vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dispute regarding inaccurate information on my credit report I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal law. Recently the consumer Financial Protection Bureau filed a lawsuit
against Experian for it's failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported : Under the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
The investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this manner, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day time frame. 
Sincerely, XXXX XXXX XXXX without prejudice XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
My personal Information has been exposed to a data breach.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke to them but they still try to charge my card or send me unknown charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MD

Complaint narrative:
I am writing to formally submit a complaint against Experian for failing to correct inaccurate information on my credit report, despite my submission of valid proof under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I disputed the balance being reported for my XXXX student loan account, as it is inaccurately showing a balance when, in fact, the account has been fully paid off and should reflect a XXXX balance. I provided Experian with the payoff letter from XXXX dated XX/XX/year>, which clearly verifies that the account has been settled in full. 

Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation of consumer disputes and correct any inaccuracies ( 15 U.S.C. 1681i ). Despite my submission of clear evidence, Experian has refused to update the account status accordingly, which is in direct violation of my rights under federal law. Additionally, Experian has falsely claimed that their review of my dispute constitutes a " reinvestigation, '' when this is the first time I have submitted a dispute regarding this particular account. This misrepresentation raises serious concerns about the integrity of their investigation process and their compliance with FCRA requirements. 

I am requesting that the CFPB intervene in this matter to ensure Experian complies with the FCRA and updates my credit report to accurately reflect my accounts paid-off status. This inaccurate reporting is causing undue harm to my credit profile, and I expect Experian to fulfill its legal obligation to report only accurate 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute late payment records on my student loan account as reported to the credit bureaus by XXXXXXXX XXXX XXXX XXXXXXXX. Upon reviewing my credit report, I discovered 5 late payments listed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I believe were reported in error. I request that the Consumer Financial Protection Bureau ( CFPB ) assist me in investigating this matter and ensure that my loan servicer corrects or removes the inaccurate late payments from my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Higher Education Act, I am requesting that my loan servicer provide verification of these late payments. If they can not verify the accuracy, I request that the late payment records be removed or corrected. 

Thank you for your time and assistance.

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 2025-02-10 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : 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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report, as outlined below. This account does not belong to me, and I have no knowledge of any contract or agreement with the listed collection agency. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute incomplete or incorrect information in my credit file. 

Disputed Account Information : Creditor Name XXXX M & M Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Provisions Supporting My Dispute : 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum Accuracy Credit reporting agencies are required to adopt and follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports. 

15 U.S.C. 1681i ( a ) : Consumer Disputes and Reinvestigations When a consumer disputes the accuracy of any item in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. If it can not be verified, the information must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of Unverifiable Information If the credit bureau can not verify the disputed information within 30 days ( or 45 days in certain circumstances ), the disputed account must be removed from my credit report.

15 U.S.C. 1681b : Permissible Purposes for Consumer Reports The account in question appears to have been added without a permissible purpose, as I have never authorized this account or engaged in any transaction with the creditor.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers of Information Furnishers of information ( like M & M Credit ) are required to report accurate information and must promptly correct and update information when it is found to be inaccurate.

Request for Immediate Action : I request the following actions : Verification Provide evidence of this debt, including any signed contracts or agreements bearing my signature. 
Deletion Remove this account from my credit report if the creditor can not provide verifiable proof that the account is accurate. 
Notification Inform me of the results of your investigation, as well as whether any changes have been made to my credit report. 
Failure to comply with the FCRAs provisions may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. I trust that you will handle this dispute promptly and in compliance with federal law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me of any updates regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX I opened a credit card with XXXX and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day. 

I contacted XXXX 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over XXXX points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, Experian, and XXXX ) continue to show this incorrect late payment.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I opened a credit card with XXXX and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day. 

I contacted XXXX 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( Wells Fargo ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over 100 points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX I opened a credit card with Bilt and immediately set up autopay for the full statement balance. Due to a documented technical error in their payment system ( which I have an archived copy of ), my first-ever balance of {$30.00} was not processed despite sufficient funds being available. I discovered this in XX/XX/XXXX when I found a 90-day late payment on my credit report. I immediately paid the full balance that day.

I contacted Bilt 's CEO in early XXXX requesting goodwill removal. Their team acknowledged the technical error and promised to work with their underwriting bank ( XXXX XXXX ) to correct the credit reporting. After over 12 months of follow-ups, they continue to claim they are " waiting for a response '' with no progress. 

This erroneous reporting has caused my credit score to drop by over XXXX points. I have been denied several apartment applications specifically due to this late payment. I was forced to relocate to find housing that doesn't require credit checks, causing significant disruption and expenses. 

All three major credit bureaus ( XXXX, XXXX, and XXXX ) continue to show this incorrect late payment.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
No good outcome came out of this no investigation no replies

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Experian, Equifax, Transunion XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Please remove current address and update New address. Current address on file is now a non mailable address please remove from credit file. 

please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Experian, Equifax, Transunion XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Please remove current address and update New address. Current address on file is now a non mailable address please remove from credit file. 

please see attachment

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im attaching an FTC report here containing XXXX fraudulent accounts. Note I have also selected the option to report XXXX fraudulent inquiries

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally demand the removal of all negative and inaccurate information from my credit report that resulted from the XXXX data breach of XXXX, which exposed the personal data of approximately XXXX XXXX consumers, including mine. 

XXXX. My Information Was Compromised in the Breach As a confirmed victim of the XXXX breach, my personal dataincluding my Social Security number, date of birth, and other personally identifiable information ( PII ) was exposed due to Equifaxs failure to safeguard consumer data. This has led to unauthorized use of my information, affecting my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ], I have the right to demand that fraudulent or inaccurate information resulting from identity theft or data breaches be blocked and permanently removed from my credit report. 

XXXX. Legal Violations and Consumer Rights XXXX violated several federal and state consumer protection laws, and I demand the CFPB enforce my right to remove the affected information under : Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX et seq. ] Credit bureaus must ensure data accuracy. Any disputed, inaccurate, or fraudulent information must be corrected or removed within 30 days under XXXX XXXX. XXXX ( a ). 
Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ] If any debts on my report were a result of identity theft linked to the XXXX breach, they are invalid and unenforceable. 
Federal Trade Commission Act ( FTC Act ) [ XXXX U.S.C. XXXX ] XXXX engaged in unfair and deceptive practices by failing to protect consumer data, violating Section XXXX of the FTC Act. 
XXXX Data Breach Settlement ( Federal Court Ruling, Case No. XXXX ) XXXX admitted liability XXXX and consumers affected are entitled to full remedies, including credit correction and identity theft resolution. 
My Demands for Resolution In accordance with the laws mentioned above, I demand the following : Permanent removal of all inaccurate and unauthorized credit inquiries, accounts, and negative marks associated with the breach. 
Full compliance with FCRA provisions ensuring my credit report reflects only verifiable, accurate, and authorized information. 
A written statement from XXXX, XXXX, and TransUnion confirming the removal of all affected information and steps taken to prevent further harm. 
Enforcement of penalties against XXXX under XXXX XXXX. XXXX for willful noncompliance with consumer protection 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