vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I reached out to the Bureaus about the mistakes and strange entries on my credit report, but its been over 30 days and I still havent received a response. It feels like my concerns are being ignored, and Im starting to feel exploited. According to Section 611 ( a ), if these problems arent looked into within 30 days, they should be cleared from my credit report right away. I might have to consider legal action because this whole situation is really stressing me out.

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 2025-02-14 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:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {XXXX XXXX  in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
This account is showing as a profit and loss write off and no 1099 was provided to me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Professional Debt Me Account # XXXX date opened XX/XX/XXXX bal. {$5600.00}, XXXX Management Service Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX********* date opened XX/XX/XXXX bal ;. {$1200.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX Intl In Account # XXXX date opened XX/XX/XXXX XXXX {$93.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$41.00}. Inquiries : XXXX XXXX XXXX, culs, carvana, flagship cre, XXXX, 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Professional Debt Me Account # XXXX date opened XX/XX/XXXX bal. {$5600.00}, XXXX Management Service Account XXXX XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX********* date opened XX/XX/XXXX bal ;. {$1200.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$340.00}, XXXX XXXX Intl In Account # XXXX date opened XX/XX/XXXX XXXX {$93.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$41.00}. Inquiries : XXXX XXXX XXXX, culs, carvana, flagship cre, XXXX, 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute Letter Under 15 U.S. Code 1681o ( Civil Liability for Negligence ) Against Equifax, Experian, and TransUnion To Whom It May Concern, I am writing to formally dispute the negligence of the three major credit reporting agenciesEquifax, Experian, and TransUnionfor their failure to maintain accurate information on my credit report and to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which holds them civilly liable for negligence. 

Despite my repeated efforts to correct inaccurate information on my credit report, the credit bureaus have failed to take appropriate action to rectify these errors. The following issues constitute their negligent handling of my credit information : Failure to Ensure Maximum Possible Accuracy : The bureaus have continued to report incorrect information, causing significant damage to my credit profile and financial well-being. 

Failure to Conduct a Proper Investigation : Despite my prior disputes and the submission of supporting documentation, they have failed to conduct a thorough investigation or correct the inaccuracies.

Failure to Respond in a Timely Manner : My requests for corrections have either been ignored or inadequately addressed within the legally required timeframe.

Resulting Financial and Emotional Harm : Due to their negligence, I have suffered financial loss, increased interest rates, denied credit opportunities, and emotional distress.

Pursuant to 15 U.S. Code 1681o, I am requesting the following remedies : Immediate correction of the inaccurate information on my credit report. 

A thorough reinvestigation of all disputed items, ensuring compliance with FCRA guidelines. 

Compensation for the financial and emotional distress caused by their negligence. 

Please consider this letter as a formal complaint and demand for resolution. If the CFPB does not take appropriate action, I am prepared to escalate this matter through legal channels.

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 2025-02-14 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: GA

Complaint narrative:
I XXXX XXXX NEVER GAVE ( EQUIFAX, EXPERIAN, OR TRANSUNNION ) ANY VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT. A COPY OF THE LAW IS ATTACHED WITH THE DISPUTE I HAVE NOT GIVEN YOU PERMISSION TO ACCESS MY CREDIT PROFILE AND YOU HAVE NO PERMISSINLE PURPOSE BY LAW TO CONTACT THIRD PARTIES WITH MY PRIVATE OR PERSONAL INFORMATION. YOUR OFFENSES AMOUNT TO AGGRAVATED IDENTITY THEDT PURSUANT TO 18 U.S.C.1028A YOU HAVE KNOWINGLY TRANSFERRED, POSSESSED OR USED WITHOUT LAWFUL AUTHORITY A MEANS OF IDENTIFICATION OF ME WHICH IS A FELONY PUNISHABLE WITH UP TO 2 YEARS OF IMPRISONMENT IN ADDITION TO CIVIL LIABILITY

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 2025-02-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Information under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681o, you are liable for negligent noncompliance with the law, including failure to maintain accurate consumer information and properly investigate disputes. 

