vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove accounts from my credit report as they are hurting 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Based on the incident in CFPB complaint XXXX, I believe that XXXX violated the Fair Credit Reporting Act ( FCRA ) in their XXXX and XXXX reports to Experian Inc .

Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key provisions include : Right to Access Information : Consumers have the right to know what is in their credit report. This includes the right to request and obtain all the information about them in the files of a consumer reporting agency. 
Notification of Adverse Actions : If information in a credit report is used against a consumer, such as denying credit or taking other adverse actions, the consumer must be notified and provided with the name, address, and phone number of the agency that provided the information. 
Dispute Inaccurate Information : Consumers have the right to dispute incomplete or inaccurate information. The c

redit reporting agency must investigate unless the dispute is frivolous. California Law : California Consumer Credit Reporting Agencies Act ( CCRAA ) The California Consumer Credit Reporting Agencies Act ( CCRAA ) provides additional protections for California residents : Accuracy and Fairness : The CCRAA mandates that credit reporting agencies ensure the accuracy and fairness of the information they collect and report. Consumer Rights : Consumers have the right to access their credit reports and dispute any inaccuracies. The CCRAA requires
credit reporting agencies to provide consumers with access to their credit reports at least once annually, free of charge. Confidentiality : The CCRAA emphasizes the confidentiality of consumer data and requires credit agencies to take reasonable steps to prot
ect it from unauthorized access.

Violation of FCRA and CCRAA : XXXX 's failure to provide me with access to your account information and the inability to verify balances and payments may constitute a violation of both the FCRA and CCRAA. These laws require credit reporting agencies and creditors to ensure the accuracy and accessibility of consumer information. 
Failure to Notify : If XXXX has reported negative information without providing me with the necessary details to verify and dispute the information, this may also be a violation of my rights under the FCRA and CCRAA.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Based on the incident in CFPB complaint XXXX, I believe that XXXX violated the Fair Credit Reporting Act ( FCRA ) in their XXXX and XXXX reports to XXXX XXXX XXXX 

Fair Credit Reporting Act ( FCRA ) The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Key provisions include : Right to Access Information : Consumers have the right to know what is in their credit report. This includes the right to request and obtain all the information about them in the files of a consumer reporting agency. 
Notification of Adverse Actions : If information in a credit report is used against a consumer, such as denying credit or taking other adverse actions, the consumer must be notified and provided with the name, address, and phone number of the agency that provided the information. 
Dispute Inaccurate Information : Consumers have the right to dispute incomplete or inaccurate information. The credit reporting agency must investigate unless the dispute is frivolous.

California Law : California Consumer Credit Reporting Agencies Act ( CCRAA ) The California Consumer Credit Reporting Agencies Act ( CCRAA ) provides additional protections for California residents : Accuracy and Fairness : The CCRAA mandates that credit reporting agencies ensure the accuracy and fairness of the information they collect and report.

Consumer Rights : Consumers have the right to access their credit reports and dispute any inaccuracies. The CCRAA requires credit reporting agencies to provide consumers with access to their credit reports at least once annually, free of charge. 
Confidentiality : The CCRAA emphasizes the confidentiality of consumer data and requires credit agencies to take reasonable steps to protect it from unauthorized access. 

Violation of FCRA and CCRAA : XXXX 's failure to provide me with access to your account information and the inability to verify balances and payments may constitute a violation of both the FCRA and CCRAA. These laws require credit reporting agencies and creditors to ensure the accuracy and accessibility of consumer information. 
Failure to Notify : If XXXX has reported negative information without providing me with the necessary details to verify and dispute the information, this may also be a violation of my rights under the FCRA and CCRAA.

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 2025-03-11 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 XXXXXXXX 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 2025-03-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-11 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: MO

Complaint narrative:
The following credit report companies failed to investigate the following disputes. 

Equifax and Experian I've contacted these companies numerous times regarding these claims XXXX XXXX {$1000.00} XXXX {$240.00} XXXX XXXX XXXX {$2400.00} I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate of these items, as it is incorrect and does not reflect my true 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 2025-03-11 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: Deinde Online Services, LLC
State: MO

Complaint narrative:
The following credit report companies failed to investigate the following disputes. 

