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

Complaint narrative:
Complaint Description : I am filing this complaint against Experian for failing to properly investigate and remove inaccurate collections from my credit report, despite my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, credit reporting agencies ( CRAs ) are required to conduct a reasonable reinvestigation of disputed information and respond within 30 days ( or 45 days if additional information is provided by the consumer ). Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that, when a consumer disputes an item, the CRA must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and delete or modify the item if it can not be verified.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that, if an item can not be verified, the CRA must delete it from the consumer 's file. 
15 U.S.C. 1681s-2 ( b ) requires that furnishers of information ( such as debt collectors ) must also conduct their own investigation when a dispute is filed and report accurate results to the CRA.

Experian failed to remove or update these accounts, despite my dispute. Based on my rights under the FCRA, if the disputed information can not be verified, it must be deleted from my credit file. Since Experian has not provided verification but continues to report these collections, they are in direct violation of their statutory obligations under the FCRA. 

I am requesting that the CFPB investigate this matter and ensure that Experian complies with federal law by conducting a proper reinvestigation and removing any unverifiable information from my credit report. 

Thank you for your time and assistance.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-04 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:
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 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I already paid this debt and I no longer owe them anything. This collection is not accurate. I demand it to be removed immediately from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I've been communicating with Avant for several months in regard to the problems with login to my account. I can't login to my account on any browser private or non-private. I called several support numbers multiple times within the listed hours for today with either dropped calls or no responses. The numbers include ( XXXX ) XXXX and ( XXXX ) XXXX. I '' m unable to reach Avant to pay over the phone. I attempted to schedule a payment today through the app but the screen pauses at the next button after scheduling when and how to make payment. Avant has not responded to my most recent email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I sent a complaint to the credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently discovered an inquiry on my credit report that I do not recognize or recall authorizing. I never applied for credit with this company, nor did I give them permission to access my report. This unexpected and unauthorized inquiry is causing me stress and concern about how and why it 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 non-monetary relief
Consumer complaint received 2025-03-03 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: IN

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to two third parties. Experian and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Experian and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.

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

Complaint narrative:
Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to two third parties. XXXX and Transunion. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX and Transunion have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/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 TransUnion, XXXX, XXXX 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 Accounts : XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$20000.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX bal. {$17000.00}, XXXXXXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$940.00}, XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX, XXXXXXXX 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 


These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
Loan was transferred from XXXX XXXX XXXX M & T Bank XX/XX/XXXX. During this time I sent in the new home insurance of XXXX with XXXX. As of today XX/XX/XXXX XXXX has still not been paid and is threatening to cancel. I called again this afternoon XX/XX/XXXX and was told call back in a couple days. If XXXX is not paid by end of day on XX/XX/XXXX my insurance will be cancelled. Also my escrow account has been severely messed up also. At first it showed I had over XXXX dollars negative. Then it showed I has XXXX of positive funds. Then the next week it showed I has about XXXX dollars in the escrow. Now its XXXX dollars as off XXXX/XXXX/XXXX. Also it states that I owe over XXXX dollars a month in escrow when my total for the year for taxes and insurance is XXXX. And I just had an escrow anylasis done. Somewhere or somehow M & T bank is stealing money from me.

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 2025-03-04 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: AZ

Complaint narrative:
I am completely frustrated and disappointed with the continued errors on my report. These mistakes are lowering my score and preventing me from securing important financial opportunities. I should not have to deal with this over and over againit is completely unfair.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An amount of {$57000.00} was wired from Wells Fargo to an account of XXXX XXXX XXXX on XX/XX/year>, for a vehicle purchase. The vehicle was not delivered and a recall was initiated with Wells Fargo on XX/XX/XXXXXXXX XXXX XXXXXXXX he advertised website XXXX XXXX XXXX  was later determined a fraudulent as the website has gone offline since the recall. Between XX/XX/year>XXXX XXXX XXXX XXXX XXXX numerous attempts were made with a Wells Fargo banker to find out the status of the recall. When I finally spoke with the Wells Fargo banker in person, she told me I assumed the risk when I signed the wire transfer. She informed me she has initiated the recall process with Wells Fargo ; however, after three attempts from contacting the recipient bank ( BofA ), they had closed the case.

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

Complaint narrative:
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 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 2025-03-03 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: NY

Complaint narrative:
Experian credit bureau continues to report inaccurate and non compliant information on my credit report. It is reporting a charge off from XXXX XXXX XXXX but that is incorrect. The report is currently and presently stating there is a balance of {$670.00} past due as of XXXX XXXX also states and noted as a charge off ( {$670.00} written off ) This is inaccurate information. Every month Experian is indicating XXXX XXXX XXXX continuously and daily. I am REQUESTING an investigation in the inaccuracy. I have requested by certified mail a written notification and a notice to dispute the inaccuracy on my credit report on 3 separate occasions Experian has apparently violated my rights through the Fair Crefit Reporting Act with their non compliance and lack of due diligence in information verification. The presence of these inaccuracies directly violates the FCRA 's mandate for accurate and verifiable credit reporting. I am REQUESTING an investigation on this matter. I am filing a formal compliant against Experian credit bureau for reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation