vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I have requested the 1099-C from a XXXX XXXX i have not received it, had to reach out to the IRS, Exeter finance has failed to send me the order of process of how investigation are handled US code 1681 ( e ) all information must be accurate how am i to tell if the company wasn't verifying to begin with. Rule 938 says that a consumer bankruptcy isnt shared they don't share it so who did XXXX tell this data was accurate and not to mention it's not on XXXX! Exeter finance has a account updating the CHARGE OFF every month that is also the law because a account closes only one time, why is Exter Finance reporting a charge off or closed account every month thats against the law, if the account can only close 1 time Exeter finance is intentionally committing fraud against me because make it make sense. REMOVE all information that's not accurate, verify the closes every single month, verify a charge off has been happening every single month you can't. And Exeter finance is reporting an account that was paid by insurance in full as a negative account i have requested in writing the original contract, the details from the insurance company and the payOUT amount they received from the insurance company and i wrote the IRS to see how Exeter finance handled the XX/XX/XXXX case because if the data is correct why is so hard for this company to send it to me REMOVE THE INACCURATE DATA OR SEND ME ALL VERIFYING INFORMATION, XXXX send me the information on how the verification process goes who did yall speak with, letter did yall send to accurately investigate the bankruptcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have requested the 1099-C from a XXXX XXXX i have not received it, had to reach out to the IRS, XXXX XXXX has failed to send me the order of process of how investigation are handled US code 1681 ( e ) all information must be accurate how am i to tell if the company wasn't verifying to begin with. Rule 938 says that a consumer bankruptcy isnt shared they don't share it so who did Equifax tell this data was accurate and not to mention it's not on XXXX! XXXX XXXX  has a account updating the CHARGE OFF every month that is also the law because a account closes only one time, why is XXXX XXXX reporting a charge off or closed account every month thats against the law, if the account can only close XXXX time XXXX XXXX  is intentionally committing fraud against me because make it make sense. REMOVE all information that's not accurate, verify the closes every single month, verify a charge off has been happening every single month you can't. And XXXX XXXX is reporting an account that was paid by insurance in full as a negative account i have requested in writing the original contract, the details from the insurance company and the payOUT amount they received from the insurance company and i wrote the IRS to see how XXXX XXXX handled the XX/XX/XXXX case because if the data is correct why is so hard for this company to send it to me REMOVE THE INACCURATE DATA OR SEND ME ALL VERIFYING INFORMATION, EQUIFAX send me the information on how the verification process goes who did yall speak with, letter did yall send to accurately investigate the bankruptcy,

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 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
They closed my account and I didnt do anything wrong I explained how I get money to send to XXXX which shouldnt be non of there businesses cause its my money sending and they still closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove all negative items off my credit 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 2025-03-11 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 contacted this credit reporting agency back on XX/XX/2024, with the attached Notice This notice was informing them that I have attempted to remove the attached items from my credit report after I had contacted the related companies to dispute these items and received NO response to my request to verify these debts. The credit reporting agency has provided no valid response and failed to honor the law and remove these items as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2025 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I filed a dispute with Sofi bank around XX/XX/XXXX. I had been scammed out of {$1100.00} from a person who claimed to be a legitimate car shipper. The money came from my Sofi bank account through XXXX XXXX. I was first told by Sofi to contact XXXX XXXX, but then XXXX XXXX  said I needed to contact Sofi since it was directly withdrawn from my Sofi Account. I took all necessary steps to ensure they had everything they needed to resolve the issue and get my money back. I filed a police report and held on to the communication exchanges between me and the scammer. The initial dispute was denied, stating they didn't see an error, whatever that means. I have since appealed the decision. On XX/XX/XXXX, I sent in the official police report, the name and contact number of the investigator assigned to my case amd the text exchange between me and the so called shipper. On XX/XX/XXXX, I contacted Sofi to see if they had completed the investigation and were close to resolving the matter. The rep said they didn't see any additional documentation from my appeal. I told him I sent the additional info on the very same day they told me to do so and I have the email STILL. I still had to resend and now I am still waiting. I have explained to these people that I not only lost my {$1100.00} during that transaction. I also lost a job I had just started because I could not afffoelrd to get back in time from the holidays. I still ended up paying another {$1100.00} to {$1200.00} to get back to the location of my job to gather my belongings and turn around and come back home. Now I have no job and no money and they are holding on to it as if I'm playing some kind of game. When I call, they say the back office handles that and they can only be reached via email. One of the so called Account Managers actually hung up on me! I don't understand what they need to investigate when I have provided them with everything they need to make a decision. This has been investigated by my local police as theft by deception. The investigator has gotten additional info to prove it was a fraudulent transaction. What can their back office do that the police can't?! I need my money back ASAP and a written apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am formally disputing inaccurate information on my credit report that is unfairly affecting my financial standing. Upon reviewing my report, I identified errors, including accounts and inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all reported information is accurate, verifiable, and legally compliant.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my 1st attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EXPERIAN. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: MI

