vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I requested a investigation and asked all inaccurate information be removed. I have not received details of investigation and how the investigation was made and inaccurate information is still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
I am filing this formal complaint against XXXX for their failure to accurately report the repayment status of my XXXX  loans during periods of deferment, resulting in false information on my credit reports. 
From XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX, I was enrolled as a XXXX or more than XXXX XXXX, as evidenced by my attached XXXX  transcript. During these periods, my loans were in deferment, yet XXXX inaccurately reported " No Data Available '' for these months on my credit reports instead of the correct status of " Paid as Agreed. '' This misreporting is damaging and misleading, as deferment due to enrollment should be reflected as being in good standing. 
Furthermore, in XX/XX/XXXX, I entered into a written agreement under XXXX ( formerly XXXX 's ) Rate Reduction Program to pay {$700.00} monthly. I have honored this agreement without fail, but XXXX falsely reported my account as 150 days late in XX/XX/XXXX and left " No Data Available '' for XXXX, XXXX, and XX/XX/XXXX. These inaccuracies are contradicted by XXXX 's own correspondence, which confirms my payments were made on time.

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 2025-01-27 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Dear XXXX XXXX  I am writing in response to your communication dated [ date of the letter you received ] regarding an alleged debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). 
Please provide the following information : 1. Validation of the Debt : The name of the original creditor. 
The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges. 
Documentation showing that I owe this debt and your authority to collect it. 
2. Proof of Ownership : Copies of any agreement that bears my signature and establishes this debt. 
A copy of the assignment or transfer agreement if this debt has been sold or transferred. 
3. Details on Collection Rights : Evidence of your authority to collect debts in my state, including any applicable licensing information. 
Under the FDCPA, I have the right to dispute this debt and request verification before making any payment. Please note that any attempt to report this debt to credit reporting agencies without proper validation would violate the FDCPA. 
Additionally, I request that you cease all communication with me about this debt, except to provide the requested validation information or to notify me of specific legal actions. 
Please respond in writing within 30 days of receiving this letter. Any future communication should be sent to my address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ID # XXXX DL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear XXXX XXXX  I am writing in response to your communication dated [ date of the letter you received ] regarding an alleged debt. I do not recognize this debt and am requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ). 
Please provide the following information : 1. Validation of the Debt : The name of the original creditor. 
The amount of the alleged debt, including a detailed breakdown of principal, interest, fees, and other charges. 
Documentation showing that I owe this debt and your authority to collect it. 
2. Proof of Ownership : Copies of any agreement that bears my signature and establishes this debt. 
A copy of the assignment or transfer agreement if this debt has been sold or transferred. 
XXXX. Details on Collection Rights : Evidence of your authority to collect debts in my state, including any applicable licensing information. 
Under the FDCPA, I have the right to dispute this debt and request verification before making any payment. Please note that any attempt to report this debt to credit reporting agencies without proper validation would violate the FDCPA. 
Additionally, I request that you cease all communication with me about this debt, except to provide the requested validation information or to notify me of specific legal actions. 
Please respond in writing within 30 days of receiving this letter. Any future communication should be sent to my address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ID # XXXX DL # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at the location of XXXX XXXX XXXX, XXXX, XXXX  XXXX {$20.00} was withdrew from ATM, amount charged {$71.00}. Disputed amount of {$51.00} was filed with Wisley ( ADP ) XX/XX/XXXX. Was informed statement of dispute was to be mailed and returned within ( 10 ) working days also advised within ( 10 ) working days a provisional credit of {$51.00} would be issued. As of XXXX Have yet to receive copy of statement of dispute nor received provisional credit. Have contacted wisley ( ADP ) XXXX / XXXX. Informed Statement of dispute was mailed and to contact via email. Claim number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An unauthorized charge from XXXX on XX/XX/XXXX caused my WF checking account to inadeqate funds for the payment of multiple scheduled payments within days of the payment this unauthorized charge. I did not expect this deduction from my WF checking account and by the time I was aware of the " problem '' multiple payment requests from scheduled auto-pays had been requested ( payment ). Although I contacted Wells Fargo multiple times request that the overdraft fees be removed and refunded to my account. The first agent I spoke to did credit my account for the XXXX transaction and for the first OD fee. Multiple OD fees were charged and often the WF fees was far in excess of the payment requests /payments. Although WF website had information that up to 3 OD fees could be reversed, the 2nd agent I spoke to refused to reverse the numerous OD fees and advised that the WF policy only allowed reversal of ONE OD fee. The numerous OD fees created a balance that meant I would be unable to make multiple scheduled payments AND these numerous fees also caused me to have inadequate funds to buy/pickup XXXX XXXX and w/out XXXX? I needed to go to Hospital XXXX. The OD fees since the XXXX fraudulent charge have totalled over {$1200.00}. I feel WF was unreasonable re : reversal of these fees considering thw circumstances.

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 2025-01-27 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that may be a result of the XXXX data breach. I believe that the following information is inaccurate, and I am requesting that it be investigated and corrected immediately. The specific issues I am disputing are as follows ( See attachments ). I suspect this error stems from the XXXX data breach that occurred in 2017, during which my sensitive personal information may have been exposed. As a result I request that you investigate the disputed information, provide me with the results of your investigation and correct or delete any incorrect or fraudulent information. Enclosed I have included the following documents to support my dispute. A copy of items highlighting the inaccurate information, a copy of an identity theft affidavit and a copy of my photo identification card. Please complete this investigation with in the 30 days time frame required by the fair credit reporting act ( FCRA ). If you determine that the disputed information is inaccurate, I request that you notify me and all other credit reporting agencies to update their records accordingly. Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash app has failed my direct deposit fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
The pictures/screenshots show that I was denied but I was never sent a valid/legal document showing my debt transfers from XXXX to XXXX XXXX XXXX. A proper investigation was not done. 


Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

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 2025-01-27 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: AZ

Complaint narrative:
The pictures/screenshots show that I was denied but I was never sent a valid/legal document showing my debt transfers from XXXX to XXXX XXXX XXXX. A proper investigation was not done. 


Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.

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 2025-01-27 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: TX

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CT

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. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX on several attempts to investigate and remove items from my credit report.. they have failed to investigate the account but in stead in 5-7 days update on the file verified with no explanation of how and what was verified.. the account areXX/XX/XXXXfor XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXXfor XXXX,XX/XX/XXXXXXXX for XXXX, XX/XX/XXXX, XXXX {$780.00}, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I have contacted XXXX on several attempts to investigate and remove items from my credit report.. they have failed to investigate the account but in stead in 5-7 days update on the file verified with no explanation of how and what was verified.. the account are XX/XX/XXXXfor XXXX, XX/XX/XXXXfor XXXX, XX/XX/XXXXfor XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXXXXXX for XXXX, XX/XX/XXXX, XXXX {$780.00}, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/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