection agency made me pay {$1.00} to go over my whole credit report, when i pried about if they were the agency of record for my debt to XXXX XXXXXXXX she couldn't say but she did say she was not able to see any money owed or written off for XXXX XXXX, but i had my credit report in front of me and could see it there. I can not get a place to live with this on my credit report and i am not even finding a way to pay it to get it removed and my disputes aren't even being looked at by 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi card misrepresented what would happen when I had to request a new card due to fraud. The service person said that I would have access to all the transactions and information from my previous card number - no problems or issues at all, making it sound very simple. HOWEVER, my only online informaion is from the new card number. My previous card transactions are gone. They said they could send hard copies, but that is NOT what they indicated would happen. HAD I KNOWN THIS BEFORE, I would have exported all the information I needed. Poorly trained customer service people.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report which is fraudulent. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have NEVER opened or used the following account numbers, please remove all information below : Bank 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: FL

Complaint narrative:
am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/year>

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have found multiple accounts listed on my credit report that I have no association with, and I am alarmed by their presence. This is not only an error but a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am entitled to an accurate credit report, and these inaccuracies are impacting my credit. I request an immediate investigation into these discrepancies and expect them to be corrected swiftly. If this matter is not resolved satisfactorily, I will take legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
In XXXX XXXX, noticed e-checks cashed fraudulently from an ex-employee. Reported to XXXX XXXX, XXXX at XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reviewed all the transactions. Total of XXXX fraudulent transactions totaling {$80000.00}. XXXX XXXX. notified. All checks re-cashed shows dates XXXX to XXXX years prior to time of e-check re-cash. We wanted to close the account but the bank advised us to keep the account open while the investigation goes on. Finally had to close the account because the bank kept cashing fraudulent checks. XXXX XXXX. negligent in stopping continued fraud. XXXX XXXX. unable to protect us even after knowing of issue. The account was closed also because it went in the negative. New account set up, had to deposit {$5000.00} into it. We were notified by XXXX XXXX. only a few times since XXXX XXXX by email. No updates of investigation. No charges against ex-employee brought up. Bank refunded sporadic payments into the new account less than {$40000.00} of the {$80000.00} lost to fraud. No explanation of payments or communication as to why there was no more. Payments stopped XX/XX/XXXX. At this point, unsure if there is an investigation still or if there was an investigation made. On XXXX. 
XXXX, XXXX, I went to talk to XXXX XXXX, XXXX of bank. Asked for help on reaching XXXX XXXX. since they don't have a dedicated line for customer to call them. You have to call an XXXX number, speak to operator who takes a message, relays it to fraud dept, and hope for a call back. XXXX said she helped and there's nothing more she can do. Asked XXXX if we could call fraud dept together since she probably has better access to XXXX XXXX than us. XXXX laid a sticky notepad on counter, told me to write name and number on it, told me someone would be in touch. She then walked away from me ending our conversation and further help from bank. Asking for help in getting refunded balance due of our money. If we owed the bank, they would just pull it out of our account, immediately. It's been XXXX  months and we can't even get back our money that the bank gave away to fraud, that they didn't catch protecting us as the customer. Even negligent in stopping continued fraud after being notified of it. Still letting the continued cashing of fraudulent e-checks. Where is the fiduciary duty to the customer? The fraudster has been protected from persecution because of the delay in the investigation. She may even be doing the same thing to another employer. All we wanted was the remainder of our money that was cashed out by fraud ( negligence on the bank and fraud dept. ) and for the ex-employee to be prosecuted for multiple, multiple frauds committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: NC

Complaint narrative:
XX/XX/year> through XX/XX/year> I was basically held XXXX to pay far more than I owed because I was in the middle of selling my house and purchasing a new one and everything was in motion ... my whole house was already in the moving truck. I couldn't close until I paid them what they said. 
NOTE : MY ORIGINAL LOAN WAS WITH ANOTHER BANK. MY LOAN WAS SOLD WITHOUT MY CONSENT MULTIPLE TIMES. 
I was forced to double pay my deferred amount from a loan modification of $ XXXX. It was owed to HUD and not my mortgage company. I had to pay them BOTH the $ XXXX because they insisted it was owed to them. I also requested back up documentation showing how I still owed essentially the same amount of my original loan after making payments for approx 20 years. My original loan amount was $ XXXX. They said my balance was $ XXXX. The $ XXXX plus the $ XXXX deferred comes to $ XXXX ... .how did I only pay off $ XXXX in almost 20 years?? 
My closing lawyer and I both called multiple times and emailed and just got ignored and told that that was what I owed and that's all they had to say.

Company response to consumer: Closed with explanation