vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-04 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:
I am submitting this formal complaint to report that TransUnion, Experian and Equifax credit bureaus are illegally reporting false and inaccurate information on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Under 15 U.S.C. 1681e ( b ), credit bureaus are also required to maintain maximum possible accuracy of the information they report. The failure to correct or remove inaccurate data after notice and investigation is unlawful. I request immediate intervention to ensure compliance with the FCRA, correction of the false information, and enforcement actions against the responsible entities.

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 2025-02-04 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 am submitting this formal complaint to report that TransUnion, Experian and Equifax credit bureaus are illegally reporting false and inaccurate information on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Under 15 U.S.C. 1681e ( b ), credit bureaus are also required to maintain maximum possible accuracy of the information they report. The failure to correct or remove inaccurate data after notice and investigation is unlawful. I request immediate intervention to ensure compliance with the FCRA, correction of the false information, and enforcement actions against the responsible entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All three credit bureaus have removed and replaced negative items on my credit profile.

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 2025-02-04 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: IN

Complaint narrative:
Tracking Number of XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ XXXX. What Happened : On XX/XX/year>, I submitted a formal dispute to Experian and XXXX regarding inaccurate credit report entries related to fraudulent agreements tied to XXXX XXXX ( Account Number : XXXX ). These agreements were based on the unauthorized reuse of my electronic signature by XXXX XXXX XXXX and accepted by XXXX XXXX without my consent, violating multiple federal laws. 
In response, Experian denied my dispute on XX/XX/year>, despite providing : XXXX audit trails proving unauthorized signature reuse. 
Documentation of fraudulent contract modifications accepted by XXXX XXXX. 
Evidence of my previous disputes with CFPB Reference Numbers : o # XXXX ( XXXX XXXX ) o # XXXX ( Bobs Discount Furniture ) Experian failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). Instead, they requested excessive personal information, including : A copy of my government-issued ID.

Utility bills and proof of addresses for the past two years, which is excessive considering the dispute relates solely to XXXX XXXX fraudulent reporting. 
I provided all necessary documentation, including my identification, but Experian still denied the dispute without properly investigating the fraudulent claims. 
2. Laws Violated by Experian : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) Section 1681i ( a ) : Failure to Conduct a Reasonable Investigation Experian failed to perform a proper reinvestigation of my dispute, ignoring clear evidence of fraud and relying solely on XXXX XXXX verification without independent validation. 
Section 1681e ( b ) : Failure to Maintain Accuracy in Credit Reporting Experian continued to report inaccurate, incomplete, and unverifiable information even after being notified of the fraudulent nature of the XXXX XXXX account. 
Section 1681c-2 : Right to Block Information Resulting from Identity Theft or Fraud Despite providing evidence of unauthorized electronic signatures, Experian refused to block the fraudulent information from my credit report.

Section 1681i ( a ) ( 6 ) ( B ) : Failure to Provide Adequate Explanation for Dispute Denial Experians denial letter lacked a detailed explanation of the reinvestigation process or the basis for rejecting my dispute, violating the FCRAs disclosure requirements.

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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX purchased face cream and soap at a retail XXXX XXXX XXXX XXXX XXXX store for {$430.00}. On XX/XX/XXXX I returned the products via XXXX XXXX in XXXX ID. I had contacted XXXX to dispute charges on XX/XX/XXXX and notified XXXX XXXX via email I was returning the unopened products. At the time of purchase there were no signs posted in the store anywhere that they did not accept returns. This violates Nevada retail law which states that a business must post their return policies and accept returns in the original condition/packaging.On XX/XX/XXXX I received a letter dated XX/XX/XXXX that XXXX denied my dispute and charged my US Bank XXXX XXXX. 
I called US Bank and explained I had been charged for products that I received but sent back unopened/original condition. The advice the agent gave me was to contact merchant and/or legal advice. The reasoning behind this decision was customers are required to provide all personal information and acknowledge all terms and conditions of the transaction This information was not posted in and around the store. I am a victim of a scam and elder abuse two times over. How is a XXXX XXXX XXXX suppose to know store policies if they are not properly posted?

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 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 2025-02-04 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
all of them on my credit report. I dont know who they are and never took anything out with these companies. 
Ive not signed anything with any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was frauded by someone calling with a Wells Fargo phone number. They had my account information and amounts. everything about this seemed legit Wells Fargo. 
Long story short, I lost over {$17000.00} I filed a claim with WF the same day, XXXX I called again the following XXXX XXXX XXXX and XXXX  XXXX. I have yet to recieve any real updates. No claim information is found online either. I keep getting told to give it another 2-3 days. 
{$17000.00} is almost every bit of money I had! And I'm getting no answers. 
It started with a call from " Wells Fargo '' caller ID. The lady identified herself as XXXX from the fraud dept, and that the call was being recorded. I was advised that my saving account information was compromised and that an attempted wire transfer for {$8000.00} took place 3 times in XXXX TX, causing WF to alert the fraud dept. I was asked all the pertanant questions, was I in XXXX, have I recently been, have I done a wire transfer etc. The answer was no to all. I was asked if I shared any of my info with anyone, no. 
She advised me to move all money to savings, thereby leaving XXXX balance in all accounts, so that those account could be closed and reopened with new account numbers. I was then led to the wire transfer area of the online app, givin a routing number for XXXX XXXX, under the name of XXXX XXXX. I was advised to put in the amount of {$17000.00}, this way they could monitor all transactions looking for that amount. I WAS A XXXX! 
After it all ended and I realized what happened, I immediately called WF asking about it, and was promptly told it was fraud and a case was opened. XXXX week later, NO ANSWERS.

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 monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, 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 10:19 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. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-02-04 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I have serious concerns regarding multiple violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I believe Aidvantage has violated provisions relating to the security and confidentiality of my non-public personal information and has failed to provide the necessary opt-out disclosure as required by law. As a student loan borrower, Aidvantage has an ongoing and confirmative obligation to protect my non-public personal information, as outlined by 15 U.S.C. 1681a and 15 U.S.C. 1681b. They have failed to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against Equifax for failing to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed information 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 requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper dispute investigation, rather than issuing automated, unsupported responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used my Bank of America XXXX to send money to a XXXX  XXXX, the XXXX  XXXX promised they could create the correct key for a car that I needed moved. My mother passed this was her former car and I needed it to get more repairs. The key never turned the car on but instead only opened the door, so I asked the company for a refund they refused. Then I asked Bank of America to give back the money but they refused as well. I need the {$280.00} back into my account because I am a XXXX with XXXX kids. Also the pain and suffering I went through was horrible due to the fact that the car as emotional significance because its my mothers car that she left to me, one of her only possessions.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
My sister wired {$880.00} into my SOFI checking account on XX/XX/scrub>XXXX The next day it was restricted. I called customer service they said they needed to ask a couple questions, 1 ) who sent the funds and why. I answered both. The account was unrestricted. Then today, it was restricted again. I called customer service, this time they would not explain why the account was restricted only that the deposit was being investigated. They could not advise what type of investigation, or how long it would take. I need this money for medication and rent. Its a fed wire sent from my sister. There shouldnt be a hold or an issue with it. SOFI will not help or explain anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate account listed on my credit report by WebBank/Fingerhut . This account has been appearing on my credit report since 2014, yet it is neither an open nor a closed account. Its continued presence on my report is misleading and does not accurately reflect my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Since this account does not represent an active or closed line of credit, it should not be reported. I request that this matter be investigated promptly and that WebBank/Fingerhut be required to remove this erroneous listing from my credit report immediately.

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