vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: LEXISNEXIS
State: GA

Complaint narrative:
CFPB Complaint - LexisNexis Subject : Dispute of Inaccurate Bankruptcy Reporting LexisNexis Complaint Details : I am submitting a complaint regarding inaccurate bankruptcy reporting on my credit report. I requested verification from the courts to confirm whether they provided bankruptcy information to the credit reporting agencies. The court responded by stating that they do not provide any information to the credit bureaus. 

However, my credit report from XXXX, XXXX, and XXXX still reflects a XXXX  XXXX Bankruptcy with the following details : XXXX : Reference # XXXX, Date Filed : XX/XX/year> XXXX : Reference # XXXX, Date Filed : XX/XX/year> XXXX : Reference # XXXX, Date Filed : XX/XX/year> Since LexisNexis is a known provider of public records to the credit bureaus, I am disputing this information as inaccurate and requesting an immediate investigation. Additionally, I am a documented victim of labor trafficking and identity theft, which has significantly impacted my financial history. Given this, it is crucial that this misinformation is corrected as soon as possible. 

I request that LexisNexis remove this erroneous bankruptcy information from its database and confirm its deletion in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
After reviewing the debt validation the address XXXX XXXX XXXX XXXX XXXX. is a storage facility and have no affiliation to that address. they can't provide any sign document that show that the credit debt belongs to me. This organization or show call law firm are group of thugs that hide under the shield as a lawyer to intimidate, harass innocent working family scamming them their hard earned income. In other to facilitate their criminal activities the bought and pay for the election of local and state judges. The act like mafiaso in a law clothes. If federal authorities should step in and stop this XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to request a copy of IRS Form 1099-C for the debt associated with my account Capital One # XXXX, which, according to my records, was charged off on XXXX. And Account XXXX XXXX  # XXXX, was charged off on XX/XX/year>. As per IRS regulations, canceled debts of {$600.00} or more are considered taxable income and should be reported using Form 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX had never used proper or reasonable means to notify me my loan payments were resuming in XXXX XXXX. I had not received any calls at all. I found later after they reported they had a decade plus email on file and send lt communication that I was past due. They never reported a missed payment once to the credit bureau instead I only found out about this as my credit score I built up to XXXX was destroyed as they went right to delinquent rather than attempting to notify me of the issue. Once I found out I immediately brought the acct current and set up autopay.

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 2025-02-16 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: WI

Complaint narrative:
XXXX had never used proper or reasonable means to notify me my loan payments were resuming in XXXX XXXX. I had not received any calls at all. I found later after they reported they had a decade plus email on file and send lt communication that I was past due. They never reported a missed payment once to the credit bureau instead I only found out about this as my credit score I built up to XXXX was destroyed as they went right to delinquent rather than attempting to notify me of the issue. Once I found out I immediately brought the acct current and set up autopay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
XXXX Heard about Equifax Data Breach that happened in XXXX - XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted XXXX XXXX XXXX, please call XXXX at XXXX and provide engagement number XXXX. The data breached was Social Security numbers, birth dates, addresses and drivers license numbers. ON XXXX RECIEVED A NOTICE OF DATA BREACH FROM CHANGE HEALTHCARE, THE DATA BREACH INCLUDED Health insurance information, Social security, drivers license, medical records and banking information. Upon pulling my XXXX full credit reports I saw lots of loans i did not request or sign up for. Also saw lots of inquiries I did not apply for. 
Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7100.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1700.00} XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2100.00} Fraudulent Federal Student Loan XX/XX/XXXX, XXXX PM XXXX https : //www.identitytheft.gov/dashboard XXXX FTC Report XXXX : XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in 2 data breach 's and this information must be removed.

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 2025-02-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX  # XXXX XX/XX/XXXX -- {$440.00} XXXX  # XXXX XX/XX/XXXX -- {$770.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$15000.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year>. I believe all banks in XXXX should reimburse people who have lost money to scams like XXXX XXXX does. People can't hold the burden all alone be the sole person to be liable and responsible for being misled and scammed or identity theft.

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 2025-02-16 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: KY

Complaint narrative:
Ive been forced to file several disputes with Experian concerning errors on my credit report over the years. They claim to investigate and sometimes delete the error, but sometimes not. If it gets deleted, then it may reappear back on my report under a different collections company name later on. It appears different collection firms will buy out old debts that have already been deleted. 

For example ; I disputed an error on my report which got deleted, then it reappeared again. I have submitted several screenshots from Experian of the error in question. 

The error in question on this complaint is from XXXX. I have never had an account with XXXX and this is the second time it has popped up on my credit report with Experian. 

Ive also disputed personal information that was corrected and deleted just to show back up on my report days later. For example ; the spelling of my first name. They corrected the spelling then it came back up on my report incorrect. An incorrect address is in there as well. 

The XXXX XXXX was from my original XXXX  XXXX in 2016. It was sold to XXXX XXXX and was finally deleted after I filed a complaint through this website. It took 9 years for this to be deleted off of my report. 

I request compensation through legal means from this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit 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 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit 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 ( 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 non-monetary relief
Consumer complaint received 2025-02-16 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX CXXXXe XXXX XXXX ( XXXX } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXXXXe XXXX i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX, XXXX XXXX, Acceptance Now, XXXX and all XXXXXXXX XXXX XXXXXXXX accounts

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 2025-02-16 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX CXXXXe XXXX XXXX ( XXXX } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXXXXe XXXX i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX, XXXX XXXX, Acceptance Now, XXXX and all XXXXXXXX XXXX XXXXXXXX accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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. The Consumer Financial Protection Bureau ( 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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My Wells Fargo banking/checking account that is my primary ( where most of my funds are ) was forcefully closed on Friday right before the holiday weekend. I attempted to access it at a XXXX banking location on the weekend ( their branches are closed ) and was not allowed to. It prompted me to call a specific support number, I did, the support just told me my account was closed and refused to provide anymore information. They told me to call a specific number on Monday as theyre closed on the weekends ( not even sure if their guidance was accurate as Monday is a holiday ). I asked so I have no access to my money, you cant give me a reason why, and theres no way for me to get this resolved now?, to which they responded yes exactly.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OR

Complaint narrative:
I made a money transfer on XX/XX/XXXX, but the money was not received by the recipient. On XX/XX/XXXX, I cancelled the transfer, but the money still has not arrived on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
I am filing a complaint against Equifax, Experian, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian, and Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax, Experian, and Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Also, I request deletion of fraudulent items and information within 30 days as outlined in pursuant to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers-Information Available to Victims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX told me my password was leaked in a data breach. 

When I went to renew my XXXX account with XXXX they discontinued my XXXX XXXX XXXX account and made a new one without my consent or briefing me. 

I swapped my insurance a few years ago and XXXX  fraudulently put my account in collections via credit coll. My insurance doubled so I switched companies for half the rate

Company response to consumer: Closed with explanation