vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently received a copy of my 3 BUREAUS consumer report and I noticed some inaccurate information posted on my consumer report 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

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 2025-01-08 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: CA

Complaint narrative:
I am resubmitting this complaint against EXPERIAN due to nature that a dispute regarding XXXX XXXX # XXXX was resubmitted back onto my credit report with no proper investigation. I received documentation from XXXX  XXXX stating that the referenced account ending in XXXX ( see letter from XXXX XXXX case # XXXX picture attached ) Furthermore, I have submitted documentation to " XXXX XXXX '' SHOWING THAT I WAS XXXX  WHEN THE FRAUD INITIATED!! ( SEE XXXX CASE # XXXX DOCUMENTATION ATTACHED ). " EXPERIAN '' has violated several FCRA VIOLATIONS!!! 

Examples of FCRA violations related to reinserted items on credit reports include situations where credit reporting agencies : 1. Reinsert a previously deleted item without conducting a reasonable investigation into the accuracy of the information.

2. Fail to notify the consumer in writing about the reinsertion of a deleted item on their credit report within 5 business days, as required by the FCRA.

3. Reinsert inaccurate or unverifiable information without providing proof or documentation to support the accuracy of the reinserted item.

4. Reinsert a deleted item without informing the consumer of their right to dispute the reinserted information and have it reinvestigated.

5. Ignore a consumer 's dispute regarding a reinserted item and fail to conduct a proper reinvestigation as mandated by the FCRA.

6. Repeatedly reinsert the same item on a consumer 's credit report after it has been successfully deleted following a dispute, without new evidence or verification. 

Reinsertion on a credit report is when a credit bureau adds back information that was previously removed, often after a dispute. The Fair Credit Reporting Act ( FCRA ) prohibits credit bureaus from reinserting disputed information unless certain conditions are met : The data furnisher ( the bank, credit card company, or debt collector ) certifies that the information is accurate. 
" EXPERIAN '' has not submitted any documentation showing an investigation was conducted. I have submitted documentation showing proof that I was XXXX  when this happened. I am submitting this complaint to the CFPB with documentation showing that fraud was committed against me.

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 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear CFPB, I am filing a formal dispute against [ Name of Creditor/Company ] regarding the inaccurate reporting of late payments on my credit report. These errors violate my rights under 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act ( TILA ).

Details of Dispute 1. Violation of 15 U.S.C. 1666 ( b ) Billing Error Resolution According to this statute, creditors must promptly investigate disputes regarding billing errors, including incorrect late payment charges. Despite my timely payments or resolved disputes, [ Name of Creditor/Company ] failed to properly investigate and continues to report inaccurate late payments to the credit reporting agencies.

2. Violation of 15 U.S.C. 1637 ( a ) Disclosure of Account Terms This statute requires creditors to provide clear and accurate disclosure of terms, including billing cycles, payment due dates, and late payment penalties. The late payment entries on my credit report are inconsistent with the account terms disclosed to me or with payments I made within the agreed timeframe.

Key Issues The reported late payments on [ specific dates ] are inaccurate or unjustified.

My payments were made on time, or I was not provided clear disclosure of due dates and penalties. 
The creditor has failed to investigate or correct the inaccuracies despite my efforts to dispute them. 

Requested Actions I respectfully request the CFPB to : 1. Investigate XXXX, Experian, and XXXX for failing to resolve my billing dispute as required by 15 U.S.C. 1666 ( b ). 
2. Require the credit reporting agencies to remove the inaccurate late payments from my credit report. 
3. Ensure that XXXX, Experian, XXXX complies with federal disclosure laws under 15 U.S.C. 1637 ( a ). 

Supporting Documentation Impact and Resolution The inaccurate late payment entries have unfairly harmed my credit score and financial standing. I trust the CFPB to address these violations, ensure the errors are corrected, and prevent further harm. 

Thank you for your time and assistance in resolving this matter. I look forward to your response and resolution. 

