vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: SC

Complaint narrative:
I was negatively impacted by EXPERIAN, hurting my chances at obtaining credit after receiving a response to my earlier dispute that the accounts were " verified ''. But there are no details about the investigation. 

I recently found several items on my report to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if 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. 

Please remove the following items from my credit report immediately : 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 2025-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-18 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Purchased new car XXXX with financing thru Chase Bank - 48 monthly payments. I set up automatic payment from my XXXX XXXX XXXX XXXX checking account. 
Loan was paid off XX/XX/XXXX. I reeved title and pay off notice from Chase.. 
On XX/XX/XXXX Chase Bank tried to take a further monthly payment from my account. 
I believe Chase Bank has no right to take payment for a loan that has been paid off. 
Quite simply put - Taking something that you have no right to is just plain theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im denied pre-approved credit cards from XXXX XXXX and XXXX XXXX due to deceptive Experian practices. XXXX Experian scored my credit as XXXX, Experian reported the following as cause for my denial of pre-approved cards : Length of time accounts have been established : My oldest account was established XXXX  years ago. 
Lack of recent installment loan information : I have no ( zero ) installment loans. I own my home, car, and all possessions. 
Amount owed on revolving accounts is too high : The credit card limit on my XXXX XXXX is {$32000.00}, with a current amount due of {$350.00}. 
My income is {$190000.00} per year. 
Additionally, after creating an Experian account to understand why I was denied pre-approved cards, Experian offered other credit cards and services to me. Experian is not a reporting bureau. It is a scam, pushing its own products to the detriment of consumers. 
I easily qualified for a pre-approved XXXX XXXX, with a {$32000.00} limit, via my XXXX bank account. 
Please take action to protect me and other consumers from Experian 's deceptive practices. 
I look forward to your response. I can be reached on XXXX should you require additional 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 2025-05-18 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:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 non-monetary relief
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-18 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/scrub> 2025, I sent a formal dispute to Citibank regarding an account they reported as a charge-off on my credit report ( Account ending in 1847 ). I cited multiple violations of the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681a ( 2 ) ( A ) ( i ) and 1681s-2 ( a ) ( 1 ) ( A ), and requested the immediate deletion of this account based on its inaccurate and misleading nature.

Citibank responded by stating they completed their investigation and would mark the account as disputed on my credit report. However, they did not address the specific issues I raised, did not provide any documentation supporting the accuracy of the reporting, and did not perform a reasonable investigation under FCRA 1681s-2 ( b ). Simply stating the account is accurate without verifying the factual basis does not meet the legal standard for a proper investigation.

I am requesting that the CFPB review this issue and hold Citibank accountable for failing to conduct a meaningful investigation and failing to respond properly to my FCRA dispute.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX was promoting on XXXX live on XX/XX/year> ; initially they provided a XXXX message number XXXX for contact ; at first it seems that they sell well made products but once you look closer they appear non-reputable. A transaction in the amount of {$100.00} appears in my Wells Fargo Credit Card as of XX/XX/year>, and now they will it answer any of my messages. As a consumer I feel powerless over these scammers. Please investigate the scammers as I want my money back and now they refuse to answer any messages. According to them its order 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 explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made one late payment last year which dropped my credit score XXXX points. It is the only late payment I have in my entire credit history. At the time I made the late payment, I was going through a divorce and dividing assets. i was also hit by hurricanes helene and milton in that same timeframe.

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 2025-05-18 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential 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 non-monetary relief
Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
I am now formally requesting detailed proof of the previous investigation regarding the XXXX XXXX account on my credit report. Specifically, I ask that you provide : The method of investigation used The names, business addresses, and phone numbers of any parties contacted Documentation relied upon to verify the reported late payments Proof that this account was actually late on the disputed dates If this information can not be provided within 15 days, I request that the account be corrected to reflect PAID/NEVER LATE and that a copy of my updated credit report be sent to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Account Transworld System INCXXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account Transworld System INC/94 XXXX XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I filed a formal dispute with XXXX  regarding a collection account reported by LVNV Funding that does not belong to me. I also submitted a signed Identity Theft Report through IdentityTheft.gov and provided supporting documentation via certified mail. Despite this, XXXX has failed to remove the inaccurate account, and LVNV Funding continues to report the debt, violating my rights under the Fair Credit Reporting Act ( FCRA ). On XXXX/2025, I mailed a dispute letter certified to XXXX along with a completed FTC Identity Theft Report and supporting documents ( proof of identity and address ). The account in question is a collection from LVNV Funding, account number ( XXXX ) which I did not authorize and do not recognize. Over 30 days have passed, and this account remains on my credit report. XXXX  failed to properly investigate or remove the item as required under the FCRA and Section 605B. I believe both XXXX  and LVNV Funding are in violation of federal law by continuing to report this fraudulent account after receiving formal notice and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: AL

Complaint narrative:
Account I. C. System, INC XXXX XXXX XXXX, # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account I. C. System, INC XXXX XXXX XXXX, # XXXX as soon as possible from my report or I will have to take 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 2025-05-18 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$27000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
On my credit report, it is documented that an account was opened on XX/XX/year> with XXXX XXXX in the amount of {$3200.00}. I never opened this account on XX/XX/year>. There isnt even a credit inquiry on XX/XX/year> on my credit report for this account. I dont have a legal contract with XXXX XXXX XXXX XX/XX/year>. This account needs to be removed from my credit report, because it is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: IA

Complaint narrative:
On XXXX XXXX, 2025, I engaged in a telephone conversation lasting approximately 20 minutes with a representative of your company. During this call, the representative and I established a payment arrangement in the amount of {$2400.00}, which I agreed to pay the following week.

When the scheduled payment date arrived and I attempted to make the agreed-upon payment, I was informed by a different representative that they were unable to accept the {$2400.00} payment. Instead, I was told that I needed to pay {$4500.00}. When I explained that a previous representative and I had already established the {$2400.00} payment arrangement, I was told that the first representative was incorrect.

I requested to speak with a supervisor, who proceeded to explain in a discourteous manner how far behind my payments were and insisted that I needed to pay either {$4500.00} or the full amount of back payments. Despite my repeated attempts to explain the previously arranged payment agreement of {$2400.00}, the supervisor refused to honor this arrangement.

Approximately one week later in XXXX, I received a call from yet another representative who was reviewing my paperwork. During this conversation, I requested copies of my most recent payments, as I believed they may have been misapplied. The representative did not address this request and instead informed me that the supervisor with whom I had spoken previously had escalated my file to foreclosure status.

I am disputing these actions as I attempted to fulfill the payment arrangement as originally agreed upon with your company 's representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 : OFFICE OF THE ATTY GENERAL Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : Not Provided These accounts have directly violated my rights to privacy, in accordance with 15 USC 1681 section 602 A. Furthermore, 15 USC 1681 section 604 A states that a consumer reporting agency can not furnish an account without my expressed written instruction.

15 USC 1681c ( a ) ( 5 ) states, ... No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which ante-dates the report by 7 years 15 USC 1681s-2 ( a ) ( 1 ) states, ... 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: PR

Complaint narrative:
Payment History Doesn't Match Delinquency Accounts Doesnt Match All 3 Of My Balances Are Wrong On My Credit Report And 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 2025-05-18 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: CA

Complaint narrative:
There are XXXX separate loans listed on my credit report. On XXXX XXXX, 2025, I received confirmation that my loans with XXXX  were refinanced and transferred to a new servicer, XXXX. Therefore, the information currently reported by all three credit bureaus 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 non-monetary relief