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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
First off I want to start with people should know how to to file or what kind of dispute to file and thats why they get denied is it a charge dispute a direct Violation of the protection act etc in my case I believe that Experian didnt do there end I disputed this many of times and called I finally got the issuer them selfs on the line to look at XXXX late fee after telling me twice there was not late fee I insisted to look again cause I have the statement and there was a late fee also I pay XXXX a promotional fee for credit protection that this should of been covered never on my report I told and expressed this to Experian and the card company and we cant just go by peoples word cause its ther mechanic skills that could be the problem human error there should be a system in place where this dont happen after I was persisting the agent agreed and as we speak is tuning an internal investigation its in XXXX and XXXX  this should of never happen when I field years ago I have a summarizing of this conversation with the card issuer and XXXX  states A late fee on a credit card account from XX/XX/year> is being investigated. The customer claims the late fee should be removed because they have credit protection, which should cover the payment. The investigation will take XXXX business days to complete.this is just one problem but I feel as if I never did what I did it would stand and it shouldnt and I think a couple laws where broken but I just want what is right I had other limit this is a XXXX card limit lowest card account I ever had and if you look at my other card never late always paid how can a XXXX card limit hold and carry all this weight to ruin a score and do this

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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank provided a resolution letter that is to the XXXX of the comptroller of the currency which was supposed to be for them and then later this week another response from this bank which confused me about whether response is accuracy. XXXX response to the XXXX, saying, there is no differs between the resolution letter from XX/XX/year> - XX/XX/year>, with case XXXX XXXXXXXX ( see at attachment ) and resolution letter to me, saying, " a business 's decision to end your deposit relationship and close your accounts ending in XXXX ( XXXX XXXX and XXXX ( XXXX XXXX ) '' means ( see at attachment )? Did I do anything wrong to close my bank accounts? I'm not sure I violated any rules/policy. Tell me why I have such good banking relationship with this bank and all of a sudden it got closed down or ending banking relationships with me on 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 2025-02-13 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 2025-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I cant not contact TransUnion. I tried to chat and call about this discrepancy on my credit but no one answers or follow up. 

Attached is the issue - The US Dept of Education has placed a derogatory mark on my credit when the matter was already resolved per the agreement to repay and my reinstatement letter. Although I did dispute the overpayment directly through the US Dept of Edu, XXXX, and my Financial Aid because the overpayment was due to a mistake by the XXXX XXXX XXXX XXXX, they had a common practice of disbursing financial aid money on a specific date and then going back and taking the money back due to " overpayment '' or some mistake done by their office. This overpayment was made when I was graduating the XXXX XXXX Still, no one took accountability for the error and I had to enter a repayment plan with the Dept of Education although this was not my fault. The Dept of Education is further trying to disenfranchise me by placing this delinquent mark on my credit when I have furthering myself in finishing college and working on my credit. This is a direct result of this department 's negligence. Per the Department of Education, this debt has been resolved. Attached is '' FAFSA reinstatement letter ( letter stating that the debt has been satisfied ) -Screenshot of the derogatory mark on my credit report XXXX points taken from 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Information ( In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the account #, date opened, high credit, credit limit, last reported, date of last activity, and day of the last payment.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TX

Complaint narrative:
Account info Account name XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$450.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$450.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$450.00} Terms - On record until XX/XX/XXXXXXXX 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 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 Experian, alleging systematic 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to remove or amend the disputed accounts, as experience in action violates federal law and my right 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 2025-02-13 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Eastern Account Systems has been calling maybe once a week for a couple of months saying they were collecting on a debt for XXXX XXXX. I don't know the dates of the calls but each time I told the collection agency that XXXX said I don't owe anything and they never called a collection agency. I called the collection agency and told them this and they said, " Well, then how did we get your information? '' I asked them to please take the derogatory credit off my credit report ( which had showed up today ) because I don't owe anything. They said they wouldn't do that until XXXX verified with them that the debt had been paid. I called XXXX and they said they don't do that unless there was a debt with the collectors. So I'm stuck between a rock & a hard place and now my otherwise stellar credit report has an unpaid debt on it. Supposedly, the debt was reported in XXXX of 2024, according to Eastern Account Systems, in the amount of {$230.00} and later was reduced to {$100.00}, which is what showed up on my credit report. I had signed up with XXXX in XXXX but it took a couple of weeks to get everything going. How do I get this off my credit report if they won't talk to each other?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was banking with BMO over a year since XXXX and had funds transferred from my factoring company to the checking account up until XX/XX/XXXX BMO fraud department froze my account withholding my funds stating that it was fraud I provided all information within allotted time. They said they issued a check XX/XX/XXXX for the remaining balance of close to {$6000.00} I have yet to receive the check. we are now going into 7 months of my money being withheld and has cause me my livelihood I had to move couldnt pay my rent and bills on top of having a severe medical condition. I need my money back

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 2025-02-13 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: GA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXXXX - {$700.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX - {$400.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX Bankruptcy - XXXX Also Known As : XXXXXXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal

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 2025-02-13 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX Federal student loan Struggling to repay your loan Nelnet * This complaint was closed because the company responded. However, the attachment that they sent with the response is unable to be opened. Therefore, I DO NOT have a response. Please look to see if it was sent to you as a true attachment that you can forward to me OR if there is no attachment. In that case, I would need you to send the complaint again for a response that can actually be read. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Me and XXXX XXXX had a verbal agreement that if I paid them XXXX dollars more on the car loan they would end the loan and I wouldn't have to pay them anymore the loan would be done. We made this agreement in XX/XX/year> and the agreement was that I make monthly payments in the amount of XXXX to XXXX monthly until I reach the agreement amount. We came to this agreement because the vehicle had a lot of issues and I paid out of pocket to have them fixed. I am filing this complaint because after I paid them what they asked they went back on they word and instead charged the car off which left a negative mark on my credit pertaining to my car loan. Which this is not the agreement we made. I have proof of all the payments.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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