vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because Experian is reporting one bankruptcy on my credit reportXXXX XXXX ( filed XX/XX/year> ) that I believe is inaccurate and unverifiable. I received a letter from the bankruptcy court confirming they do not provide information to credit reporting agencies, which indicates that XXXX has not properly verified this information. Despite my request for an investigation and removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), these inaccurate items remain on my report, negatively affecting my 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 explanation
Consumer complaint received 2025-01-27 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I submitted a dispute as advised by XXXX XXXX on XX/XX/XXXX for the validation of the debt owed to Penn Credit Corporation since I had no knowledge of this account, on XX/XX/XXXX I received an un-dated letter stating my debt was verified but not validated. I requested full debt validation documents which constitutes legal validation, the documents requested were as follows : -Complete payment history, the requirements of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX. For the entire amount of which allegedly owe obtained directly from the original creditor. 
-Date of last activity -My full, complete, and correct social security number that may help identify me as the correct person this debt should be collected from. 
- Agreement that bears the signature of the alleged debtor wherein I agreed to pay the original creditor -The obligation between myself and Penn Credit Corporation that allows collection of the alleged debt and any transactions between myself and Penn Credit Corporation XXXX binds me to an agreement to pay Penn Credit Corporation -Proof of US Government issued photo identification that was presented at the time of incurring this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
Equifax is not doing their job. I live in California. Please delete everything on this report not from California its not mine. Due to the data breach this is not good. 

15 U.S. Code 1681i is a law that requires consumer reporting agencies to investigate disputed information in a consumer 's file. The law ensures that consumer reporting agencies are fair and impartial in their handling of consumer information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I am writing to formally file a complaint against TransUnion regarding their handling of inaccurate information in my credit report. Specifically, I believe TransUnion has violated consumer protection laws by enabling debt collectors such as XXXX XXXX XXXX and XXXX XXXX  to continue reporting on debts they have failed to properly verify and debt that include unfair, inaccurate and misleading information despite having filed multiple complaints with over the years. These credit reporting agencies have failed implementing protocols that protect consumers, and continue reporting on disputed debts without properly investigating disputes : This makes it easier for debt collectors to use unlawful tactics to target, abuse and damage consumers credit worthiness while knowingly violating consumer protection rights The following issues highlight my concerns : - 15 U.S.C. 1681i ( a ) ( 1 ) : This section requires consumer reporting agencies to conduct a reasonable investigation of any dispute concerning the completeness or accuracy of any item of information contained in a consumer 's file.

- 15 U.S.C. 1681i ( a ) ( 6 ) : This mandates that after a reinvestigation, if the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must promptly delete the disputed information from the consumer 's file or modify it as appropriate. 
- 15 U.S.C. 1681g : This requires consumer reporting agencies to provide the consumer with a notice of the results of the reinvestigation, including the specific reasons for the determination when the reinvestigation does not result in a change to the consumer 's file.

Unethical Acceptance of Furnisher data : Seems to rely solely on furnishers responses without verifying their accuracy, even when the information conflicts with the evidence provided. Also, failure to properly investigate Disputes : Inadequate investigations into disputes I filled as the inaccurate information remains on my report despite clear evidence provided These practices not only harm my financial standing but also undermine the protections afforded by the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws put in place to prevent these abuses by unethical and questionable debt collectors like XXXX XXXX XXXX, XXXX XXXX, XXXX among others. I request CFPB put a stop to these matters and hold these bad actors accountable for any violations of consumer rights.

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 2025-01-27 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: MO

Complaint narrative:
Experian and XXXX 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, XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, 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, and XXXX inaction violates federal law and my rights as a consumer. Accounts : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NC

Complaint narrative:
I am writing to formally express my concern regarding my ongoing efforts to obtain a copy of my credit report from LexisNexis. After falling victim to identity theft, I have been thoroughly reviewing all my credit reports to ensure their accuracy. 

I initially requested my credit report online through your platform, but I did not receive a copy. Following this, I contacted the customer service team, who instructed me to submit a copy of my identification card, proof of address, and Social Security Number through your website, XXXX XXXX XXXXXXXX. I promptly complied with these instructions and submitted all the required documentation. However, I have still not received my credit report. 

