vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-01-10 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7700.00}

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 2025-01-10 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/ 2025 and noticed some things are incomplete or in 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 general lf, 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 ( ii ) 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.

15 U.S.C. 1681B ( 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-10 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act.The List of account below has violated my federally protected consumer rights tp privacy and confidentially under 15 USC 1681.

Account Name # XXXX  Account Number # XXXX Account Name # XXXX  Account Number # XXXX Account Name # XXXX XXXX Account Number # XXXX Account Name # XXXX XXXX XXXX Account Number # XXXX Account Name # XXXX Account Number # XXXX Account Name # Credit Control Account Number # XXXX, has violated my rights. 


I looked at my XXXX credit report on XX/XX/year>2025 and noticed some things are incompleted 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 general, 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 the results of the reinvestigation; and ( ii ) 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.

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 2025-01-10 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: PA

Complaint narrative:
The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been In a constant battle with Experian with getting my information corrected on credit profile, for years now they have mixed my information with my twin sister credit profile and reports inaccurate information to profile all the time. I am now also having problems with them reporting inaccurate / fraudulent company on my credit profile and the have failed to do proper investigation in to company and to get my credit profile corrected. I do not owe XXXX XXXX XXXX and never had a balance with the alleged apartment complex on file ( XXXX XXXX XXXX ) that was cleared, I also provided direct proof to Experian and they have decided to do nothing about inaccurate information being reported.

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 2025-01-10 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: Credit Fresh Holdings Inc
State: TN

Complaint narrative:
I am writing regarding your attempts to collect a debt you claim I owe. According to correspondence I received from CreditFresh, this debt was transferred to XXXX XXXX XXXX XXXX XXXX, and not to your organization. Therefore, you have no legal right to collect this debt or report it to the credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately cease all collection activities related to this debt. Furthermore, if you have reported this debt to any credit reporting agencies, I demand that you retract those reports as they are inaccurate and unauthorized. 

Continued attempts to collect this debt or failure to remove inaccurate credit reporting will result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible civil litigation. 

Please confirm in writing within 15 days that you have ceased all collection activities and corrected any erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
Equifax has Conducted Sham Investigations on My Equifax Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law. 
XXXX XXXX for XXXX XXXX XXXX Georgia XXXX XXXX Equifax Inc. XXXX XXXX XXXX XXXX XXXX ; Case XXXX My file keeps showing over time FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) I have informed Equifax multiple times that the entries below are erroneous and fraudulent. 
XXXX XXXX $ XXXX/Opened XX/XX/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 NC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand Equifax to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING PSYCHOLOGICALLY HARASSED. 
Failure to comply with the FCRA and other applicable laws may result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ). Additionally, I reserve the right to report Equifaxs non-compliance to the following agencies : Consumer Financial Protection Bureau ( CFPB ) ; Federal Trade Commission ( FTC ) ; Attorney General of North Carolina.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today Wells Fargo contacted me to sign modification listed in the complaint the letter said I had until XXXX. They want to send a mobile notary Im distressed to have sign at this point they not listening and denied my application refinancing. 

XXXX of XXXX I requested a refinance equity with cash out I was denied stating that that department was closed due to an internal covid process no Wells Fargo 's customers was allowed to apply for refinance nor get equity as a home I was under a modification which I knew I was not going to be able to make that payment for the month because of a XXXX  and I had to pay for an emergency XXXX in my XXXX I advise Wells Fargo 30 days prior and also advise them within the next XXXX months I will be making a double payment to make up for that payment I was told that go ahead and miss that Mom the modification will be voided and I will be placed back through modification and place back on the modification that I was on this didn't happen I was forced to pay {$950.00} for the last 3 months on a trial modification which I told them I could not afford that I paid the XXXX on the XXXX as usual on for the last 3 months and by the XXXX I sold personal items pawn what I could pawn to come up with the {$200.00} I was in communication with them Wells Fargo every month advising them that I was having very much difficulty making that payment and how did they come up with that amount when I'm on social security disability my income is not it's half of what it was when I bought my home back in XXXX I feel like an exception should been considered and I also requested that a complaint was submitted a couple of months ago on the exact issue the problem is the reply from Wells Fargo they advised that I was under the modification of {$770.00} that's been signed in black and white and that is not true the modification is still in place I was forced to pay a modification that was not in writing for the last 3 months or I will be pushed into foreclosure and or my review for a modification would be voided I have the proof that I paid them {$950.00} for the last 3 months they did not comply with the {$770.00} modification that's on file as they indicated to you in their answer of the previous complaint Attachments

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CA

Complaint narrative:
I've reached out to Discover Card regarding a fraudulent application in my name. Discover investigated the matter and told me that the investigation was in my favor. However Discover hasn't updated its system as I'm being held still responsible and the system isn't recognizing that the account isn't mine. Discover is refusing to update its internal system to reflect the disputed fraudulent account. This error is affecting my ability to apply for discover products as its system thinks I have a bad past debt with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenued LLC
State: WA

Complaint narrative:
We defaulted on a credit card we setup daily payments to resolve with the debt collection company as well as paying lump sum of XXXX $ to catch up they have a levy against our account with XXXX where by they received our payments done XX/XX/XXXX they never contacted me again until last year XX/XX/XXXX now they want another XXXX $ this should have been resolved long ago they even stopped the daily draws in XX/XX/XXXX look like they try to get more money now when we have already paid back the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received a {$1000.00} American Express ( Amex ) gift card from a business associate in late XX/XX/XXXX. On XX/XX/XXXX, I attempted to use the card to make a purchase on XXXX Despite the balance being more than sufficient to cover the expense, the card was not accepted at checkout. 

I contacted the retailer 's help chat for assistance and was informed that XXXX does not accept this type of gift card directly. However, they advised that the card could be added to a XXXX account and used indirectly. I attempted to add the card to XXXX, but the process was declined because my name and address are not associated with the card. 

Following the instructions printed on the back of the card, I visited the provided website for help. The site confirmed the card 's balance as {$1000.00} and suggested that I use " my name and address '' for the card during transactions. However, no further guidance was provided, and the card still could not be added to XXXX. 

There is no phone number listed on the card for customer supportonly a number to check the balance. This lack of support has left me unable to use the gift card, despite it being active and loaded with funds. 

I am requesting the CFPB 's assistance in resolving this issue with American Express, ensuring that I can use the gift card as intended or receive further instructions for a resolution.

Company response to consumer: Closed with monetary relief