The following item ( s ) on my credit report are inaccurate : 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 XXXXXX/XX/XXXX disputes documentation ( e.g., payment records, correspondence with the creditor, etc. ) to verify that this information is incorrect. Under the FCRA, you are required to conduct a thorough investigation and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receiving this dispute. 

Failure to correct this error constitutes negligence under 15 U.S.C. 1681o, and I reserve the right to pursue legal action, including seeking damages for harm caused by this inaccuracy.

Please provide written confirmation of the results of your investigation and any corrections made to my credit report. If you need additional information, you may contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-14 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: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some fraudulent accounts. I have filed an identity theft report with the CFPB, which is attached to the fraudulent accounts. Please assist me in ensuring these accounts are removed from my report. 
XXXX XXXX XXXX # XXXXXXXX XXXXXXXX # XXXX Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 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: LA

Complaint narrative:
I recently received a copy of my credit report and noticed some fraudulent accounts. I have filed an identity theft report with the CFPB, which is attached to the fraudulent accounts. Please assist me in ensuring these accounts are removed from my report. 
XXXX XXXX XXXX # XXXXXXXX XXXXXXXX # XXXX Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the handling of my credit account with Sam 's Club. Recently, they decreased my credit limit without prior notification, which has significantly increased my credit usage ratio. This action has adversely impacted my credit score.

I believe this practice is unfair and am seeking your assistance in addressing this matter. 

Thank you for your attention to this issue.

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 2025-02-14 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
What happened : On multiple occasions, I disputed inaccurate and erroneous information on my credit report with Experian, but they failed to properly investigate and address my disputes. Despite providing supporting documentation, Experian conducted what appeared to be " sham investigations '' and either verified the false information without proper validation or failed to respond altogether.

Additionally, I experienced instances where previously disputed and removed inaccurate items were reinserted into my credit file without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Each time I submitted disputes, Experian either ignored my supporting documents, provided automated responses without meaningful investigation, or reinserted false information without notice.

As a result of Experian 's failures, my

credit score was negatively impacted, causing me to be denied credit and face higher interest rates. These errors also jeopardized my ability to secure housing and employment opportunities. I am filing this complaint in light of the CFPB 's lawsuit against Experian, which directly reflects my experience. I request that the CFPB intervene to ensure that all inaccurate and unverifiable items on my credit report are permanently deleted and that Experian complies with its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened : On multiple occasions, I disputed inaccurate and erroneous information on my credit report with Experian, but they failed to properly investigate and address my disputes. Despite providing supporting documentation, Experian conducted what appeared to be " sham investigations '' and either verified the false information without proper validation or failed to respond altogether.

Additionally, I experienced instances where previously disputed and removed inaccurate items were reinserted into my credit file without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Each time I submitted disputes, Experian either ignored my supporting documents, provided automated responses without meaningful investigation, or reinserted false information without notice.

As a result of Experian 's failures, my

credit score was negatively impacted, causing me to be denied credit and face higher interest rates. These errors also jeopardized my ability to secure housing and employment opportunities. I am filing this complaint in light of the CFPB 's lawsuit against Experian, which directly reflects my experience. I request that the CFPB intervene to ensure that all inaccurate and unverifiable items on my credit report are permanently deleted and that Experian complies with its obligations under the FCRA.

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from Wells Fargo ( WF ) alerting me to a scheduled payment from my account. I had NEVER set up any payments from this account, so within 30 minutes I was on the phone with WF fraud department instructing them to stop the payment. They responded it was already being processed- too late to stop and I should complete a fraud claim affidavit which I did promptly. The claim was denied as they said the instructions to disburse were sent from a device using my IP address. I challenged that and requested to see the data. 33 days later I received the log-in report proving that it was NOT from my IP address. All other logins to this account were from my static IP address except for the 3 involving fraud. Their claim to the contrary was proven to be incorrect and disingenuous. I have filed the claim 2 additional times both declined with no explanation. The branch banker I met with 3 times informed me that this has become a common form of fraud against WF and I should continue my fight.

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 2025-02-14 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: NY

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 explanation