vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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:
I am writing to formally dispute inaccurate information on my credit report. that I believe harming my financial well-being. I am aware of my rights under the FCRA and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the CFPB filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fall to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may mishandled in a similar manner.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle said within minutes and it took hours the last time I was stranded and my mom sent me close to {$300.00}. It never helped. It came the next morning. This was in the beginning of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: CO

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXX XXXX  XXXX ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX  XXXX ( XXXX ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 
Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally address the negative accounts that have been placed on my credit report by your bureau. These accounts, which are falsely reported as owed by me, are the result of identity theft. I have already reported to your bureau that I was a victim of identity theft, providing the necessary documentation to support my claims. Despite this, the accounts in question XXXX XXXX, XXXX XXXX still remain on my credit report, and your bureau has failed to conduct a proper investigation into the legitimacy of these entries. 

The continued reporting of these fraudulent accounts is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure that the information reported on consumers credit reports is accurate, complete, and up to date. Under the FCRA, it is the responsibility of the credit reporting agencies to investigate any disputed items, especially when the consumer has provided evidence that they are a victim of identity theft. To date, no such investigation has been conducted on these accounts, and they remain on my credit report, incorrectly reflecting my creditworthiness. 

The presence of these negative items on my credit report has had a significant and adverse impact on my credit score and overall creditworthiness. As a result, I have been denied credit and faced higher interest rates, which is further proof of how these fraudulent entries are damaging my financial standing. The failure to remove these items after being informed of the identity theft and the lack of an investigation constitutes a direct violation of my rights under the FCRA. I request that these accounts be immediately removed from my credit report, as they are not a true reflection of my financial history or obligations.

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 2025-02-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX Last 4 of my SSN : XXXX Date of Birth : XX/XX/XXXX PERMISSABLE PURPOSE LETTER Equifax Experian Transunion RE : Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX XXXX XXXX never gave Experian, Transunion, Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 US 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

To all parties involved, EXPERIAN TRANSUNION XXXX XXXXXXXX XXXX XXXX, this is a cease and desist order. Remove fraudulent debt from my consumer reports within 30 days. 
As a consumer, I am demanding the deletion of the following account ( XXXX ). 
Names : XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX Change XXXX ID # : XXXX XXXX XXXX  ID # : XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX Tx, XXXX ; ID # : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX ; ID # ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx, XXXX XXXX ID # : XXXX Collections : XXXX  XXXX XXXX XX/XX/XXXX ; Total : {$480.00} Collection XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX ; Total : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX ; Total : {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Total : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2900.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2000.00} Hard Inquiries : XXXX  XXXX  ; Inquired on XX/XX/XXXX Again, due to the lack of my consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses. Due to me being victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Equifax, Experian, TransUnion is in violation of 15 USC 1692c/b.

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the

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 2025-02-18 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:
Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX  XXXX XXXX XXXX XXXX, Tx XXXX Last 4 of my SSN : XXXX Date of Birth : XX/XX/XXXX PERMISSABLE PURPOSE LETTER Equifax Experian Transunion RE : Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX XXXX XXXX never gave Experian, Transunion, Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached to this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 US 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

To all parties involved, EXPERIAN TRANSUNION XXXX XXXXXXXX XXXX XXXX, this is a cease and desist order. Remove fraudulent debt from my consumer reports within 30 days. 
As a consumer, I am demanding the deletion of the following account ( XXXX ). 
Names : XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX XXXX XXXX ID # : XXXX XXXX T XXXX ID # : XXXX Change XXXX ID # : XXXX XXXX XXXX  ID # : XXXX Addresses : XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX XXXX Tx, XXXX ; ID # : XXXX XXXX XXXX XXXX. XXXX Tx, XXXX ; ID # : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX ; ID # ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx, XXXX XXXX ID # : XXXX Collections : XXXX  XXXX XXXX XX/XX/XXXX ; Total : {$480.00} Collection XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX ; Total : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX ; Total : {$640.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; Total : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2900.00} XXXX XXXX XXXX XX/XX/XXXX ; Total : {$2000.00} Hard Inquiries : XXXX  XXXX  ; Inquired on XX/XX/XXXX Again, due to the lack of my consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses. Due to me being victim of identity theft, so be it, and Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Equifax, Experian, TransUnion is in violation of 15 USC 1692c/b.

Thank You, I swear to all information provided herein, I do so under the penalty of perjury that the

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 2025-02-18 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: NV

Complaint narrative:
In according with Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account name : XXXX XXXX XXXX Account number : XXXX 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 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 annotates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows of 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 2025-02-18 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: NV

Complaint narrative:
In according with Fair Credit Reporting Act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Account name : XXXX XXXX XXXX Account number : XXXX 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 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 annotates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) a person shall not furnish any information relating to a a consumer to any consumer reporting agency if the person knows of 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. National Credit System does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-02-18 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: EQUIFAX, INC.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Reporting Error & Notice of Potential Liability for Negligent Noncompliance ( 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and noncompliant with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 

Upon reviewing my credit report, I have identified the following discrepancies : 1. [ Describe the error or inaccurate iteme.g., incorrect account information, late payments, etc. ] 2. [ Explain why you believe the item is incorrect, i.e., mistaken identity, paid debt, etc. ] Under 15 U.S. Code 1681o, you are required to ensure that the information reported to consumer reporting agencies is accurate and in compliance with the FCRA. Your failure to investigate or correct this inaccuracy in a timely manner could subject you to civil liability for any damages incurred due to this negligence. 

I request that you immediately investigate this dispute, as required by the FCRA, and provide me with written confirmation of your actions. If you are unable to verify the accuracy of the disputed item, I request that it be removed from my credit report in accordance with federal law. 

Please respond within the time frame specified by the FCRA ( 30 days from the date of receipt of this letter ). Failure to correct or adequately investigate this issue will leave me with no choice but to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for any damages caused by your negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving a response from you as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Credit Reporting Error & Notice of Potential Liability for Negligent Noncompliance ( 15 U.S. Code 1681o ) Dear Sir/Madam, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and noncompliant with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 

Upon reviewing my credit report, I have identified the following discrepancies : 1. [ Describe the error or inaccurate iteme.g., incorrect account information, late payments, etc. ] 2. [ Explain why you believe the item is incorrect, i.e., mistaken identity, paid debt, etc. ] Under 15 U.S. Code 1681o, you are required to ensure that the information reported to consumer reporting agencies is accurate and in compliance with the FCRA. Your failure to investigate or correct this inaccuracy in a timely manner could subject you to civil liability for any damages incurred due to this negligence. 

I request that you immediately investigate this dispute, as required by the FCRA, and provide me with written confirmation of your actions. If you are unable to verify the accuracy of the disputed item, I request that it be removed from my credit report in accordance with federal law. 

Please respond within the time frame specified by the FCRA ( 30 days from the date of receipt of this letter ). Failure to correct or adequately investigate this issue will leave me with no choice but to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies for any damages caused by your negligent noncompliance. 

Thank you for your prompt attention to this matter. I look forward to receiving a response from you as soon as possible. 

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is my second complaint and is tied to all info listed in my first complaint. Wells Fargo has been unable to show me that they removed the promised fees. I have this promise recorded on phone call. Failure to resolve this is will result in giving the recorded video to multiple media outlets. Wells Fargo has also threatened to report me to the XXXX XXXX XXXX for these mis-managed fees. 

*** I do NOT want to be contacted by the same person ( XXXX ) that contacted me before as they were unable to resolve the issue! If I am contaced by this person again, I will file another complaint! ***

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