vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Greetings, On or around XXXX TransUnion reported a newly *XXXX** Account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX that was open in XXXX in XXXX-No Late Payments on or around XXXX This account was Closed/Removed from all ( XXXX ) Credit Reports XX/XX/XXXX XXXX Have tried to dispute with TransUnion x ( 3 ) only to have removed from " Closed '' account XXXX  is no longer in business and now only a digital account banking out of town.. 

Reporting on XX/XX/XXXX declined my XXXX XXXX with TransUnion by XXXX points.. 

Also, TransUnion refuse to update my XXXX of XXXX oldest XXXX XXXX It is in my opinion that TransUnion has deceptive reporting practices with an underline discrimination.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo called me with fraudulent information to both my name and social security number. They provided me with all my information. They called me today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They were extremely rude and very aggressive. They provided me with too much information of my information ( XXXX XXXX The phone number called from was XXXX. They also provided me with a faked identification number # 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Requested removal of credit inquiries unauthorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spoke with all the creditors & they have no record of inquiries. No authorization from me to do so. However, when speaking with representatives from each bureau they claim it's verified, but unable to provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. 
I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Would like all recent credit inquires throughout my report, any bankruptcies, late payments, recent accounts opened to be removed, any collections on my account, any medical bills, any repossessions. There has been a data breach with all credit bureaus. My information was clearly stolen. According to the Code 15 USC 1681, 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA aims to protect the privacy and accuracy of consumer credit reports. 
I, Require consumer reporting agencies to be fair, accurate, and confidential I, Require consumer reporting agencies to adopt reasonable procedures It allows users to disclose the contents of consumer reports to consumers Please remove all unnecessary information due to the data breach.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I send dispute to investigate multiple time and Experian and EQUIFAX continue with error on my credit report all credit reports company not match which other please removed this fraudulent accounts from my credit report that hurting obtaining credit .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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed TransUnion reinserted XXXX Bank account # XXXX previous deleted material fraudulent accounts on my credit report.Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 I, XXXX XXXX XXXX declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX  XXXX : {$7600.00} Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$17000.00} : Open : XXXX XXXX, XXXX State Employees Credit : {$3200.00} : Open : XXXX XXXX, XXXX XXXX  XXXX  XXXX  : {$400.00} : Open : XXXX. XXXX, XXXX XXXX  XXXX  XXXX  : {$320.00} : Open : XXXX XXXX XXXX XXXX  : {$500.00} : Open : XXXX XXXX, XXXX XXXX Systems : {$260.00} : Open : XXXX. XXXX, XXXX XXXX XXXX XXXX : {$180.00} : Open : XXXX. XXXX, XXXX XXXX XXXX : {$83.00} : Open : XXXX. XXXX, XXXX Hard Inquiries : 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 I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.

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 2025-03-01 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: MO

Complaint narrative:
XXXX XXXX account was charged off, as it state on my TransUnion credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my XXXX form as well as it removed from my credit report. I can sue XXXX  XXXX for fraud.

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 2025-03-01 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: MO

Complaint narrative:
XXXX  XXXX account was charged off, as it state on my XXXX credit report. Which whenever an account has been changed off it should not be reported on a consumers credit report as well a write off. The company did not send me a 1099 C form after they charged off the credit as well as reporting a charged off on my report that's considered fraud. Under the FCRA, I'm entitled to seek statutory damages if a creditor furnishes inaccurate information about a debt, such as inaccurately reporting a charge off. While still claiming I owe the debt. I would like to receive my 1099-C form as well as it removed from my credit report. I can sue XXXX  XXXX for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by improperly reporting inaccurate information to my credit file and failing to take corrective action. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers are required to ensure the accuracy of the information they report under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information Failure to comply with the FCRA may result in legal action, including seeking damages as outlined under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o )

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by improperly reporting inaccurate information to my credit file and failing to take corrective action. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers are required to ensure the accuracy of the information they report under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information Failure to comply with the FCRA may result in legal action, including seeking damages as outlined under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A while back ( uncertain of specific timeline on these steps ), I went into my local Chase branch to update the names on my cards after my legal name change. They informed me that they could not update the name on my XXXX credit card, and directed me to send in a form provided with my original certified documents. They indicated that I would receive my original documents back. 

