vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against Experian for failing to correct inaccurate information on my credit report despite clear evidence supporting its removal. This issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and relevant Texas state consumer protection laws. 

Key Points of 15 U.S.C. 1681e ( b ) - Accuracy of Report Duty of Accuracy : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they provide in consumer reports.

Purpose : This ensures that the information contained in credit reports is fair, accurate, and reflective of the consumers true financial status.

Reasonable Procedures Standard : The law does not require absolute perfection but mandates that agencies take reasonable steps to avoid errors. 
Liability : If a consumer suffers harm due to inaccurate information caused by negligent or willful non-compliance with this standard, the consumer reporting agency may be held legally responsible. 

Summary of Dispute and Violation On XX/XX/year>, XXXX completed their investigation into disputed accounts that I had previously identified as inaccurate and erroneous. XXXX determined that the following accounts were indeed incorrect and removed them from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Both accounts were deleted from my XXXX report, confirming their invalidity. However, Experian continues to report these accounts despite being presented with the same evidence that resulted in their removal by XXXX. 

Violation of My XXXX Rights XXXX failure to remove these erroneous entries violates the following consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ), Section 611 Under this law, credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. XXXX failure to remove these accounts after a thorough review by XXXX demonstrates a failure to meet this legal obligation. 
2. FCRA, Section 623 Data furnishers must ensure they provide accurate information to credit bureaus. Since XXXX has already verified these entries as inaccurate, Experian is now knowingly reporting false information. 
3. Texas XXXXXXXX XXXX XXXX XXXX XXXX Under Texas law, consumers are protected from credit bureaus reporting inaccurate information without proper 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 2025-03-10 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: TX

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

Company 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 2025-03-10 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$480.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$480.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$770.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Wolf River Development Company
State: TN

Complaint narrative:
Unlawful debt collection practices, failure to acknowledge wage assignment revocation, refusal to initiate a payment plan, and repeated harassment. 

Complaint Details : I am filing a complaint against Northstar Lending for the following violations : 1. Failure to Acknowledge Wage Assignment Revocation On XX/XX/year>, I sent a formal revocation of my wage assignment to both Northstar Lending and my employer. Again on 3/09/2025 Under federal law, a wage assignment is voluntary and can be revoked at any time in writing. Northstar Lending has ignored my request and continues to threaten unauthorized payroll deductions.

2. Failure to Initiate Payment Plan They Offered Northstar Lending offered me a payment plan to resolve my debt. I responded and accepted their offer on XX/XX/year>. 
Despite my good-faith attempt to pay, they have not implemented the payment plan or provided further instructions.

3. Harassment & Daily Threatening Emails I have been receiving daily emails threatening wage garnishment, despite the lack of a court order.

Wage garnishment without a court order is illegal under 15 U.S. Code 1673 ( Consumer Credit Protection Act ). 
Their repeated harassment is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: AZ

Complaint narrative:
Edfinancial absolutely ruined my life, I could not get into my online account, even when I put my XXXX and XXXX to locate my credentials it stated user is not in system. I work so when I tried calling I would be on hold for longer then my required work break so i, had to hangup when I called them and by the time I was off they were closed and their closed on weekends obviously. Okay they have my correct address in their file and I know their capable of sending notices cause my XXXX XXXX XXXXXXXX told me his mother got notices in the mail from them but yet I got nothing ( he just told me about this recently like a couple days ago ) no phone calls or voicemails by them, NO COMMUNICATION WHATSOEVER. Anyway they lumped all XXXX installment loans as delinquent when technically I was only 3 months behind on my payment. They reported XXXX delinquencies to my credit report and completely ruined my life. I'm gon na be homeless cause of their unprofessionalism. I'm gon na lose my job now so with them costing me my job how will I be able to pay their montly payments now? Their laziness has cost me everything and its not just me it's a ton of people they did this to. I hate to say this but your gon na see a huge spike in suicides on the news. There's no way people will be able to recover from this massive blow to our credit when we are living in a monetary system. Homelessness will spike, which will lead to more drug addiction which will lead to more crimes. The effect that this is gon na cause is something that none of us are prepared for. I need help its inevitable im gon na be homeless by the end of this month that's indefinitely. They caused a situation that they won't get their money back either now so good job to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-10 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: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing XXXX!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

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 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
my information was effected by the 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 2025-03-10 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: GFS II, LLC
State: MD

Complaint narrative:
On several occasions Ive requested and filed disputes with all three credit bureaus regarding the inaccuracy of a collection on my credit report regarding the company GFS II, they have failed to validate it yet this company continues to report a debt and increases the amount of the debt without, validating the debt, or showing where I signed into an agreement with them. My social security number, name and address has been compromised and used in the security breaches at XXXX XXXXXXXX XXXX XXXX and XXXX. Please remove this inaccurate information and account under the name GFS II immediately. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I attempted to make a purchase at snakeriverfarms.com using my Ally bank debit card twice. Each time the charge was declined despite getting a PIN code via text to validate the card both times. I called Ally Bank and was told they view XXXX XXXX XXXX as a fraudulent company and the transaction will never be approved. Keep in mind, this is checking account and debit card. This is my money. Its not like a credit card where they have the ability to decline charges at companies they dont like because its their credit funds. This is a bank declining me to spent my funds with a well-known business ( snake river farms ). This type of behavior from Ally should be illegal. You cant tell me where I can and cant spend my money if I can verify the charge. This is ridiculous and should be investigated.

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 2025-03-10 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: NY

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX apartment XXXX XXXX my EQUIFAX Phone number needs to be updated my old number was XXXX my NEW phone number is XXXX I can not updated it myself and can't seem to reach EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NC

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 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 2025-03-10 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:
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 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 2025-03-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX  - XXXX XXXXXXXX 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. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report XXXX AND EXPERIAN which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at AVANT /WEBBANK FOR {$580.00}, AND XXXX XXXX XXXX FOR {$240.00}, XXXX FOR {$00.00}, XXXX XXXX FOR {$00.00}, AND XXXX XXXX FOR {$300.00}, AND XXXX XXXX XXXX FOR {$920.00}, AND XXXX XXXX XXXX FOR {$870.00}, AND XXXX XXXX, XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX & XXXX Account Number XXXX, XXXX Account Number XXXX, AND Account Name XXXX XXXX XXXX Account Number XXXX, Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer, Account Name XXXX XXXX XXXX Account Number XXXX Account Type Debt Buyer, Account Name XXXX XXXX XXXX  Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX AND XXXX AND EXPERIAN credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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