vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: CA

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 ( 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 l 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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: WI

Complaint narrative:
This Compy Jefferson Capital System Im not familiar with they told me it was XXXX phone from XXXX which is crazy cause I have XXXX now as a phone provider. So this should be taken off and closed. They also repeatedly call as early as XXXX and continue throughout the day. The amount is {$2900.00}. I had added photo of all the different numbers calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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

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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4400.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have been attempting to remove mXXXX XXXX from my mortgage via a mortgage assumption since XXXX. After an initial couple rounds of additional information requests ( despite these not being things specifically requested in the initial application ), Chase began requesting updated financial statements in the form of most recent pay stubs and statements from the savings account from which I would be paying out my XXXX once the mortgage was fully assumed. The first of these requests was made approximately XXXX weeks after I had last provided updated documents and was answered within XXXX hours. After this request, Chase failed to process the documents for 25 days and, after the 25 days, told me that they needed a more recent statement from my savings account ( a statement that hadn't existed until 16 days after they initially received my documents ). When I pointed out that this exact same scenario will repeat itself if they fail to process the documents for 25 days again, they offered no plans to expedite the processing and seemed to imply that they will likely take the full XXXX days again, causing this scenario to repeat. At this point, I have spent the last 5 months doing everything I possibly could and doing it as soon as possible to try to get this application processed, but Chase has made it impossible for me to successfully process this application. They have offered no recourse while acknowledging that their current process is doomed to fail and I am at a loss for what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-24 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$160.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-24 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: CA

Complaint narrative:
Complaint Against Experian There many incorrect information shown on my Experian credit report. I have called the company many times to explain the issues. Each call had extremely long wait times to get to the live person. However, each time the customer service rep. transferred my call to different department, then disconnected my call. This situation happened again and again, the Experian service reps. were getting ruder and ruder. After many efforts I was never able to get to the live person on the call to look up at the incorrect information shown on 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 2025-01-24 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: FL

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding the presence of XXXX fraudulent hard inquiries on my credit report. These inquiries are inaccurate and misleading and have had a detrimental effect on my credit score. 

Under XXXX XXXX. XXXX, I have the right to dispute inaccurate information on my credit report. Despite my efforts to resolve this issue directly with TransUnion, they have not taken the necessary actions to remove these unauthorized inquiries. 

The details of the fraudulent inquiries are as follows : XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX. Creditor Name : XXXX XXXXXX/XX/XXXX XXXX. Creditor Name : XXXX XX/XX/XXXX I have contacted the creditors associated with these inquiries, and they have confirmed that I did not authorize these credit checks. As a result, I believe I am a victim of identity theft or fraud. 

The presence of these inquiries on my credit report is significantly impacting my credit score and my ability to secure credit. I kindly request your assistance in addressing this matter and ensuring that TransUnion takes appropriate action to remove these fraudulent inquiries from my credit report immediately. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving 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 2025-01-24 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: WI

Complaint narrative:
Experian continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. 

This dispute is submitted under the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As peXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Further NO hospital bills should be on any credit reports. 

I hereby request Experian to remove the following inaccurate, unverifiable, fraudulent collections from my report. 

1. XXXX XXXX XXXX {$3000.00} XXXX. XXXX {$280.00} XXXX. The XXXX XXXX {$8900.00} XXXX. XXXX XXXX Of XXXX {$1500.00} XXXX XXXX XXXX {$4900.00}

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Ive been experiencing the effects of unauthorized credit inquiries from your company on my report. These inquiries are lowering my credit score and making things more difficult.

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 2025-01-24 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: DE

Complaint narrative:
Im writing because Im absolutely fed up with the repeated mistakes on my report. These errors are dragging down my score and causing me to lose out on opportunities I deserve. Its incredibly frustrating to feel like Im being punished for someone elses mistakesor worse, for information that cant even be verified.

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 2025-01-24 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I dont remember the transaction dates, my account with XXXX is closed so I can not access the transactions anymore. There was occurrences on 3 occasions where I sent money through Zelle and got a confirmation but the person that I sent money to never received the money the amount totaled over {$3000.00}. No actions were taken by the company because they stated that I initiated the transaction and authorized it so there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MN

Complaint narrative:
XXXX XXXX XXXX acct ending XXXX This is he accounts that is is giving inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Yesterday, XX/XX/year> I was contacted by a friend on XXXX and I assumed that Friend had not been compromised as far as their XXXX account. They were selling items to help their father out and everything seemed legit I was talking to them and they said that I had to send a deposit to make sure that nobody else would come by the items before I had a chance to come pick them up and pay the rest off so I sent {$1000.00} {$500.00} for enclosed trailer and {$500.00} for a washer and dryer set for a total of {$1000.00} sent through XXXX using Huntington national Bank. When I called the bank to ask them who the money was sent to they could not tell me. When I asked XXXX who the money was sent to they would not tell me. I tried to cancel the transaction and it was too late. Ive been trying to do something since the moment I sent the money this money is my rent money and Im gon na be out of a place to live if I cant get it back. Please help me in anyway you can. Below are some attached conversations that I had with the scammer. You could tell at the very end that it is a scam because he admits that he tried to scam somebody yesterday for {$5000.00} and got away with it and that person was not asking for their money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have received multiple calls early in the morning and on weekends trying to collect debts from me. Even after answering there are still continued calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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