I sent in the form along with my documents as directed. I never received any notification that the change was complete, and did not receive my documents back. 

It took calling the Visa/card services branch of Chase earlier this week ( XXXX, XXXX XX/XX/year> ) about the situation to determine that they had been received, and that a card with my updated name could be provided. They confirmed that the name would not have been changed without receiving those documents along with the form through the mail- so the papers were absolutely received by Chase. 

The card is now in the mail, but I have had multiple agents across several calls and transfers between departments tell me they did not know what happened to my papers, and that there is no evidence they were returned by mail to me. I was directed to the online secure messages through the app to further investigate the situation. After several messages across several days, in which I provided the details of my situation and requested to know how I could get my documents back. I also inquired as an alternate resolution if I could be compensated for the monetary cost for replacement, time cost to access the city buildings for replacement, and personal information risk ( bank information provided in combination with legal documents ) if the documents had been lost by Chase. After several messages, I was still unanswered and directed to send my inquiry by mail. 

For my divorce decree and my name change decree, those were the only notarized copies I had possession of. I have now replaced these documents, with approximately XXXX hours of my time and {$28.00} in directly associated costs in obtaining those documents on XXXX XX/XX/year>. These monetary costs are distributed among {$7.00} for the certified name change decree, {$16.00} for the certified divorce decree, and {$5.00} for public transit to and from the city buildings. 

I will be submitting a letter containing all of this information, including receipts for obtaining the documents and a print copy of the conversation with their online help group.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a wire transfer of {$3000.00} dollars was sent to XXXX XXXX from my XXXX account to their XXXX XXXX account on the pretense of me renting a apartment after having signed a lease and was assured everything was refundable, I backed out before moving in and have not received the money back. I contacted my XXXX  bank on XX/XX/XXXX and reported the fraud, I received a fallow up email on XX/XX/XXXX saying the the recall was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I sent dispute letters about XXXX specific accounts to all XXXX credit agencies via certified mail. XXXX is performing their investigation, XXXX sent a stall letter that is obviously generated, because it said I didn't provide enough information that proved I was the one who wrote the letter, and then Experian sent the same notice to me. I have attached both automated emails that seem to be very similar. Are these agencies working together on a tactic that prevents me from exercising my rights? Both XXXX and Experian sent me the same type of letter accusing me of using a " credit clinic '' or credit repair company. I used a service to mail my letters via certified mail that allows me to keep paper trail and properly track my mail so that I have evidence, because I knew they'd prevent me from exercising my rights. I will provide documentation. 

Especially, in these letters, they stated that there wasn't enough information or authorization-to-anyone to send those letters for me, but I clearly provided a self declaration letter that states that I am solely responsible and wrote the letters on behalf of myself. I also provided my full name, date of birth, address, and all identifiers including proof of address ( utility bill ), SSN Card, and Copy of my State issued Driver 's License ( Front & Back ). If these documents were handled by an individual, it would have not been " flagged '' as unauthorized. So why are they still allowed to use the e-Oscar system? It should be banned! It makes it hard for consumers who have a busy schedule and can not get ahold of their customer service because of wait times. I got ahold of XXXX but Experian customer-service line for dispute department sucks! I can never find time out of my busy work schedule to get a person on the phone during business hours. I'm stuck waiting for soooo long!

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> and XX/XX/year> I ask XXXX XXXX XXXX why was there XXXX hard inquiries on my credit report. There answers to my question was they only did one hard inquirie on XX/XX/year> and they dont see where XXXX was done on XX/XX/year> I explained that to TransUnion and also dispute it and it is still showing on my credit report. 

I am asking for a full investigation into this and please let me know your findings

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 2025-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
XXXX XX/XX/year> my wife and I closed on a new home with Lennar Mortgage. We were informed that we were due a refund due to overpaid down payment of {$1200.00}.

We tried several times to recover our funds.

Lennar has since sold our mortgage. We get no responses.

Please help

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