Complaint narrative:
Dear Possible Financial Inc, I am writing this to formally dispute the charge-off reported on my credit file for account XXXX. After reviewing my credit report i noticed that this account has been marked off as a charge off, and i believe this information is inaccurate and requires immediate correction. 
According to the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, verifiable, and fair. I am requesting that you provide the following information. 

1. Proof of the validity of the debt- provide documentation verifying that the debt belongs to me and was accurately charged off. 
2. A detailed payment history- include all transactions and evidence of any payments that may not have been properly applied. 
3.Proof that proper procedures were followed- if the account was reported incorrectly or prematurely charged off, i request that it be corrected or removed. 
If you can not provide proper documentation proving the accuracy of this charge-off, I request that it be immediately deleted from my credit file with all credit reporting agencies. 
Please consider this letter as a formal dispute under the FCRA. I request a written response within 30 days of receipt of this letter. If you fail to provide evidence supporting the validity of this charge-off, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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:
Subject : Request to Block Fraudulent Information Due to Identity Theft Complaint Details : I am submitting this complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report, despite multiple requests. I have been a victim of identity theft, which has resulted in unauthorized accounts, inquiries, and personal information discrepancies on my credit profile. Despite my formal requests for correction, these entities have failed to act in accordance with federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Violations & Failure to Act The credit reporting agencies and data furnishers have committed the following violations : Failure to block fraudulent information ( 15 U.S.C. 1681c-2 ) Failure to provide the method of verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Failure to safeguard my personal data ( 15 U.S.C. 1681b ( g ) ) Failure to ensure accuracy in reporting ( 15 U.S.C. 1681s-2 ) Disputed Items & Personal Information Corrections I formally request the immediate removal and correction of the following information : Name Correction : My full legal name should be displayed as XXXX XXXX only . 

Address Update : Remove all outdated addresses. The only valid address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Phone Numbers : Remove all listed phone numbers. 

Social Security Number & Date of Birth : Ensure my Social Security number and date of birth are not displayed for privacy protection. 

Employer Information : Delete all employer-related data from my report. 

Fraudulent Accounts : Remove all unauthorized accounts and fraudulent inquiries associated with identity theft. 

Data Breach Impact & Supporting Evidence My personal data was compromised in multiple data breaches, including : XXXX XXXX XXXX data breach XXXX ( XXXX ) : XXXX XXXX Social Security numbers, DOBs, and addresses exposed. 

XXXX ( XXXX ) : XXXX XXXX customer records leaked. 

Experian ( XXXX ) : Millions of Social Security numbers and credit histories exposed. 

Despite submitting multiple fraud alerts and disputes, the credit bureaus failed to take appropriate action, leaving me vulnerable to further fraudulent activity.

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 2025-03-11 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: IL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX CARD XXXX Balance Owed : {$780.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$880.00}

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 2025-03-11 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: MT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am filing this CFPB Complaint to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4.A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). 
5.A personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). 
6.. 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.

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 2025-03-11 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-11 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: CA

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 response to consumer: Closed with non-monetary relief