vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I had a home loan bought by Wells Fargo, the home was in Wisconsin. I had to take a job in another state in XXXX. I tried to sell the home but was unable to do so and was unable to make the payments. I spoke with Wells Fargo about different options for relief and we decided that " Deed in Lieu of Foreclosure '' was the best option. I filled out their documentation and it appeared to be approved but Wells Fargo tricked me and foreclosed anyway. I lost everything including my credit score. I believe I am entitled to compensation from an agreement Wells Fargo made agreeing to make amends to those affected by this illegal practice. I have tried several times to get relief from Wells Fargo directly but always get the run round. I spoke with them yesterday ( XXXX ) but still got nowhere with them. This has been a never ending process.

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 2025-04-08 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-08 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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts 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 2025-04-08 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: MA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts 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 non-monetary relief
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-08 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: IL

Complaint narrative:
Please promptly block and delete the unauthorized accounts listed on my credit report. I did not authorize or recognize these accounts. As outlined in USC 1681g, I am requesting their removal within 15 days. Ive attached the relevant documentation for your review. Also, each credit bureau appears to have conflicting information regarding these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: IL

Complaint narrative:
The reference number for the Debt Company : XXXX On XXXX I set up payment arrangements to withdrawal XXXX to be withdrawn every two weeks until XXXX  to pay debt total XXXX XXXX.There as NO returned payments. On XXXX I received email confirmation that XXXX was posted to the account. On XXXX I received email confirmation XXXX  was posted to the account. On XXXX, I received two separate emails stating " that an account now being handled by our office '' When I click the link the to 'see my options ' on both emails it only takes me to the referenced number above with payment arrangement on it. So I responded to email asking why they are reaching out about this account when there was a payment made less than 7 days prior and asked for their certification XXXX. I didn't receive any response. XXXX and money was not removed from my account nor did I receive any emails from Halstead. I called Halstead on XXXX asking why payment was not taken. I was informed they were no longer handling it by an associate. She then informed me there was no payment arrangement set up. Since I knew I did set it up I asked to speak to a manager. The manger informed that 'yes, there was payment arrangement made but because of the email sent by me, Halstead took it as a 'refusal to pay ' and deleted the payments set up and sent it back to the creditor that debtor is 'refusing to pay ' '' I informed him I never received any notice of cancellation of payment arrangement. He was just apologetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Credit Control, LLC
State: CO

Complaint narrative:
Consumer Complaint Statement Unauthorized Debit & Negligence I am filing this complaint against Credit Control LLC for processing an unauthorized electronic funds transfer despite my formal cancellation request, resulting in significant financial harm. 

On XX/XX/year>, I emailed the company to cancel a scheduled payment, following their own policy which states that if the money is there, we will pull it, but if its not, we wont. I intentionally left my account empty to prevent the withdrawal, assuming my cancellation would be honored. 

Despite this, the company proceeded to debit the account, causing it to overdraft. This triggered my bank to pull funds from my other connected accounts, leaving me with a negative balance. I also incurred overdraft and transfer fees as a direct result of this unauthorized action. 

Furthermore, the payment they withdrew was sent to a credit card account that had already been closed, making it impossible for the funds to be applied or retrieved. 

I have : A copy of the cancellation email I sent prior to the scheduled payment Email tracking that confirms the company read my message Bank statements showing the overdraft and linked account withdrawals Documentation showing the credit card account was closed at the time of payment After multiple attempts to resolve this matter, including a formal written demand for a refund and reimbursement, I have received no written response or resolution from the company. 

I am requesting the CFPB to : 1. Investigate this unauthorized transaction under the Electronic Fund Transfer Act ( Regulation E ) 2. Hold the company accountable for ignoring my cancellation request 3. Require a full refund of the debited amount and reimbursement for all overdraft and related fees 4. Ensure the company corrects its internal processes to prevent further consumer harm Thank you for your assistance. 

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 explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX for XXXX debt of {$530.00}. I formally requested debt validation, but I have not received a proper response that includes a signed contract, complete account history, or proof of assignment from the original creditor. 
Despite this, Experian and XXXX continue to report the account as " verified. '' I have also disputed the item directly with the credit bureaus, but no proper investigation took place. They relied on the automated e-OSCAR system, which did not result in the validation of the account. This violates Section 611 of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation of disputed information. 
Additionally, the account is being misreported monthly as a " charge-off, '' even though the account is no longer with the original creditor and is now in collections. This is misleading and inaccurately reflects the current status of the debt. 