XXXX and XXXX I've contacted these companies numerous times regarding these claims Integra Credit {$1000.00} XXXX  {$240.00} XXXX XXXX XXXX {$2400.00} I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agencies, it remains unresolved. I request immediate of these items, as it is incorrect and does not reflect my true credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 XXXXXXXX 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 explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: OH

Complaint narrative:
XXXX XXXX allowed a fraudulent utility account to be opened in my name at an address I have never been associated with. 
And this fraudulent account has negatively impacted my credit report and caused financial harm. I never authorized, applied for, or used services at the address. 

And XXXX XXXX is still reporting the fraudulent utility in my name at an address I have never lived at, applied for service at, or been associated with in any way. This fraudulent account has resulted in severe damage to my credit score, making it difficult for me to access financial services. Despite multiple disputes, XXXX XXXX continues to report false and inaccurate information to credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I HAVE BEEN AT THE SAME ADDRESS SINCE XXXX of 2019. 1. I am Requesting CFPB to intervene immediately and require XXXX XXXX to : immediately remove all false and inaccurate information from my credit report. 
2. providing a written letter confirming I have no responsibility for this fraudulent account. 3. Conduct a full investigation into how this account was fraudulent opened and provide me with a full related records. 4. Cease all further inaccurate credit reporting and ensure compliance with the FCRA.

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 2025-03-11 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
My loan ended with Bridgecrest on XXXX of XXXX when that happened a had a remaining balance of {$1700.00}. Previous to that, I filed a complaint with CFPB because they kept adding to my balance and I demanded an investigation to let me know the months that I was late according to them and they just provided me with statements and never helped. I continued paying my balance down of {$1700.00} since XXXX of XXXX that was my balance and never went down. i called them telling them my plan was to pay my debt and made payments through my app and they were not reporting to my credit as if I was not paying. I had to write a letter directly to them to address my issue because CFPB did not do anything either. they have hurt my chances of becoming a homeowner and now my loan has been paid off and they still have not reported that to my credit, therefore affecting my score. Bridgecrest has violated every single consumer right of mine and blatantly stolen my money with assistance from who I sought help from. they haven't even sent my lien release. if this is happening to me, it is happening to thousands. I hope I get the back up from you that I need this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-03-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2025 I sent an email to XXXX requesting a letter from Well Fargo Settlement stating that {$120.00} is the only amount they are required to pay me. I stated in my email to send letter to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. I have Not received a response. 

See attached email below. 

Best, 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
Hello! My loans have been on and off forbearance due to the problems with the SAVE plan. There have been 3 instances where it shows I have an over due balance despite being in forbearance. The first time I paid the balance. The second time I called them and they were supposed to remove the over due charge. After waiting on hold for 5 hours they did. I looked again and I have another over due charge Mohela is my servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Opened an account at XXXXXXXX XXXX on XXXX. Set up 3 external accounts and XXXX would not give me access to my on line account until I sent them detailed bank statements from the other accounts. After being on hold for an hour the last two days trying to access my account with no success and told its a process that can take 5-7 business days - I asked to close my account which now call back tomorrow. I have many on line accounts with no problems but this bank is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am writing to formally express my concern and dissatisfaction regarding the recent and unexplained reduction of my XXXX XXXX limit. As a responsible user of Chimes services, I have consistently received my pay on a regular schedule, used the MyPay Advance feature responsibly, and repaid my advances in full and on time. However, despite my responsible financial behavior, my advance limit was reduced {$110.00} from the max, without explanation, and my available advance today was less than {$100.00}. 

This reduction appears to have been triggered after I made a necessary and responsible financial decision, paying my rent. If Chimes algorithm interprets fulfilling essential financial obligations as a risk factor, it raises serious concerns about the fairness and transparency of the XXXX XXXX program. The purpose of this service, as advertised, is to assist customers in managing their finances and bridging short-term financial gaps. However, an arbitrary and unexplained reduction in available funds creates unnecessary hardship and disrupts responsible financial planning. 

Furthermore, the lack of human oversight in decision-making exacerbates the issue with the use of an algorithm. Customers who rely on this service, particularly those facing financial hardship, deserve clear, transparent criteria for how advance limits are determined and adjusted. Penalizing responsible financial behavior, such as paying rent and repaying advances on time, seems not only counterintuitive but also potentially deceptive if Chime is not upholding its stated commitment to financial accessibility.

Company response to consumer: Closed with explanation