vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am 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 Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. XXXX ) 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. 

RE : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Good Evening! 


I had a loan with chase auto finance for a XXXX XXXX XXXX. My car was repossess, but I was able to pay off the charge off of the told final amount. The amount was XXXX and something. I finished paying it off somewhere in XX/XX/XXXX. When I was applying for a mortgage loan this year, my mortgage loan was denied. One of the reasons was my auto account with Chase was still open and saying I needed to pay {$5000.00} and something, but the account should be closed now. And they affected my mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: NC

Complaint narrative:
You noticed a debt account ( LJ Ross, Account # XXXX ) posted to your credit report without receiving any prior notice via mail or phone. To address this, youre sending a debt validation letter to request proof of the debt and ensure its legitimate before taking any action. This is your right under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is the most unhonorable financial institution, Ive asked for transcripts of phone calls of my calls with 4 customer service reps and one in claims dept. I had requested a stop payment on a merchant btrlink for an authorization transaction in someone elses name, on 3 separate occasions starting in XXXX, than twice in XX/XX/XXXX, when Wells Fargo allowed the transaction to go through in XXXX and on XX/XX/XXXX, I didnt notice the transaction until XX/XX/XXXX, when I was XXXX from the hospital after XXXX, I called WF to discuss the matter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I informed them that the merchant was returning the funds and it was an error on their end, each one of those CS reps said that the Overdraft fees accrued on XX/XX/XXXX, would be reversed and so did the claims dept, all these calls were recorded Im not making things up, The funds returned by the merchant posted today, which was an error and had 3 stop payments on previous, WF customer service refused to reverse the 3 overdraft fees that wouldnt accessed if the unauthorized transaction in another persons name and with a stop payment in place WF didnt let go through, when I informed the claims dept of the merchants error and the funds being returned they cancelled my claim! Wells Fargo leads you to believe our claims are baseless but they also deny requests that could prove otherwise. Im permanently XXXX on SSI and in the past XXXX weeks over {$400.00} went to Wells Fargo overdraft fees, to change banks will lead to delays in SSI funds that is my only financial source of income! Im sure just like the last complaint theyll type up an excuse in a nice letter with big words and no proof to back it up! I request the transcripts of the phone calls from XX/XX/XXXX through to XX/XX/XXXX, between myself and WF customer service

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I am writing to report a discrepancy in how my student loan balances are reported on my credit files with XXXX and XXXX. Upon reviewing my credit reports, I noticed that XXXX reports all older student loan accounts as having a {$0.00} balance, while XXXX reflects different balances for the duplicate accounts. 

This inconsistency concerns me as I am currently enrolled in school and actively managing my student loans. It is critical that my credit reports accurately reflect my financial status. 

I kindly request that this matter be investigated and that any necessary corrections be made to ensure consistency and accuracy in how my student loans are reported across all credit bureaus. Please let me know if additional information or documentation is needed, and I will promptly provide it. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
Under XXXX USC XXXXi ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
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 2025-01-23 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: CBC Companies, Inc.
State: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT TO FCRA SECTION 605B ALL FRAUDULENT INFORMATION MUST BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked why there are two different credit card reporting on the same card and they was never removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: NC

Complaint narrative:
I do not owe this bill. 
I do not recognize this charge. 
I do not recognize this company. 
My information was given to this collection agency without my permission. 
In addition, medical bills are not allowed on my credit report. 
This bill is reporting to all three credit reports. 

This account has caused me to be denied credit. 

Account Name PROFESSIONAL FINANCE COM Account 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 2025-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the accuracy of several accounts on my report on XX/XX/2025, via the CFPB website report # XXXXXXXX and sent direct mail to them of the dispute. Experian returned with their canned computer-generated response on XXXX but failed to complete the investigation and today is the XXXX of XXXX. Under the FCRA, credit bureaus are obligated to investigate disputes within 30 days of receiving a consumers dispute. They must also provide the consumer with the results of their investigation in writing. If they fail to complete the investigation within this time frame, the disputed item must be removed from the credit report. This has not happened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I XXXX XXXX that no proof of the alleged debt, nor therefore any such bankruptcies, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I XXXX XXXX that no proof of the alleged debt, nor therefore any such bankruptcies, 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 explanation
Consumer complaint received 2025-01-23 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: MD

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. 

