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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I reached out via the XXXX dispute center through XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  to remove derogatory marks and late payments due to no knowledge or agreement to those companies to pay alleged debt and they could not verify the debt because they didnt have all my information nor could they explain how they acquired my alleged debt. And XXXX XXXXXXXX to remove previous late payments once my account was brought current as part of the repayment plan. None of the marks were removed within 30 days of dispute and currently still sit on my credit report making it difficult to obtain a fair credit report needed got daily life.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: TX

Complaint narrative:
I reached out via the XXXX dispute center through XXXX XXXX to Jefferson Capital, XXXX XXXX XXXX XXXX XXXX XXXX to remove derogatory marks and late payments due to no knowledge or agreement to those companies to pay alleged debt and they could not verify the debt because they didnt have all my information nor could they explain how they acquired my alleged debt. And XXXX XXXXXXXX to remove previous late payments once my account was brought current as part of the repayment plan. None of the marks were removed within 30 days of dispute and currently still sit on my credit report making it difficult to obtain a fair credit report needed got daily life.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of account including XXXX XXXX, opened on XX/XX/year>. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. These items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The imposition of these charges constitutes an illegal act of retaliation in response to my submission of multiple health code complaints, which led to the property being fined for violations. Following an emergency leak, I was compelled to vacate the property as it became uninhabitable for myself and children. Upon my departure, the company reapplied charges to my account and furnished a statement of past-due utilities encompassing the period from XX/XX/XXXX to XX/XX/XXXX. Nevertheless, my account balance was settled in XX/XX/XXXX, as acknowledged by management, thereby confirming that I am not liable for utilities, which are included and paid with my rent. I have sought an itemized, monthly breakdown of the utilities, but the property and accounts receivable department assert that this information is not available. Consequently, the absence of supporting documentation renders it impossible to verify the legitimacy of the charges.

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: VA

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding Equifax and XXXX, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax and XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. This reinvestigation has been done in XXXX hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Provide the chain of assignment 4. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Equifax and XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file.

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: VA

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the XXXX XXXX XXXX XXXX ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and Experian, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in XXXX  hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2. Provide me with all documentation used to verify the accuracy of the disputed information 3. Provide the chain of assignment 4. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complete against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Equifax consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I ensure CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I marked as innacurate. 
XXXX XXXX XXXXXXXX - reported XXXX latest XXXX XXXX reported XXXX late XXXXXXXX XXXX XXXX XXXXXXXX auto finance XXXX late Remove previous jobs Remove previous addresses Remove phone numbers

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: MI

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 ( 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 2025-01-24 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: FactorTrust, Inc.
State: NH

Complaint narrative:
I am writing to formally request the immediate removal of the following fraudulent accounts, addresses, emails, and phone numbers from my credit report under FCRA 605B due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I also request the deletion of the following fraudulent addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; and the following fraudulent emails : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the following fraudulent phone number : XXXX XXXX XXXX. These accounts, addresses, and contact details are not authorized by me, and I am requesting their immediate removal as required by the FCRA. Please confirm in writing that these items have been deleted from my credit report. Thank you for your prompt attention to this matter.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested that false information be removed from my report back In XXXX and nothing has ever happened. 
I have submitted documents showing I never lived at address shown and then they have addresses shown from XXXX XXXX ago when I was a child.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Equifax for its failure to properly investigate and resolve charge-off items that were previously disputed on my credit report. The items in question, which have been inaccurately reported, are negatively impacting my creditworthiness and are preventing me from securing stable employment and housing. 

The charge-offs in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputing these items due to inaccuracies, Equifax has failed to provide a fair resolution, as required by the Fair Credit Reporting Act ( FCRA ). I believe that the information reported on my credit file is not accurate, and XXXX negligence in investigating my disputes has caused my credit report to take a severe downturn. 

As a result of these unresolved issues, I am experiencing significant hardship in securing both employment and housing, as the charge-off items are preventing me from passing background checks required by potential employers and landlords. This situation has caused undue financial strain, and I request that the CFPB investigate Equifaxs failure to comply with the FCRA and ensure that these charge-off items are removed from my credit report.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XXXX XXXX XXXX, my wife and I wired USD XXXX for Earnest Money Deposit ( EMD ) to a title company ( XXXX XXXX ) from a XXXX XXXX branch of Bank of America. The real estate deal fell through and the seller agreed to release the EMD on XXXX XXXX XXXX. The title company proceeded to cancel the previous wire on Tuesday, XXXX XXXX XXXX. Today is Friday, XXXX XXXX XXXX  and the fund has not been deposited back into our Bank of America checking account. XXXX provided us with the federal reference number for the wire, and twice the bank of America claimed it would be made available soon without further elaboration except that it is being " verified ''. We have now been instructed to wait until Tuesday, XXXX XXXX XXXX This was for the wire that was sent out by XXXX on XX/XX/XXXX. We are first time home buyers, and we need to have the deposit back soon so that we can proceed with our ongoing home purchase deal with another seller. I do not understand why our fund is being held by Bank of America in this manner when they can clearly see the wire cancellation request.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable scams. This lack of accountable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Shepherd Outsourcing, LLC
State: GA

Complaint narrative:
On XXXX XXXX XXXX I received a text from Shepherd Outsourcing not sure why they are texting me abouta old XXXX  XXXX bill I haven't received in the mail. I would like for this company to send me a list of every transaction, why the debt collection believes I owe the debt, proof showing the debt belong to me, a contract with my wet signature, proof that Shepherd Outsourcing has the title and ownership to the debt and when debt was purchased for what amount, and proof that Shepherd Outsourcing has the legal right and license to pursue this debt in the state of Georgia.

Company response to consumer: Closed with explanation