vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: LA

Complaint narrative:
I have disputed the account more than once. The information that's being reported is inaccurate. 
Fair Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, Trans Union, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standinreportg, credit capacity, character, general reputation, personal characteristics, or mode of living. 
I want an investigation done properly. 
I have requested the information be deleted from my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: LA

Complaint narrative:
I have disputed the account more than once. The information that's being reported is inaccurate. 
Fair Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, Trans Union, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standinreportg, credit capacity, character, general reputation, personal characteristics, or mode of living. 
I want an investigation done properly. 
I have requested the information be deleted from my credit. 
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 non-monetary relief
Consumer complaint received 2025-02-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO DISPUTE DPT Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX XXXX XXXX Amount of Transaction : {$170.00} Card Number : XXXX I provided, on time, to open this dispute and, on time, to appeal this dispute against this merchant, with the support of WellsFargo, for never received for what i was charged for. WellsFargo refused to take in consideration all the proof provided by me ( both receipts and Merchant email respose ) by saying I was not on time to send them ( the timeframe was gone ) Wrong because I have done that on time so I totally disagree with this dispute outcome which I consider as mistake made by the merchant and also by WellsFargo. I tried to appeal several times without without having adequate support by WellsFargo. WellsFargo did not gave me any notice on time but I provided additional information to appeal right away as soon as I find out about the wrong and false merchant respose.

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 2025-02-01 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: CL Holdings LLC
State: CA

Complaint narrative:
This is absolute not my account because Ive been having a lot of fraud on my credit reporting that I had froze as I never knew this was something added to my credit report or nor adding a collection to my account. This XXXX  account is not mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Branch Messenger, Inc.
State: PA

Complaint narrative:
Illegally opening accounts in order for drivers to receive pay and removing driver choice in how to receive pay : XXXX and Branch opened accounts for new drivers by using drivers information, including their Social Security numbers, without obtaining the drivers consent. Drivers pay was then deposited into these accounts without authorization from the drivers. Drivers could not access their earnings without agreeing to Branchs terms and conditions. XXXX required XXXX XXXX  to use Branch accounts or face termination. 
Harvesting more than XXXX XXXX in junk fees from drivers : XXXX XXXX  paid more than XXXX XXXX dollars in junk fees to Branch to instantly transfer their earnings to an account of their choice. 
Deceiving drivers about their access to their earnings : XXXX and Branch misrepresented to drivers that Branch Accounts would give them instant access to pay. In actuality, many drivers experienced delays when accessing their wages or paid fees to transfer their money elsewhere. Branch also deceived the drivers about their ability to stop payments or make certain transfers using the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Today, XX/XX/XXXX I received the fourth letter from Equifax claiming not to be able to locate a credit file for me and demanding my Social Security Information and my drivers license which I have now sent to them three times. I also sent them a copy of my credit report obtained on XX/XX/year> by visiting their office at XXXX XXXX XXXX XXXX. What is abundantly clear is that this stonewalling involves the XXXX, XXXX XXXX, whom I cc d in a letter to the company earlier in XXXX. As previously noted if a credit report is unavailable credit is denied by lenders, banks, credit unions, stores and apartment property managers. I am in the process of renting an apartment and this situation, manufactured out of whole cloth by Equifax will deny me housing. Equifax knows that I know how their business operates and the thousands if not millions of people who they defraud every year. Equifax is, as I have so often said is a social ill that needs to be reigned in by the Attorney General of Georgia and the federal government which is why I have sent a letter to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
Experian is in violation of consumer laws by allowing XXXX XXXX to report an unverified REINSTATED collections to my credit account. Experian did not make me XXXX XXXX, ( the consumer ) aware before allowing a reinstatement of an account that has already been noticed as ( Account Paid Satisfactorily ) and removed from my Experian report for that last 2 years. The original account holder is XXXX XXXX and was documented as ( Account Paid Satisfactorily ) and removed from my credit report back in the end of XX/XX/XXXX. XXXX XXXX Has no legal contract with my signature agreeing to do any type of business with them. They are violating consumer laws and need to be completely removed from my credit report ASAP. It has been brought to my attention that there is a lawsuit against Experian, by the CFPB for ( Sham investigation of credit reporting errors ) This is a clear notice that your negligence will cause penalty and compensation to the consumer ( XXXX ) XXXX XXXX if negligence is practiced with this investigation. XXXX XXXX Has also been made aware of the invalidity of alleged debt that they purchased from XXXX XXXX. Ive filed 10 plus CFBP complaints requesting XXXX XXXX to provide proof of all alleged charges made with the secure credit card before closing in XX/XX/XXXX. Ive made clear in multiple CFBP complaints for XXXX XXXX to provide ONLY purchase transaction statement with the amount of each transaction and the name of the companies/merchants with location and date of charge. Theyve willfully ignored my request as show in attached documents and only gave detailed references to monthly fees ( not relevant without proof of charge balance ) With every response they pretend as though theyve given me the information that Ive requested. Theyve even gone as far as to mark my disputes as duplicates and closing them out 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
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested proof of me signing a contract with the creditor and also asked if they can send me a of my identification card as well as proof of a signed contract WITH MY SIGNATURE for creating this account! I expressed if they can not provide the items Ive requested, I would like for them to remove the damaging item 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 explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account XXXX / XXXX Account 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 2025-02-01 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:
They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.

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 2025-02-01 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:
They are in probably reporting on my Credit report they were reporting that I have late payments on an account that I dont have late payments on the account I have attached a screenshot of said accountant this is zero missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently paid off my XXXX credit card and because of paying off my debt, all three credit bureaus dropped my score. It should have dropped because I have balances on my credit cards. On XX/XX/year>, My XXXX XXXXXXXX statement generated a balance that helped raise my score back to XXXX. XXXX and XXXX immediately Updated my credit report but of course, Experian has not. They are aware of the change because they checked my usage Before recently dropping my score. For the past XXXX months, Experian has not updated my score. I have scored XXXX despite keeping my utilization under XXXX XXXX and paying my creditors in full every month. My score has steadily risen with the other bureaus. I find it odd that Experian was quick to report a negative item. Like paying your debt should be seen as negative. apparently credit bureaus think otherwise yet are slow to update or report positive actions. I am Happy that CPFB finally sued your 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 2025-02-01 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:
I filed a dispute for incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were submitted by me directly, not a third party. I even called them to verify my identity, but they still refused to process my disputes. I ended up wasting money on mailing the disputes and sent personal information to verify my identity through mail, only for them to not thoroughly investigate the 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 2025-02-01 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:
I filed a dispute for incorrect information on my credit report, and I received an email from the credit bureau stating that they assumed the disputes were coming from a third party. However, the disputes were submitted by me directly, not a third party. I even called them to verify my identity, but they still refused to process my disputes. I ended up wasting money on mailing the disputes and sent personal information to verify my identity through mail, only for them to not thoroughly investigate the 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I sent money to the wrong person one who had a fake picture on they're account couldn't get a refund there was no one to contact. Someone sent me money and sent me the screen shot that it was sent but never received it and I had no one to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 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: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-01 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: CA

Complaint narrative:
I have negative items being reported on my credit report. I have requested proper documentation according to the FCRA. Both XXXX and equifax are currently being sued for this exact issue. My credit report is not correct.

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 2025-02-01 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: CA

Complaint narrative:
I have negative items being reported on my credit report. I have requested proper documentation according to the FCRA. Both XXXX and equifax are currently being sued for this exact issue. My credit report is not correct.

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 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company obtained a debt that i never signed to this is illegal I would like it removed of my credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I believe this account is no longer be accurately reported, is outdated, closed, charged off or does not reflect my current financial status.

Company response to consumer: Closed with explanation