vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: GA

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 unverified 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 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a joint savings account with Wells Fargo and attempted to pay my Property Taxes with it on XX/XX/year>. 

I had no statements from this account or notices, other than a balance sheet, and knew the balance was about $ XXXX and would cover the $ XXXX payment. 

I received a letter from the XXXX XXXX Office of the Treasurer and Tax Collector dated XX/XX/year> saying the payment was returned and the account was closed. The penalty for this was {$740.00}.

I called Wells Fargo, they told me to go in branch, I spent two hours waiting to speak with someone in branch and was finally told to speak to someone on customer service.

I've since spoken to five people with different information and no one willing to send me documentation about the account, and claiming statements are unavailable.

One representative told me the account was sent to the state b/c of no activity for five years, which isn't possible as I have records of deposits.

The next representative said she saw nothing of that nature and the account was in good standing.

I asked for statements or written communications from every person I spoke to. 

The XXXXXXXX XXXX  Office of the Treasurer will not consider an appeal without documentation from Wells Fargo. 

I am attaching the Notice from the Office of the Treasurer, the interest payments from WF in XXXX, showing my account was open and earning interest, the letter I got from Wells Fargo ( showing they had my address and could send me communications regarding my account, this letter also shows that they had not blocked my account on XX/XX/XXXX as they indicated to the County/Office of the Treasurer and instead their mistake has cost me a penalty fee ).

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 2025-01-31 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: MA

Complaint narrative:
Im filing a complaint against equifax for failing to properly investigate my disputes regarding innacuracies on my credit report. As a result of the failed investigation there is a severe decline in my equifax report over the course of a month with no recorded data stating the reasoning of the adjustments on my account. This practice violates the FCRA AND THE CFPA as highlighted in the recent administrative proceedings. I am requesting that the CFPB take action to ensure equifax complies with the federal law and provides me with the necessary documentation of investigations and alterations. The accounts ive listed as inaccurate are as follows : XXXX  XXXX bank XXXX reported balance of {$XXXX}, XXXX Bank reported at {$XXXX}, and XXXX XXXX at a reported {$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 2025-01-31 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: MA

Complaint narrative:
Im filing a complaint against equifax for failing to properly investigate my disputes regarding innacuracies on my credit report. As a result of the failed investigation there is a severe decline in my equifax report over the course of a month with no recorded data stating the reasoning of the adjustments on my account. This practice violates the FCRA AND THE CFPA as highlighted in the recent administrative proceedings. I am requesting that the CFPB take action to ensure equifax complies with the federal law and provides me with the necessary documentation of investigations and alterations. The accounts ive listed as inaccurate are as follows : XXXX  XXXX bank XXXX reported balance of {$XXXX}, XXXX Bank reported at {$XXXX}, and XXXX XXXX at a reported {$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 non-monetary relief
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 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. S 1681c-2 ock. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-31 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: TX

Complaint narrative:
Transunion, Experian and Equifax 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, fraudulent or unverifiable accounts unresolved. The reported accounts on my profile has a lot of errors and dates and balances does not align with the other two bureaus which were fraudulently created. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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, Transunion and Equifax has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened XXXX XXXX account number XXXX date XXXX XXXX, and XXXX XXXX account number XXXX date XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I called LVNV Funding LLC and asked for a purchase agreement. They asked multiple questions but could not provide proof. I then called XXXX and asked them to verify 100 % accuracy and to verify the information was accurate and to make sure they can fully verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: MA

Complaint narrative:
Dear CFPB representative, I am reaching out to file a formal complaint regarding Teslas recent denial of the {$7500.00} Federal EV Incentive that was initially applied to my vehicle purchase. This unexpected reversal has created an unfair financial burden and seems contrary to the terms under which I agreed to the sale. 

When I placed my order in XX/XX/year>, XXXX included the {$7500.00} Federal EV Incentive as part of the purchase price, alongside the {$3500.00} Massachusetts State Discount. These incentives were clearly presented in Teslas own records, and I have attached supporting documentation, including screenshots from the Tesla app and payment receipts, which show that both discounts were confirmed at the time of purchase. 

However, Tesla later informed me that the Federal EV Incentive was denied and is now requiring me to refinance the vehicle to account for that amount. I had already made my first auto loan payment, and the contract was fully signed and approved. Despite my attempts to resolve this matter directly with Tesla, they have denied my request to honor the original incentive, leaving me no choice but to seek further assistance.

I respectfully ask your organization to investigate this matter and ensure Tesla adheres to fair business practices and consumer protection standards. This situation has placed undue financial strain on me and calls into question the transparency of Teslas sales process.

I appreciate your attention to this matter and look forward to your guidance. 
At the time of the transaction, the following discounts were applied and confirmed : Federal EV Incentive : {$7500.00} Massachusetts State Discount : {$3500.00} These discounts were crucial to my decision to purchase the vehicle and are documented in the attached records. However, I was later informed that the {$7500.00} Federal EV Incentive was denied. Following this, Tesla reportedly settled the outstanding financing Auto Loan balance with the XXXX XXXX, but I am now being asked to refinance the vehicle including the {$7500.00} amount. I find this unfair, as the discounts were a determining factor in my purchase. 



Below, I have outlined the payments made thus far for your reference : Payments to Tesla through different accounts : {$6400.00} via XXXX XXXX XXXXXXXX on XX/XX/year>. 

{$990.00} via XXXX XXXX on XX/XX/year>. 

{$35.00} via XXXX XXXX XXXXXXXX on XX/XX/year>. 



Payments to XXXX XXXX XXXXXXXX loan : {$610.00} via XXXXXXXX XXXX  on XX/XX/year>. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
I am writing to formally demand that Diversified Adjustment cease all communication with me regarding the above-referenced account, effective immediately, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This demand includes, but is not limited to, phone calls, letters, emails, and any other form of communication. Furthermore, I assert that reporting or continuing to report this account to any consumer credit reporting agency constitutes an indirect form of communication under the FDCPA. As such, this practice must also cease immediately. I am fully aware of my rights under the FDCPA, and I expect full compliance with this request. XXXX XXXX XXXX is still free to exercise any rights it may have under the law to enforce the debt through legitimate legal proceedings, should you choose to do so. However, any further attempts at communication outside these provisions will be considered a violation of the FDCPA and reported to the appropriate regulatory authorities. Please confirm in writing that you have received and will honor this Cease and Desist request. If I do not receive confirmation within 14 days of the date of this letter, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Thank you for your prompt attention to this matter. Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against OppFi regarding an account reported on my credit file under XXXXXXXX/OPPLNS XXXX. I recently reviewed my credit report while applying for a mortgage and discovered this account, which I do not recall opening or authorizing. 

My personal information has been compromised in multiple data breaches, and I filed an FTC Identity Theft Report over three years ago. I have attached documentation confirming these breaches. Given this, I am demanding full validation of this alleged debt, including my original signed agreement and a copy of my photo ID. 

Additionally, OppFi is reporting inconsistent and inaccurate information across different credit bureaus, including conflicting open dates, date last active, and balance amounts. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting.

I demand immediate validation of this debt or the removal of this unauthorized account from my credit report. Failure to comply may result in further action to enforce my consumer rights under federal law. I expect a prompt response
and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-31 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Letter was sent to company for debt Validation , Company can not validate debt and expressed it would be removed. Debt was removed from all credit reports. Although debt was then placed back on credit report by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent 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 explanation