vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-03 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: IA

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 | 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
We were the victim of a fraudulent wire transfer from our Wells Fargo account for {$24000.00}. We have been trying to recover the funds since mid XXXX without any luck. They say they're not responsible for the missing funds because it seemed like an authorized transaction from my wife 's phone that was hacked. They sent no fraud alert but did so a couple hours later when a second wire transfer was attempted. That was caught and stopped. We have never sent a wire transfer in over 25 years of having this account and somehow this transaction for almost {$2500.00} was not flagged and seemed normal to them?

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 2025-02-03 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: MS

Complaint narrative:
Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative processing ( File No.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NV

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

Company 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-03 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I filed for bankruptcy and advised Comenity Bank ( XXXX XXXX XXXX ) of this- providing them with my case number in XXXX of XXXX. They continued collection efforts, and sent me bills during the period when collection efforts should have ceased ( XXXX, XXXX, XXXX and XX/XX/XXXX ). They also reported me late with all three credit bureaus during this time- I called 3 times to ensure they had my information listed correctly and was transferred multiple times, and eventually disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IN

Complaint narrative:
I reported XXXX fraud transactions with chime bank along with a police report and documents from a fraud website where my card was used. And the bank denied my complaint I file with and never gave me my money back from the fraud transactions that happen. I ask for them to close my account due to my money being stolen. They still have not done that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Information on credit report was compromise during the Equifaxdata breach Receiving phone calls regarding medical and scammers regarding insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
Experian failed to properly investigate my disputes for inaccuracies and late payments on my account. They also refused to provide me with the methods of verification used and the documentation supporting their findings during these investigations. Here is a list of the disputes that were not properly investigated and the dates that these items were disputed. 

XXXX  XXXX XXXX account XXXX ( disputed XX/XX/2023 for late payment inaccuracies and unverified debt ) XXXX XXXX accounts XXXX and XXXX ( disputed XX/XX/2023 ) XXXX  XXXX account XXXX ( disputed XX/XX/2023 ) multiple inaccuracies, late payments, unverified investigation XXXX XXXX XXXX account XXXX ( disputed XX/XX/2023, gave verification that this account was paid in full never late, experian refused to properly investigate ) XXXX  XXXX ( disputed XX/XX/2023, unverified debt that should be removed by experian upon a proper investigation ) XXXX account XXXX ( disputed XX/XX/2023, not properly investigated as creditor has this debt listed as paid in full never late ) XXXX account XXXX ( disputed XX/XX/2023, item is a duplicate on this report which causes significant damage to my account. Should be reporting as paid in full and never late but was never properly investigated by experian ) XXXX XXXX account XXXX ( disputed XX/XX/2023, no verification of debt furnished by experian, delete this account ) XXXX XXXX XXXX ( disputed XX/XX/2023, company has no documents that support that this debt exists ) Collections from accounts XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  have no contracts with the consumer. Debt is unverified and experian needs to remove or show valid verification.

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 2025-02-03 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: GA

Complaint narrative:
I have reached out to Experian already about this XXXX account that's reporting on my credit report. XXXX does not own this account anymore. Please remove this account from my credit file immediately. Experian is violating the FCRA. A company can not report an account they don't own. XXXX is still reporting a balance and does not own this account. Please remove this account immediately Experian.

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 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
This account, originally associated with XXXX XXXX, is being inaccurately reported as a paid collection despite inconsistencies in the date of last activity and date paid. Under the Fair Credit Reporting Act ( FCRA ), all information must be accurate, complete, and up to date, yet this account contains errors that require immediate correction or removal. 

Most importantly, Professional Debt Mediation is bound by an arbitration agreement, which prohibits them from reporting or attempting to collect this debt outside of arbitration. By reporting this collection to the credit bureaus, they are in direct violation of the contractual terms they are obligated to follow. 

Additionally, Professional Debt Mediation has failed to provide sufficient validation documents confirming their legal right to collect and report this debt. Without a bill of sale or chain of title from the original creditor, they lack the legal standing to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MS

Complaint narrative:
Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting ( XXXX  ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( XXXX ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative processing ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of 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 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
When I used XXXX XXXX, I was in the market to buy a house but my credit wasnt where it needed to be. The lender I was using transferred me over the phone to XXXX XXXX and told me to talk to them to start working on my credit. If I remember correctly, I had to pay upfront and monthly after that for them to work on my credit. I didnt see any results for some time and when I asked them why I hadnt seen anything they said it could take years. I paid them from XXXX to XXXX. I cant go that far back on bank statements to see the actual amounts I paid. I did finally see some results but it took forever. I feel like they didnt work diligently on what I was paying them for and drug it out just so they could keep me paying monthly. I know theres a lawsuit with them and wanted to see if this is something I qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NV

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

Company 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 2025-02-03 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: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I have disputed this debt both directly with the credit bureaus and with the company regarding the inaccurate, incomplete, and unverifiable information being reported. This misinformation is **severely impacting my credit score** and affecting my **financial well-being**, making it difficult for me to secure housing. 

Despite my repeated requests, the company has denied the following actions : 1. Updating the information with all credit bureaus to reflect the accurate payment history and account status.

2. Provide written confirmation once the verification and correction process is completed.

3. Ceasing further collection activity*and refraining from transferring this account to any collection agency until the dispute is fully resolved.

4. Provide validation of the debt, which I previously requested on XX/XX/year>, via email at XXXX. 

I am again requesting that these issues be addressed promptly in compliance with the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. 
Despite my requests, the company is forwarding the debt to a third-party collection agency, which will further impact my credit score due to their failure to properly investigate this matter and update my credit report with accurate information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
Subject : Civil Liability for Negligence Violation of FCRA 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, which has remained unresolved due to your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, your actions ( or lack thereof ) have resulted in negligent non-compliance, violating 15 U.S. Code 1681o, which holds agencies civilly liable for failure to uphold their legal obligations under the FCRA.

Summary of Negligence & Non-Compliance : Failure to Properly Investigate My Dispute : I submitted a dispute on XX/XX/year>, regarding XXXX XXXX XXXX XXXX  ( REPORTING TWICE ) 2 ACCOUNTS XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX yet the investigation was not conducted properly, nor was any legitimate verification provided. 
Reinsertion of Previously Deleted Information Without Proper Notice : A previously removed account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX was reinserted without notification within 5 business days, violating FCRA 611 ( a ) ( 5 ) ( B ). 
Failure to Provide Documentation or Verification : I requested verification of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX yet no sufficient proof of its accuracy has been provided. The FCRA mandates that unverified accounts be removed. 
Legal Basis for Civil Liability : Under 15 U.S. Code 1681o, any party that negligently fails to comply with FCRA regulations is liable for : Actual damages sustained as a result of the violation ; Attorneys fees and court costs, should legal action become necessary.

Company response to consumer: Closed with non-monetary relief