vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I got a scam call from an individual that was posing to be my financial institution- Wells Fargo XXXX They were able to hoax their way into accessing my Online Banking and adding their card to my XXXX XXXX. When money was then deposited through the ATM by myself, the cash was added into the wrong account/ fraudulent card .I started a fraud dispute with my bank to let them know of the fraud and unauthorized activity ( Including with pictures of screen shots, phone Log, and the card that was " added '' to my mobile wallet and received those funds. Wells fargo still is denying to provide any relief, or even listen to the complete story. They are NOT looking out for their Consumers, This is why a Bank is FDIC Insured, to assist in protecting and safe guarding funds, not to turn their back.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 ) 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 non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have verified and send over twice, documents for my most current address. On XXXX or on Equifax, neither report is showing this also includes my score. Also, They had a freeze on my report that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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 victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX 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 2025-03-26 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> Dear XXXX I am writing to formulate dispute inaccurate reporting on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes citing shams Investigations any other unlawful practices these practices are outlined by the CFPB includes. 

Conducting inadequate investigations that failed to address consumers disputes properly. Reinserting previous disputes inaccurate information without explanation. Failure to notify consumers about investigations results effectively.

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 2025-03-26 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I was a co-signer on a loan with SoFi, which the primary borrower later refinanced on their own on XX/XX/XXXX. The new loan was intended to pay off the original loan, and my responsibility for it should have been removed. However, the bank has failed to properly update my account and still lists the original loan under my name, despite it being marked as closed on my credit reports. I have provided documentation, including the new loan agreement, which confirms that the bank received the disbursement payment for the original loan. Despite multiple attempts to resolve this, the bank has not corrected the issue or provided a satisfactory response. Their failure to update my account properly is inaccurate and may be negatively impacting my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX XXXX XXXX XXXX XXXX - I do not recall ever being late on this account. I asked for the date that I was late but no date was ever provided to me. The 'last activty ' dates are all different as well as 'last reported ' and 'date of last payment. ' This suggest a billing error. Please update this account to never late. 

XXXX - XXXX - This is an open account with inaccurate late payments across the three bureaus which is clear to see there is a billing error. The 'last activity ' dates are wrong, the 'high balance ' is incorrect, 'last reported " dates are wrong, as well as 'last payment ' date. Please update this account to never late due to these billing errors. 

XXXX XXXX XXXX XXXX - This account is reporting positive with no lates on Transunion. How can that be? The 'date opened " dates are inaccurate, as well as the 'hgh balance. ' There are also three different statuses reflected for this account. One bureau says that 'last activity ' date was XXXX while one says XXXX and the other says XXXX. I would appreciate you updating this account to never late due to the many billing errors. 

XXXX XXXX - XXXX - XXXXhe 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX XXXX - XXXX - XXXX 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX - XXXX - XXXX 'payment history ' is different across the three bureaus which suggests a billing error. Please delete. 

XXXX - XXXX - This account is listed as a collection but reporting as open with XXXX. Please delete. 

XXXX - XXXX - The 'payment history ' is different between Equifax & Experian , which suggest a billing error. Please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX - I do not know why this is reporting when I only have one address and this is not my address.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I previously requested an investigation for the following accounts ; however, I have not received any information, and the errors listed below are still being reported on my file. It has been more than 30 days, which exceeds the time frame allowed for completing your investigation. Please note, I am NOT requesting verification at this time. Instead, I am requesting that my credit report be corrected, as it has been longer than 30 days. 

XXXX XXXX XXXX XXXX XXXX - I do not recall ever being late on this account. I asked for the date that I was late but no date was ever provided to me. The 'last activty ' dates are all different as well as 'last reported ' and 'date of last payment. ' This suggest a billing error. Please update this account to never late. 

XXXX - XXXX - This is an open account with inaccurate late payments across the three bureaus which is clear to see there is a billing error. The 'last activity ' dates are wrong, the 'high balance ' is incorrect, 'last reported " dates are wrong, as well as 'last payment ' date. Please update this account to never late due to these billing errors. 

XXXX XXXX XXXX XXXX - This account is reporting positive with no lates on Transunion. How can that be? The 'date opened " dates are inaccurate, as well as the 'hgh balance. ' There are also three different statuses reflected for this account. One bureau says that 'last activity ' date was XXXX while one says XXXX and the other says XXXX. I would appreciate you updating this account to never late due to the many billing errors. 