This delay is causing me significant frustration, as it is imperative for me to review my credit report to ensure all the information is accurate and to address any potential issues stemming from the identity theft incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Today XX/XX/year> i get an email notification ( XXXX ) from wellsFargo saying my accounts were being closed! No call no warning no questions just hey we are closing your account! 
The email states one of the transactions sent to my account was reported as unauthorized. This is complete XXXX! I am just starting a new business I've had a few investors send {$100.00} to me and a couple others wire me money. There was one for {$100.00} i didn't recognize but i saw that they had flagged it last night through zelle. I didn't pay much attention to it because they said its under review. I saw that same name send me {$100.00} so i assumed everything was fine because i trusted Wells Fargo to keep everything secure. Until i saw those emails telling me my account is being closed and my online access is being blocked! I have a large investor sending {$5300.00} today that's already scheduled so i can't stop it. That investor will pull after he sees that my account has issues. They have cost me XXXX plus more! I can't believe they just close my account because someone reports it?!? Like no investigation no nothing??

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 2025-01-27 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: NC

Complaint narrative:
I am filing a complain against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating that the account is inaccurate, without providing any evidence of a thorough investigation.

This action violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides customers with the necessary proof of investigation.

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 2025-01-27 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: CA

Complaint narrative:
I opened an XXXX XXXX XXXX card with a limit of {$3100.00}, used it responsibly, and made all my payments on time. A few months later, I received a letter from XXXX stating that my account would be closed. When I called to inquire about the reason, they would not provide an explanation. I filed a complaint and eventually received a response stating that the account was being closed due to a " past account '' with them from around 2012. I insisted that they open a fraud investigation, as I had never had an account with them before, which they agreed to. However, in the meantime, my account was still closed. I paid off the balance in full shortly after learning of the closure. 

Later, I received a letter confirming that I was not at fault, and the " previous account '' was determined to be fraudulent. They also stated that all negative history related to this account would be removed from my credit report. Despite this, I expressed my dissatisfaction with the account closure, as it was no fault of mine. XXXX refused to assist, and when I asked for help removing the current account from my credit report, they informed me that my account had been purged from their systems and they could do nothing further. 

Under the Fair Credit Reporting Act ( FCRA ), it is illegal for any company, including XXXX, to report inaccurate or misleading information to the credit bureaus. Specifically, the FCRA requires that information reported to credit agencies must be accurate and updated when a dispute or error is identified. Given the circumstances, I believe this violation of my rights, along with the mishandling of my case, warrants a fair resolution. The account should be fully removed from my credit history as a sign of goodwill, especially considering the stress and frustration Ive experienced through this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$570.00} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made 100 % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status.

2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
XXXX. Reported Balance : The reported balance of {$570.00} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX  ] [ XXXX, Ga, XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit report. The account in question is XXXX, with a reported balance of {$570.00} and noted as Placed for Collection. After reviewing my credit report, I have identified the following inaccuracies : 1. Payment History : The account is marked as having been placed for collection ; however, the payment history reflects that I made 100 % of payments on time. This inconsistency suggests an error in the reporting of the accounts collection status.

2. Account Status : The account is noted as closed on XX/XX/XXXX, and placed for collection. However, the information provided does not match my records, and I have no knowledge of any outstanding balance that would justify this status. 
XXXX. Reported Balance : The reported balance of {$570.00} is inaccurate based on my records, and there is no explanation for this amount or proof of its validity. 
These errors are significant and negatively impact the accuracy of my credit report. I am requesting that you investigate these inaccuracies and provide supporting documentation from the creditor to verify this information. If the inaccuracies can not be verified, I request that the account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
To assist with your investigation, I have attached the following documentation : A copy of my credit report with the XXXX account highlighted Relevant supporting documents regarding this account Please confirm receipt of this dispute and provide the results of your investigation at your earliest convenience. I would appreciate a detailed explanation of your findings. If further information is needed. 

Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
1. Erroneous Accounts : Equifax is reporting accounts on my credit report that are inaccurate or do not belong to me. 
I have disputed these accounts with Equifax multiple times, providing all necessary documentation to support my claims. 
2. Failure to Validate Debt : Equifax has failed to validate the debt in question or provide any documentation from the original creditor proving the validity of these accounts. 
XXXX. Failure to Investigate : Despite my formal disputes submitted under the Fair Credit Reporting Act ( FCRA ), Equifax has not conducted a proper investigation into the matter. 
I believe they did not contact the creditors involved or take reasonable steps to verify the accuracy of the information. 
4. Refusal to Remove Inaccurate Information : After multiple disputes, Equifax has refused to remove the inaccurate accounts from my credit report, causing ongoing harm to my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: DE

Complaint narrative:
I never used Remitly, the international money transfer service.

However, I have received text messages from Remitly, portraying me as a XXXX  speaking client, although I have never signed up for Remitly. 

The text messages are from the number XXXX and XXXX : " XXXX XXXXXXXX XXXX XXXXXXXX XXXX Remitly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I believe this may be part of a scam, I am unsure why these messages were sent to me.

Company response to consumer: Closed with explanation