vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my concern regarding the the investigation into my issue was not conducted properly, and I did not receive a satisfactory resolution. 

Despite providing all relevant documentation and details, the response I received indicates that my complaint was not fully investigated or considered. I believe there are key aspects of the matter that were overlooked, which may have led to an incomplete or incorrect outcome.

I respectfully request that my case be re-evaluated and that a more thorough investigation be conducted. I would appreciate a prompt update on the status of my complaint and any steps I can take to ensure it is addressed properly. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
Hi, My name is XXXX XXXX, and I have these debt collectors trying to collect debts and they are annoying me with these phone calls, and emails. The last one sent an email to me saying that I owe {$900.00} and I know that I have to pay XXXX. Just like how I told them I know that I owe XXXX their money but you don't have to send me a notice every time and you get my record. Can you step in and handle this issue for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
The company keeps trying to age the report with incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: GA

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this Accounts XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AR

Complaint narrative:
Due to the response by XXXX XXXX this account is not valid/verifiable and should be removed from my credit report immediately. The response has been attached along with the CFPB complaint ID for your review. Thank you.

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 2025-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: IN

Complaint narrative:
I have the other part of this collection already in the process. I have several issues. First off I had no clue I even had these collections until I seen them on my credit I didnt have anytime to dispute before it went on my credit. I still havent heard from them nothing and its been on my credit for a few months. I immediately disputed it. But came back verified. On top of that I noticed an error on the report and disputed the error through XXXX first and asked for it be deleted since information had to be accurate. On my credit report it says account was closed XX/XX/year>. I thought thats was grounds alone. After reporting it to XXXX they just corrected the error and said it was verified.i currently have disputed it with the other two agencies and forwarded the credit report with the two errors on each of them. Wrong dates by over 50 years and each collection says closed and open accounts. It cant be both. Its open or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance has been using the telephone to harass me by calling anonymously and making repeated continuous calls to my phone and employer which is prohibited. REGIONAL FINANCE has been informed the debt is enrolled in a debt settlement program with XXXX XXXX XXXX and provided their number to call the company and they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MD

Complaint narrative:
Experian, XXXX and XXXX has failed to fulfill its legal obligation under the fair Credit Right 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 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 2025-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to formally address a serious issue involving Kohls/Capital Ones reckless and unlawful reporting of a fraudulent account on my credit report. This ongoing matter has caused significant harm to my financial standing, personal life, and reputation. 

Key Facts : Fraudulent Reporting : On or around XX/XX/XXXX, I discovered an unauthorized account listed as charged off for {$1100.00} by " KOHLS/CAPONE '' on my XXXX credit report. I immediately disputed the account with XXXX and provided all necessary documentation, including an FTC identity theft report and a sworn affidavit under penalty of perjury. Despite this, Kohls failed to adequately investigate and continued to report the fraudulent account. 

Violation of FCRA ( 15 U.S.C. 1681 ) : Kohls actions violate the Fair Credit Reporting Act, specifically the duty to ensure maximum possible accuracy ( 1681e ( b ) ) and the obligation to investigate disputes within the mandated timeline ( 1681i ). Kohls failure to provide requested documentation, such as the original account application, demonstrates non-compliance with federal standards. 

Improper IRS Reporting : On XX/XX/XXXX, I received a 1099-C form indicating a canceled debt for the fraudulent account. By falsely reporting this debt as income, Kohls has subjected me to potential tax liability in direct violation of IRS guidelines and consumer privacy protections under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ).

Prior FTC Sanction : Despite previous FTC actions against Kohls for similar practices, they continue to engage in reckless behavior, failing to implement sufficient safeguards to protect consumers.

Harm Experienced : Severe damage to my credit score and financial reputation. 
Denial of credit and loss of business opportunities. 
Emotional and financial distress due to Kohls failure to address this matter responsibly. 
Resolution Demanded : Immediate removal of the fraudulent account from my credit reports across all reporting agencies. Immediate retraction of the 1099-C form filed with the IRS and
submission of a corrected filing.

Compensation for damages incurred, including financial losses and emotional distress. 
Written acknowledgment of misconduct and detailed corrective measures to prevent future harm to consumers. 
Kohls continued negligence and lack of accountability undermine consumer trust and reflect a systemic disregard for legal and ethical obligations. I request prompt resolution to this matter to avoid further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Upgrade regarding fraudulent charges, excessive interest accumulation, a sudden reduction in my credit limit, and the subsequent negative impact on my credit score. These actions have caused me significant financial and emotional distress, and I am seeking assistance in resolving this matter.

Details of the Incident : 1. Duplicate Charges : I noticed multiple duplicate charges on my Upgrade account for various transactions. These errors caused my balance to accumulate significantly higher than it should have been.

2. Excessive Interest : Upgrade applied a 29.99 % interest rate on the inflated balance caused by their errors, further increasing my financial burden.

3. Credit Limit Reduction : Without warning, Upgrade reduced my credit limit from {$6000.00} to {$1000.00}, leaving me with a {$5100.00} balance. This action caused my credit utilization ratio to skyrocket, resulting in a significant drop in my credit score.

4. Impact on Home Purchase : Due to the negative impact on my credit score, I was denied approval for a mortgage during the home-buying process. This has caused me great hardship and delayed my plans for purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Here are both inaccurate accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: MN

Complaint narrative:
No verbal or written agreement with third party. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written Consent.

furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of infor
mation, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-26 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
The company keeps trying to age the report with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The company keeps trying to age the report with incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: MI

Complaint narrative:
This debt was charged off for the synchrony credit card and Im receiving collection letters although they have already charged off on my credit report. I have never received a 1099C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AR

Complaint narrative:
Due to the response by XXXX XXXX this account is not valid/verifiable and should be removed from my credit report immediately. The response has been attached along with the CFPB complaint ID for your review. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: AR

Complaint narrative:
Due to the response by XXXX XXXX this account is not valid/verifiable and should be removed from my credit report immediately. The response has been attached along with the CFPB complaint ID for your review. Thank you.

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 2025-01-26 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:
Dear XXXX, I am writing to file a formal complaint against the three major credit bureaus - XXXX, XXXX, and Equifax for failing to accurately address and resolve my disputes related to incorrect information on my credit reports. The disputed information remains on my credit report and has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
Dear XXXX, I am writing to file a formal complaint against the three major credit bureaus - XXXX, Experian, and XXXX for failing to accurately address and resolve my disputes related to incorrect information on my credit reports. The disputed information remains on my credit report and has not been corrected.

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo allowed someone to open a checking account in my name around XX/XX/year>. I contacted them to close the account but was unsatisfied with the follow up report that was received. The report did not explain the measure that Wells Fargo had taken, the root cause of the failure, and what they are going to do differently to protect me from reoccurrence. Letter put all of the burden on me to protect myself and came off as business as usual at Wells Fargo. This is unacceptable.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Equifax, Hello I recently received a response to a dispute that i made under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was shocked to learn that you somehow verified the disputed item and they are still on my credit report.

If you had investigated properly, rather than use your e-Oscar system, you would have known that these items listed below should have been removed in my initial investigation. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am very interested to learn how you arrived at this erroneous conclusion. I would like to see a complete list of all the documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I did research on my own and learned that in the case of Cushman V Transunion, Stevenson V.TRW ( XXXX  ), and Richardson V. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't Merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable! 

I am in the process of planning a legal case, so I need specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or will expect to see the item in question permanently removed from all records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I need to report that my Affirm account was accessed without my consent. Please hold any outstanding transactions while I resolve this with Affirm 's customer support.

Company response to consumer: Closed with explanation