These are the following accounts that have been inaccurate. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I am writing to dispute the accuracy of certain information on my credit report, as provided under my rights in the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ). I request that you investigate and correct the inaccurate or incomplete information promptly. Under the FCRA, you are required to investigate disputes, verify the accuracy of the information, and correct or remove any unverifiable or inaccurate data from my credit report, due to data breach by credit bureau. I kindly request a written response detailing the results of your investigation and any corrections made. If your investigation confirms the disputed information, please provide me with the name, address, and telephone number of the creditor or data furnisher who verified the information. Per the FCRA, this investigation must be completed within 30 days of receipt of this letter. Failure to comply may result in additional actions to protect my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MT

Complaint narrative:
Well originally I sent correspondence to XXXX after the debt validation process done on my alleged account at XXXX XXXX XXXX XXXX. They were not able to validate any debt or state their claim of Interest. Therefore I took the whole package and sent it to XXXX to show that the account at XXXX XXXXXXXX XXXX XXXX should not be reported on anymore because it was not a valid debt. After this they did not do a proper investigation nor did they give me the details and it came back verified. Then again I disputed that account as well as an XXXX XXXX XXXX account as well that was not valid on my Consumer Report nor did I give either of these companies permission to report my information nor did I give XXXX XXXX or permission to report my private information. After I disputed this online through the means that they provide on their website once again it came back verified with no details of the investigation nor a proper investigation done. I made it clear that they did not have the authority to report this information because I did not give it. I also told them to remove any names that were not mine or any addresses that was not my current one. On XX/XX/XXXX they responded by saying everything was verified and they did not remove the names that were not associated with me nor did they remove the addresses. I found that they violated XXXX USC XXXX section 2 because they were reporting the exact thing that was supposed to be excluded from My Consumer Report which contained information solely as to the transactions or experiences between the consumer me and the person making the report. I also found that they were in violation of section 2 ( e ) when they do not do a proper investigation by the means explicitly and clearly explained in the Fair Credit Reporting Act. I also found that they were in violation of section 2 ( i ) by furnishing improper and invalid information as to corrupt my identity and reputation. They were also in violation of section k ( 1 ) and ( 2 ) ( i ) for reporting false and misleading information that affected my ability to get a loan because of a stain on my creditworthiness. During this time I attempted to get a loan for a new truck as well and I was denied based upon the false and misleading information they were reporting in My Consumer Report that was not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MT

Complaint narrative:
Well originally I sent correspondence to XXXX after the debt validation process done on my alleged account at XXXX XXXX XXXX XXXX. They were not able to validate any debt or state their claim of Interest. Therefore I took the whole package and sent it to XXXX to show that the account at XXXX  XXXX XXXX XXXX should not be reported on anymore because it was not a valid debt. After this they did not do a proper investigation nor did they give me the details and it came back verified. Then again I disputed that account as well as an XXXX XXXX XXXX account as well that was not valid on my Consumer Report nor did I give either of these companies permission to report my information nor did I give XXXX XXXX or permission to report my private information. After I disputed this online through the means that they provide on their website once again it came back verified with no details of the investigation nor a proper investigation done. I made it clear that they did not have the authority to report this information because I did not give it. I also told them to remove any names that were not mine or any addresses that was not my current one. On XX/XX/XXXX they responded by saying everything was verified and they did not remove the names that were not associated with me nor did they remove the addresses. I found that they violated XXXX USC XXXX section 2 because they were reporting the exact thing that was supposed to be excluded from My Consumer Report which contained information solely as to the transactions or experiences between the consumer me and the person making the report. I also found that they were in violation of section 2 ( e ) when they do not do a proper investigation by the means explicitly and clearly explained in the Fair Credit Reporting Act. I also found that they were in violation of section 2 ( i ) by furnishing improper and invalid information as to corrupt my identity and reputation. They were also in violation of section k ( 1 ) and ( 2 ) ( i ) for reporting false and misleading information that affected my ability to get a loan because of a stain on my creditworthiness. During this time I attempted to get a loan for a new truck as well and I was denied based upon the false and misleading information they were reporting in My Consumer Report that was not valid.

Company response to consumer: Closed with non-monetary relief