vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 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: CO

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : XXXX, Capital XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to resolve this issue. I previously requested a re-investigation, but these agencies closed my last complaint without addressing the ongoing inaccuracies, which are still present on my credit report. 
This situation violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i : The credit bureaus failed to conduct a proper re-investigation of the disputed information, leaving erroneous data on my credit report.

FCRA Section 1681e ( b ) : The agencies have not ensured that the information on my credit report is accura
te and complete. The inaccurate data still remains, suggesting that reasonable procedures to verify the information were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without adequate investigation or meaningful action, violating the legal requirement for proper dispute resolution and follow-up. 

Despite my multiple attempts to resolve this, the inaccuracies persist. I demand that TransUnion, XXXX, and XXXX comply with the FCRA by promptly correcting my credit report and conducting a thorough re-investigation of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to resolve this issue. I previously requested a re-investigation, but these agencies closed my last complaint without addressing the ongoing inaccuracies, which are still present on my credit report. 
This situation violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 1681i : The credit bureaus failed to conduct a proper re-investigation of the disputed information, leaving erroneous data on my credit report. FCRA Section 1681e ( b ) : The agencies have not ensured that the information on my credit report is accurate an
d complete. The inaccurate data still remains, suggesting that reasonable procedures to verify the information were not followed.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : My dispute was closed without adequate investigation or meaningful action, violating the legal requirement for proper dispute resolution and follow-up. 

Despite my multiple attempts to resolve this, the inaccuracies persist. I demand that XXXX, Experian, and XXXX comply with the FCRA by promptly correcting my credit report and conducting a thorough re-investigation of the disputed items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding 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 2025-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I deposited a check into my Wells Fargo checking account for {$8700.00} on XX/XX/XXXX, for some equipment and moving fees. The check listed as cleared on XX/XX/XXXX, I confirmed digitally and at my local branch. I then wired the moving company {$5700.00}, to get the process moving and on XX/XX/XXXX the check was deemed fraudulent and the money removed from my account. No equipment was transacted or shipped. 

The account had about {$11.00} in it prior to the deposit and I never would have initiated the wire transfer if the fraudulent check was not marked & confirmed as cleared. 

I wired {$5700.00} to another Wells Fargo account and it cleared only to have the check bounce 2 days later and me being on the line for {$5700.00}. I have repeatedly electronically sent Wells Fargo appeals which have all been denied and Wells Fargo is holding me completely responsible for the situation. 

Please assist me in dealing with Wells Fargos flawed systems that has me the victim of a scam while they claim no culpability for this fraud, which they facilitated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/year>, I disputed a purchase on my account. I disputed this purchase because what I had paid for was not received. After waiting a whole month for resolve and a reply, they said I lacked evidence on not receiving what I purchased, they also made this decision less than XXXX hours of asking me to send evidence and on the app it says I failed to send any evidence at all which is not true at all. They denied my claim and Im left to pay XXXX XXXX  for goods they admittedly messed up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Sometime in XXXX and XXXX someone went to the doctor and use my personal information. I contacted the company. Tell them that my information was used that it was not me they have insist on collecting {$890.00}. They have made several phone calls calling several times a day even at my job saying that I owe this money and I need to pay it I have provided this company with documentations showing that this was a fraud account. The company has refused to do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for their refusal to conduct a reasonable investigation into inaccuracies on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the inaccurate and derogatory information on my credit report, including a bankruptcy record. This bankruptcy is reporting with discrepancies, as it only lists an incorrect court name, a reference number, and a filing date. The incomplete and inaccurate reporting has negatively impacted my creditworthiness. 
In my dispute letter, I ensured to include a copy of my driver 's license, Social Security card, and proof of address to verify my identity in accordance with the FCRA. Despite my compliance, Experian refused to conduct an investigation. I received an email response from them stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the FCRA, if accounts are inaccurately reporting, I have the right to file a dispute with the credit reporting agency. Experian 's refusal to investigate my dispute constitutes a clear violation of my consumer rights under 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 2025-01-03 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: FL

Complaint narrative:
My name is XXXX XXXX, and Im writing to file a complaint about several fraudulent accounts that have been added to my Experian credit report. These accounts were opened in my name without my knowledge or consent, and theyve caused significant damage to my credit score and my ability to move forward in life. Heres a list of the fraudulent accounts and information Ive identified : XXXX. XXXX, Account Number : XXXX, Balance : {$990.00} XXXX. Address : XXXX XXXX XXXX XXXX, Fl XXXX Ive already taken the necessary steps to address this issue. Ive filed disputes with Experian, submitted an FTC Identity Theft Report, and even filed a police report. Despite all of this, these accounts are still on my credit report, and theyre continuing to harm me. UnderFCRA Section 605B ( 15 U.S.C. 1681c-2 ), Experian is required to block and remove fraudulent information from my credit report once Ive provided proper notice and documentation, which I have. Im asking for Experian to comply with this law and immediately remove these accounts from my credit report. This situation has had a devastating impact on my life. Because of these fraudulent accounts, Ive been denied the ability to secure an affordable home, purchase a reliable car, and improve my financial situation. Its incredibly frustrating to know that my credit report is being weighed down by accounts that I didnt open, and Experians failure to act is only making things worse. Im asking for the CFPBs help to ensure that : XXXX. Experian immediately blocks and removes all fraudulent accounts from my credit report. XXXX. Experian notifies any parties who accessed my credit report in the past XXXX months of the corrections made. XXXX. Experian complies fully with its obligations under the FCRA to resolve this issue and prevent further harm to my credit profile. If Experian doesnt take the necessary steps to resolve this, Im prepared to escalate the matter further, including pursuing legal action to recover damages caused by their inaction. I am expecting quick compliance in the required time frame, I appreciate your full attention with respect to this matter. 
This is NOT a repeat dispute, unfortunately EXPERIAN wont update any information until a NEW report is submitted every time there is another account to be disputed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My account with EQUIFAX XXXX XXXX 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! 


XXXX5 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. 


EQUIFAX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: WV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: WV

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with EQUIFAX 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.

EQUIFAX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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