vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX my Equifax FICO XXXX dropped XXXX points. I pulled my Equifax credit report and saw that a new Charge Off had been added to my report, dated XX/XX/XXXX. That account had been charged off in XX/XX/XXXX, after being settled for less than owed in XX/XX/XXXX. So there's no way it could be charged off again in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to open a dispute online with at my.Equifax.com, but the account was listed as Currently Under Dispute, which was incorrect, and prevented me from opening my dispute online. 

On XX/XX/XXXX, I called Equifax, explained the issue, and they opened an investigation. On XX/XX/XXXX they closed the investigation and claimed the creditor had verified the information as correct. 

On XX/XX/XXXX I opened a new investigation and provided a copy of the XXXX showing the account had been settled in XXXX and I paid taxes on the amount that was charged off in XXXX. They closed the investigating on XX/XX/XXXX, restating the creditor had verified the info as correct. 

On XX/XX/XXXX I called XXXX XXXX and they confirmed the account had been charged off in XX/XX/XXXX and they had not reported any updates on the account to Equifax since XX/XX/XXXX. They stated this was definitely an error on Equifax 's end because the account was not charged off in XX/XX/XXXX, and they had not communicated with Equifax about the account since XX/XX/XXXX. They said they would email me this in writing as proof in my dispute with Equifax. 

On XX/XX/XXXX XXXX XXXX did send me a document via email, but it only stated the account was listed as " settled ''. It did not contain any of the dates we spoke about on the phone and did not constitute " proof '' that Equifax had made an error. 

On XX/XX/XXXX I opened my third dispute with Equifax, again submitting the XXXX from XXXX, and the document XXXX XXXX had just provided. Equifax closed this dispute on XX/XX/XXXX, again stating that creditor had verified the information as accurate. 

It doesn't seem possible that my payment history on the account could show as No Data Available in every month since XX/XX/XXXX, and then suddenly show as Charged Off in XX/XX/XXXX, even though the XXXX XXXX charge off wasn't listed on my credit report until XX/XX/XXXX. 

It also seems unlikely that Equifax 's claim that the creditor is verifying the information is entirely accurate, since the creditor is telling me that Equifax is mistaken and that XXXX XXXX 's records show that Equifax received their last update for this account on XX/XX/XXXX. 

XXXX correctly lists the account as charged off in XX/XX/XXXX, and XXXX has already dropped this trade line from my report for being too old to continue reporting. 

By dating the charge off as XX/XX/XXXX it is now seen as a " recent delinquency '' and hurting my Equifax credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : check {$1800.00} for {$3100.00} issued to XXXX XXXX. My USAA bank, misread the amount, and only paid him {$310.00}. I called many times. Finally, on XX/XX/XXXX, they issued a 'bank ' check adjustment to XXXX XXXX bank ( XXXX XXXX  ), for {$2700.00}. XXXX XXXX NEVER GOT THE BALANCE. NEVER. He showed me his mobile bank account. 
USAA debited MY account for the {$2700.00}. 
XXXX XXXX came to my door, asking for the rest of the money. It had now been XXXX MONTHS! He never got the previous money, before XXXX or XXXX! He was angry. Rightly so. 
I had to give him a another check, personally, for {$2700.00} ( ck # XXXX ) on XXXX XXXX. 
I am now out almost {$6000.00}! 
Usaa is still saying they sent the money XX/XX/XXXX, and it's now HIS bank 's problem. 
THIS IS NOT MY PROBLEM. THIS IS NOT XXXX XXXX PROBLEM. 
I WANT THE EXTRA {$2700.00} REFUNDED. 
I have NO IDEA, where USAA sent the check adjustment. I am not a private bank XXXX. 
THIS IS 100 % THE BANK 'S PROBLEM. My bank was supposed to put a 'stop payment ' on the XX/XX/XXXX check adjustment. Now they say they can not get the money back, and i have now DOUBLY PAID XXXX XXXX! XXXX XXXX is NOT happy. He waited > XXXX months to get paid. I'm not happy, because i have now spent hours trying to fix this problem, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: WI

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. 