XXXX XXXX - XXXX - XXXXhe 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX XXXX - XXXX - XXXX 'last activity ' dates do not match and the 'last reported " dates are inconsistent. Please update to never late. 

XXXX - XXXX - XXXX 'payment history ' is different across the three bureaus which suggests a billing error. Please delete. 

XXXX - XXXX - This account is listed as a collection but reporting as open with XXXX. Please delete. 

XXXX - XXXX - The 'payment history ' is different between Equifax & Experian , which suggest a billing error. Please delete this account. 

XXXX XXXX XXXX XXXX XXXX XXXX - I do not know why this is reporting when I only have one address and this is not my address.

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 2025-03-26 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 victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
I received a Visa Vanilla gift card as a gift, which remained unused in a drawer for some time. When I opened it to use it, I discovered that part of the 16-digit card number was missing. Upon contacting Vanilla Gift Card customer service, I was informed that the card had already been used at multiple merchants, including drugstores and fast food restaurants.

I explained that I had just opened the packaging that morning and had not made any purchases. They initiated an investigation and requested the purchase receipt. I clarified that, as the card was a gift, I did not have the receipt. Despite this, they asked for it again via email. I provided photos of the card, the packaging, and reiterated that I did not have the receipt. However, they continued to request the receipt multiple times.

Ultimately, they closed my case due to my inability to provide the receipt. When I escalated the matter to a manager, I was told that an investigation could not proceed without it. This policy is unreasonable, as most recipients of gift cards do not have access to the original purchase receipt. It appears to be a way to avoid responsibility, leaving customers without recourse while the company profits.

If Vanilla Gift Card can not properly investigate fraud cases with the evidence provided, it places the burden unfairly on the customer. It should not be my responsibility to chase down proof of purchase for a gift I received. This practice is both unethical and a failure in customer service. 

I am seeking assistance in resolving this issue. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and non-compliant credit reporting by Equifax on the following accounts : XXXX XXXX ( ending in XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ). Despite three prior disputes, Equifax refused to reinvestigate, claiming no new information was provided.

I have previously submitted new relevant evidence, including : XXXX XXXX : Reporting late payments and a past due balance after the charge-off date, with no activity since XX/XX/XXXX. 

XXXX XXXX : Reporting a collection account without validating the debt, showing no last payment date or proof of ownership. 

XXXX XXXX XXXX : XXXX XXXX CO notations for nearly XXXX years after charge-off and continuing to reflect a past due balance. 

These actions violate XXXX XXXX data formatting standards and FCRA accuracy requirements. I am requesting that Equifax either : Correct the reporting to reflect Pays as Agreed Never Late, or Delete the tradelines entirely if the accounts can not be verified as 100 % accurate, complete, and compliant. 

Supporting documents are attached, including a highlighted copy of my credit report and XXXX XX/XX/XXXX response. Please help ensure a proper reinvestigation is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX has not provided me with a letter of proof with my wet signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I called today XX/XX/year> spoke with XXXX, explain that the payment went up from {$750.00} to {$1100.00} due to the XXXX XXXX that is still being charge on my account as seen on page XXXX of my PDF file. Where it states Expected Payments XX/XX/year> XXXX XXXX {$340.00}. Thus is why my payment for XXXX went from {$750.00} to {$1100.00}. According to agent, reason was because they didn't received the Flood Insurance in time, and that the Escrow Analysis shows the amount of {$1100.00}. But that starting XX/XX/year> my payment go back to {$750.00}. Advised agent that I live in a HOA and that every year SPS states they never get the XXXX XXXX XXXX from my Association. Yet, every other bank does!!! I advised that the Escrow Analysis has to be done again to remove the XXXX XXXX for XX/XX/year> which will result in monthly payment going down too {$750.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported by XXXX XXXX Navient on all three of my credit reportsExperian, XXXX, and XXXX. Specifically, XXXX XXXX Navient is falsely reporting that my student loan payments were XXXX and XXXX  days late. This information is incorrect and misleading. I have attached a copy of my credit report with the inaccurate entries clearly highlighted for your review. These false late payment notations are seriously damaging my credit profile and must be corrected. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Furthermore, under 1681i, the credit bureaus have an obligation to reinvestigate any disputed information in a timely manner. I respectfully demand that this erroneous information be corrected or removed from all XXXX  credit reports and that I receive written confirmation of the investigation results and any corrective actions taken. The ongoing negative impact to my creditworthiness is unjust and requires immediate attention.

Company response to consumer: Closed with explanation