vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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 to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, excepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing ongoing harm to my standing. I am requesting immediate corrective action to amend or remove the disputed accounts, as Experians inaction violates federal laws 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear [ Wells Fargo XXXX Department XXXX XXXX XXXX XXXX XXXX ], I am writing to report a fraudulent ACH payment made from my Wells Fargo account to XXXX XXXX. The payment was processed on [ date ], and I believe it was unauthorized and made while I was on XXXX potentially due to fraud. 

Here are the details of the transaction : Amount of Payment : {$140.00}, XXXX Date of Payment : Since XX/XX/year> to XXXX XXXX XXXXcipient : XXXX XXXX Transaction Reference Number : Different Transactions Case Issue : XXXX My Account Number : XXXX of your Wells Fargo account or card number At the time of the transactionXXXX XXXX XXXX XXXX XXXX and did not authorize or initiate the payment. I believe this was a fraudulent activity. I kindly request an immediate investigation into the matter and, if possible, a reversal of the payment. 

Please also take any necessary actions to secure my account and prevent further unauthorized transactions. I am available to provide any additional information or documentation needed for the investigation.

Wells Fargo State the following : I '' m not report this on time.

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: PA

Complaint narrative:
In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : 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 XXXXXXXX 15 USC 1681 section 602 A States I have the right of privacy .

15USC 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

15USC 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 2025-01-14 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: PA

Complaint narrative:
In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : 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  15 USC 1681 section 602 A States I have the right of privacy .

15USC 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.

15USC 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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Billing problem account doesn't match how much I have paid problem with fees Too high of an interest rate was not aware of the interest rate being harassed by phone calls, texts, emails etc Not over due on payment this creditor doesn't allow you to pay ahead or skip payment even if you are ahead on your loan. 
This creditor doesn't allow auto payments, weekly, monthly end if you set it up it possibly it still wont come out doesnt allow you to just pay the principle, doesnt keep your information in the computer charging additional fees and don't know what for thing I'm being charged late fee 's and I am not late on a payment, I paid month ahead they expect you to pay every month regardless if you pay ahead and call text email you if you don't pay this is causing XXXX  and stress for no reason and the pressure to pay even if you have paid ahead they said I could skip decemeber and wasn't able to said I could make a partial payment and wasn't able to, partial payment is the full amount. no way to save your payment information or make auto payments. Website needs updating and options to pay multiple ways, principle only options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Bankruptcy Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a bankruptcy entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including bankruptcy filings, must be removed from a credit report after a specific period of time. The presence of an outdated or inaccurately reported bankruptcy entry violates my rights under federal law. 

The bankruptcy in question has either surpassed the legally allowed reporting period or is inaccurately reported. I request that you investigate and, if necessary, remove this bankruptcy entry from my credit report to comply with the provisions of 15 U.S.C. 1681c ( a ).

Under this section of the FCRA, consumer reporting agencies are prohibited from reporting bankruptcy cases that are older than : 10 years from the date of filing for XXXX XXXX XXXX.

7 years from the date of discharge for XXXX XXXX XXXX.

The presence of this bankruptcy on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Bankruptcy cases under XXXX XXXX must be removed from the credit report after 10 years from the date of filing. 
Bankruptcy cases under XXXX XXXX  must be removed after 7 years from the date of discharge. 
Other adverse information, such as charge-offs and collections, must generally be removed after 7 years from the date of the original delinquency. 
The law ensures that outdated and damaging information does not remain on a consumer 's credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

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 2025-01-14 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:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ 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 XXXXXXXX ] are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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. 

Check the attachments below.

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 2025-01-14 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The dates are XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These XXXX XXXX orders were to XXXX XXXX XXXX, XXXX on the XXXX XXXX XXXX. I provided Navy Federal Credit Union and other credit card agencies complete endorsed copies of the orders. I requested Navy Federal Credit Union under the law, SCRA. All of my creditors ready reduce the credit card interest and associated charges while I was on orders. For 10 months Navy Federal Credit Union refused to answer my request. Stating it was reviewed. In regards to the other creditors, their response was in weeks. Navy Federal Credit Union has come back and stated they will not reduce the credit interest. If the interest and compounded charges as per SCRA would have been applied the balance would have been paid in full by now. Some of my colleagues that were XXXX with me asked Navy Federal Credit Union for the same thing as per SCRA and received credit card reductions. I find their practices and behavior unacceptable. Please FOIA all of the SCRA Requests done and note the amount of requests and the amount of approval granted by Navy Federal Credit Union along with the race that was approved and was not approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NV

Complaint narrative:
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 XXXXXXXX, has violated my rights. 
I looked at my credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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. and according to 15 USC 1681s-2 they are suppose to 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. 

These car loans are from the same car that was sold for market value of the car worth at an auction for what the car was worth and there charging me for the price that was sold to me. They never reached out out to me to see if I wanted to buy the car at its current market price.

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 2025-01-14 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 XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Account with XXXX XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the reporting of the following account on my credit report, as the information is inaccurate and improperly investigated in violation of the Fair Credit Reporting Act ( FCRA ) : Account Details : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Status : Charged off. {$65000.00} written off and {$65000.00} past due as of XX/XX/XXXXXXXX XXXX 
Balance Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX The reported status of this account as charged off is misleading and inaccurate under federal law. Per IRS guidelines, written-off debts are considered income to the creditor and result in the issuance of a 1099-C form. Once a debt has been written off as income by the creditor, it can not continue to be reported as delinquent or charged off on my credit report. 

Additionally, I previously disputed this item with Experian, and it is clear that a proper investigation was not conducted. Under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit bureaus are required to conduct a reasonable investigation for all disputes. As Experian is currently facing legal action for improper dispute handling, I believe my case falls under this lawsuit due to the failure to address my original dispute appropriately. 

I am requesting the following actions : 1.A thorough reinvestigation of this account and its accuracy under the FCRA and CFPB standards.

2.Immediate removal of this account from my credit report if the information can not be verified.

3.Documentation of the investigation process and the results.

To assist with your investigation, I have enclosed copies of the relevant portions of my credit report and supporting documents. 

I expect a written response to my dispute within the 30-day timeframe mandated by the FCRA. If Experian can not verify this information as accurate, the account must be deleted from my credit file immediately. 

Thank you for your attention to this matter. I look forward to your prompt resolution and a written update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I feel much back. I recognize some activity on my credit bureau such as inquiries and attempted to purchase things that I have not authorized on my credit bureau. I called and I added a fraud alert on my credit bureau today XX/XX/year>. I called the credit bureau to remove the freeze And amongst the security questions theyre asking me there is invalid information theres names or a name of a XXXX XXXX that has nothing to do with me so theyre double victimizing me. XXXX trying to get into my account so I can remove a fraud alert and I cant get past this XXXX branch name because he doesnt that person has nothing to do with me. Ive made XXXX cars to the Trans Union today and I also attempted to do it on the website and Ive been locked out of the website twice.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing this letter to bring to your notice the following information added to my credit report. A lot of the reports on my credit report is falsely added to my credit report without my prior knowledge. The mentioned details are incorrect, and I request that you revise the report after due diligence. I request that you clear my credit report as soon as possible to help me continue my business. I am attaching the required documents with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and have noticed fraudulent accounts on my report. Please remove these accounts immediately, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ALCHRO INC.
State: FL

Complaint narrative:
Debt collection agency making harassment against me with a letter that I never hand signed

Company response to consumer: Untimely response