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 XXXXXXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Comerica
State: OH

Complaint narrative:
The XXXX  should have gotten my signature for my direct express ssa card but found side on house empty envelope XX/XX/2024 at XXXX says was delivered can't call to get replacement for bussy and has all my money XXXX XXXX XXXX XXXX XXXX and need it worth {$3000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 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: MN

Complaint narrative:
CFPB XXXX : 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 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 2024-02-03 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: FL

Complaint narrative:
I looked at my report back in XX/XX/2021 and noticed some things that were reporting incorrectly. I sent multiple letters to Experian asking them to validate these accounts ( XXXX account # XXXX  and XXXX/ XXXX XXXX account # XXXX  ) and to investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). They did not respond, nor did they provide the requested information, which is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ). 

Here are all of the tracking numbers for all of the multiple attempts I have made to correct the information reporting incorrectly on my report : XXXX XXXX XXXX XXXX As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!

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 2024-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Empire Home Loans, Inc.
State: WA

Complaint narrative:
My wife and I worked hard applying, communicating, and getting the insane amount of documents submitted to XXXX XXXX to be preapproved for a home loan. I was preapproved and soon after, on XX/XX/XXXX with XXXX XXXX with Empire Home Loans, I was excited to put an offer in on a home. It was a perfect fit for my wife and XXXX XXXX XXXX daughter. I sent an email that night on XX/XX/XXXX. I didnt hear anything and didnt want to lose the house so I sent a text in the morning of XX/XX/XXXX. She then sent me an email saying she received my email after XXXX and text, and that my wife and I should seek out a different lender and it was a pleasure working with us. She dropped us the moment I wanted to put an offer in. I have the entire email chain and screenshots. The loan preapproval was for XXXX. I begged her for mercy since she was the only person we applied with and had our entire portfolio which was truly so much work to get put together. She sent a follow up email laying groundwork on what we can do to continue working with her. I didnt get the house , and sought out a different MLO. Its one of the most malicious things my family has ever been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The U.S. law that governs credit bureaus reporting UCC ( Uniform Commercial Code ) filings is the Fair Credit Reporting Act ( FCRA ). The FCRA sets the guidelines for how credit reporting agencies can collect, maintain, and report consumer credit information, including UCC filings. UCC filings are typically made when a creditor has a security interest in a debtor 's personal property. The FCRA requires credit bureaus to provide accurate and up-to-date information to consumers and allows individuals to dispute any inaccurate or incomplete information on their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The U.S. law that governs credit bureaus reporting UCC ( Uniform Commercial Code ) filings is the Fair Credit Reporting Act ( FCRA ). The FCRA sets the guidelines for how credit reporting agencies can collect, maintain, and report consumer credit information, including UCC filings. UCC filings are typically made when a creditor has a security interest in a debtor 's personal property. The FCRA requires credit bureaus to provide accurate and up-to-date information to consumers and allows individuals to dispute any inaccurate or incomplete information on their credit reports.

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 2024-02-03 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: GA

Complaint narrative:
I have reached out to the company about the inaccuracies that are being reported on my consumer file with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX on XXXX, XX/XX/XXXX The following account XXXX XXXX XXXX account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is reported as a debt buyer with a last active date of XX/XX/XXXX. 

The following account XXXX  with account # XXXX with a balance of {$800.00} on my Transunion file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

The following account XXXX XXXX XXXX with account # XXXX with a balance of {$800.00} on my XXXX file. The original creditor is XXXX XXXX. This account is being reported as an open account with a last active date of XX/XX/XXXX. 

This indicates inaccurate reporting which is in violation to the USC 1681 which states that I have the right to accuracy and fairness.

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 2024-02-03 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: NY

Complaint narrative:
I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to XXXX requesting for reinvestigation unfortunately the issue remains unresolved to this day. 


Equifax : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

XXXX 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Please remove it from my credit report.

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

9. The inquiry was not authorized XXXX XXXX - Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: IL

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian XXXX and XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately and update the 4 late payments on my XXXX XXXX  to never late paid as agreed. in accordance with the FDCPA.

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 2024-02-03 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: CA

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

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 2024-02-03 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute and request validation for several items on my Experian credit report. I am a real person with no help. I have experienced difficulties in accessing my report, and upon successful access, the information provided seems inaccurate. 

Enclosed is a dispute letter addressed to Experian, outlining my concerns and the specific details I am seeking for each account. I have previously sent this letter to Experian multiple times without receiving any response. 

The list of accounts in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your assistance in facilitating a resolution with Experian and ensuring that the necessary investigations are conducted. Please see the attached dispute letter for your reference. 

Plus my personal information is still wrong. 

Thank you for your attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-02-03 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: DC

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 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