Sincerely, 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 2025-01-08 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: TN

Complaint narrative:
Hello, I am writing to urgently inform you that my personal information has been compromised in a recent national data breach. Upon reviewing my credit reports, I discovered several unfamiliar accounts that appear to be associated with my name. In response, I have requested debt validation from the credit reporting agency, but to date, they have not provided the necessary information. 

As my personal data has been exposed, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding the unfamiliar accounts. 

For your reference, I have attached the following documents : A copy of my ID The FTC complaint detailing the fraudulent activity XXXX XXXX XXXX XXXX  ( NPD ) report confirming the breach of my personal information The debt validation request letter I request your immediate attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I have sent certified mail that was delivered on XX/XX/year> requesting that incorrect information on my Credit Report be removed. I have attempted to call but have no been successful in speaking to someone regarding my report. This is the 3rd attempt.

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 2025-01-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX XXXX performed an inquiry ( XXXX  consumer inactive ) I am unaware of what this inquire is about and why is it performed. Due to this inquiry my XXXX XXXX credit card was affected. My credit line was decrease significantly due to inaccurate information given to them by XXXX. I did not give permission to XXXX  to pull my credit report nor to supply my information to them. XXXX has stated that XXXX has supplied information stating that I have accounts that are delinquent. As of today I am unaware of any delinquent or negative accounts.This action has caused my husband and I emotional distress.

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 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Rent Recovery solutions was suppose to remove the item off my credit report. 
It was paid in full and not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-08 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: NY

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing discrepancies.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I applied for this card on XX/XX/XXXX. I was approved. They advertise that you get immediate access to your credit by adding it to your virtual wallet. That was false! said I could add the virtual card to my XXXX XXXX  until the physical card arrived. I never was able to add it to my virtual wallet and called in and was told to wait for my physical card. My card was mailed out on XX/XX/XXXX and received by me on XX/XX/XXXX. I activated the card and tried to make a purchase but it kept declining. I called the card issuer today and was told that they closed my account on XX/XX/XXXX, the same day that they sent this card out. They wouldnt give me an explanation for the closure and keep saying that they can choose to close an account at anytime without notice. My credit report will now reflect a hard inquiry as well as an opened then closed account. This is a fraudulent company that participates in misleading business practices to receive annual fee payments from consumers who are tying to rebuild credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo converted my XXXX XXXX to a One Key Mastercard without my consent. When I made my first transaction months later, I had no access to the APR. Although I had online banking, there were no statements available before that, and the APR wasnt displayed anywhere in the app or website. Wells Fargos claim that APR can always be found in the statement is irrelevant, as no statement existed at the time. This left me unable to make an informed decision, violating transparency requirements under the Truth in Lending Act. 

On top of this, before I activated the new card, multiple unauthorized transactions occurred in the XXXX XXXX. While Wells Fargo resolved my fraud claim, they have not addressed the critical issue : how my unused, non-activated card information was compromised in the first place. 
Since the card was new and unused, this suggests a failure on Wells Fargo 's part to protect sensitive customer information. The fact that my data ended up in the hands of bad actors reflects potential negligence in their systems or by their employees. 

Despite raising these concerns with Wells Fargo and the Department of Financial Services, the bank has refused to investigate the data breach or take accountability for the lack of transparency and security that led to these issues.

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 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX from the Office of the Customer at Citizen 's Bank replied my previous CFPB complaint with a message stating " Citizens processed a write off in the amount of {$1200.00}, to refund the payments which were made to the account. You will be receiving a refund check under separate cover ''. I have still not received this check and it has been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax credit report isnt accurate called multiple times sent in multiple documents mailed in manually an electronically no results having hard time getting score updated an errors removed an fixed in credit report that should not be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I never received any mail or notification of this debt attempt. 

Account info Account name RADIUS GLOBAL SOLUTIONS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$890.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$890.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$890.00} Highest balance - Terms 1 Months On record until 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 2025-01-08 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these accounts were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief