vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account # : XXXX Account Status : Open Date Opened : XX/XX/XXXX Dispute of Late Payment Reporting - Request for Investigation and Removal Dear Credit BureauXXXX XXXX XXXX , I am writing to formally dispute the late payment that has been reported on my credit report for XX/XX/XXXX. The reported late payment is inaccurate, as I have consistently paid on time. The issue stemmed from an error on the banks side, where the correct amount of money was not deposited into my account, resulting in a late payment being recorded. I request that you investigate this matter and remove the late payment from my report immediately, as it does not accurately reflect my payment history. A review of my full credit report will show that this is the only instance of a late payment. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
i did not open these account a asp that under section 605b FCRA for these negative items be removed immediately under FCRA 605 B

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
i did not open these account a asp that under section 605b FCRA for these negative items be removed immediately under FCRA 605 B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo refused to investigate my disputes. They simply just say that I made the transaction and therefore they are valid. When in fact they are NOT valid charges. Wells Fargo have NOT even contacted the merchant for my claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: OR

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately XXXX XXXX  of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-03-20 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My personal and financial information was compromised without my authorization by XXXX on XX/XX/XXXX. 

The Family Educational Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-03-20 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I have disputed the XXXX XXXXXXXX XXXX ( Account # XXXX ) multiple times with TransUnion and Experian, yet they continue to report this account inaccurately. XXXX has never reported this account, which raises serious concerns about its validity and the accuracy of the information being furnished. If this account is legitimate, it should be reported consistently and accurately across all major credit bureaus. The inconsistency in reporting suggests a failure to ensure maximum possible accuracy as required under XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act. I never gave any authorization, either in writing or verbally, for this account to be reported. Under XXXX XXXX. XXXX ( a ), a consumer reporting agency may only furnish a consumer report if there is a permissible purpose under federal law. Since I never provided any form of consent for this account to appear on my credit report, its presence is a direct violation of my rights under the FCRA. If TransUnion and Experian are reporting this account without my permission, they must provide documented proof of my authorization or immediately remove the account. By continuing to report this account after multiple disputes, TransUnion and Experian have also failed to conduct a proper reinvestigation as required under XXXX XXXX. XXXX ( a ). Their negligence in ensuring the accuracy of my credit report has caused me financial and emotional distress, affecting my ability to obtain credit and secure housing. Under XXXX XXXX. XXXX and XXXX XXXX. XXXX, TransUnion and Experian may be held liable for willful and negligent noncompliance, which could result in statutory damages. I demand that this account be removed immediately or that TransUnion and Experian provide clear and verifiable documentation proving that this account is accurate, authorized, and lawfully included in my credit report. If this matter is not resolved promptly, I will have no choice but to escalate this issue through additional legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CT

Complaint narrative:
I am submitting this complaint due to ongoing violations by both XXXXXXXX XXXX and Experian, despite providing all required documentation per FCRA guidelines. I submitted an FTC Identity Theft Report, police report, and a notarized affidavit confirming the fraudulent nature of accounts that appeared on my credit report. Despite complying with all requirements, XXXX XXXX and Experian have obstructed the process by requesting an additional XXXX report, which I submitted. However, they continue to falsely mark the accounts as under dispute and, despite the accounts not currently appearing on my credit report, Experian has caused my credit score to drop by over XXXX points due to these fraudulent accounts. 

Experian has also deliberately restricted my ability to upload supporting documents to further delay the dispute resolution process, forcing me to resort to mailing documents, which creates unnecessary delays. Additionally, I have documented multiple instances where Experian placed me on hold for over XXXX hours when I attempted to call for assistance, further obstructing my rights. I believe this pattern of behavior is a willful violation of the FCRA and is intended to harm me. 

I am requesting that both XXXX XXXX and Experian be held accountable for their failure to comply with FCRA regulations and that these accounts be fully and permanently removed without further delay otherwise I'm entitled to damages of {$1000.00} per violation due to the ongoing harm caused by their non-compliance and obstruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: SC

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I agreed to pay a debt with Enerbank USA for XXXX XXXX now known as Regions. I fell upon some hard times and was unable to pay the debt. When I reached out to settle the debt the company stated I owed almost twice what the debt was. They have tacked on so much interest and other charges that I am unable to settle with them. They are also reporting the debt on XXXX different account numbers stating I owe the debt to them twice. The representatives try to intimidate you saying that the call is recorded and that if you don't agree to make the full payment being requested, they will put a lien on your home and sue you for the amount they are asking. I have called several times and they have little to no compassion for the consumer and or to resolve the issue. 

Enerbank USA XXXX Regions 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