On top of that, the account was previously reported as closed, but has been reopened without my knowledge or consent. It continues to update monthly as if it is an open account. This is a deceptive practice known as re-aging, which makes the debt appear more recent than it actually is. This is a violation of the FCRA and is harmful to my credit profile. 
I am requesting that the CFPB investigate this matter and that this account be permanently removed from all credit reporting agencies unless XXXX XXXX XXXX XXXX XXXX full and legal validation of the debt, a proper explanation for why the account was reopened, and justification for the monthly reporting and charge-off status

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing a collection account reported by LVNV Funding/Resurgent Capital Services for a debt of {$530.00}. I formally requested debt validation, but I have not received a proper response that includes a signed contract, complete account history, or proof of assignment from the original creditor. 
Despite this, XXXX and XXXX continue to report the account as " verified. '' I have also disputed the item directly with the credit bureaus, but no proper investigation took place. They relied on the automated XXXX system, which did not result in the validation of the account. This violates Section 611 of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation of disputed information. 
Additionally, the account is being misreported monthly as a " charge-off, '' even though the account is no longer with the original creditor and is now in collections. This is misleading and inaccurately reflects the current status of the debt. 

On top of that, the account was previously reported as closed, but has been reopened without my knowledge or consent. It continues to update monthly as if it is an open account. This is a deceptive practice known as re-aging, which makes the debt appear more recent than it actually is. This is a violation of the FCRA and is harmful to my credit profile. 
I am requesting that the CFPB investigate this matter and that this account be permanently removed from all credit reporting agencies unless LVNV Funding/Resurgent Capital can provide full and legal validation of the debt, a proper explanation for why the account was reopened, and justification for the monthly reporting and charge-off status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
These 3 major credit reporting agencies- Equifax , Experian and Transunion- regarding their failure to provide the method of verification used to investigate and verify inaccurate accounts on my credit report. Under the Fair Credit Reporting Act XXXX ( a ) ( 6 ) ( B ) ( iii ) and XXXX ( a ) ( 7 ) consumers have the right to request and receive a description of the procedures used to determine the accuracy and completeness of disputed information. Despite my repeated requests, these agencies have not provided the required documentation outlining the methods they used to verify the disputed accounts. Furthermore, under the FCRA XXXX ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation when a dispute is submitted. The failure to disclose the investigation methods not only prevent me from understanding the investigation process but also raises serious concerns about the validity thoroughness of the investigations conducted. I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies comply with federal law by providing a clear explanation of methods used to verify the disputed accounts. Proper reset removal of any inaccurate information that can not be adequately verified. Assurance that these agencies adhere to the consumer protection standards set forth under the Fair Credit Reporting Act. I have attached supporting documentation related to this matter. I have reached out to these companies ' multiple times through phone and certified mail in the passing months 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 2025-04-08 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: NJ

Complaint narrative:
These 3 major credit reporting agencies- Equifax , Experian and Transunion- regarding their failure to provide the method of verification used to investigate and verify inaccurate accounts on my credit report. Under the Fair Credit Reporting Act XXXX ( a ) ( 6 ) ( B ) ( iii ) and XXXX ( a ) ( 7 ) consumers have the right to request and receive a description of the procedures used to determine the accuracy and completeness of disputed information. Despite my repeated requests, these agencies have not provided the required documentation outlining the methods they used to verify the disputed accounts. Furthermore, under the FCRA XXXX ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable investigation when a dispute is submitted. The failure to disclose the investigation methods not only prevent me from understanding the investigation process but also raises serious concerns about the validity thoroughness of the investigations conducted. I kindly request that the Consumer Financial Protection Bureau intervene and ensure that the credit reporting agencies comply with federal law by providing a clear explanation of methods used to verify the disputed accounts. Proper reset removal of any inaccurate information that can not be adequately verified. Assurance that these agencies adhere to the consumer protection standards set forth under the Fair Credit Reporting Act. I have attached supporting documentation related to this matter. I have reached out to these companies ' multiple times through phone and certified mail in the passing months XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief