vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
On XX/XX/year>, I submitted a written request to ChexSystems for a full consumer file disclosure as allowed under the Fair Credit Reporting Act ( FCRA ). I included all necessary details, such as my name, Social Security Number ( last four digits ), and mailing address. Additionally, I requested that all communication regarding this matter be conducted exclusively via mail due to persistent issues accessing their online system. 

Despite the legally required timeframe for providing such disclosures, ChexSystems has failed to respond or provide the requested information within 30 days. I sent a follow-up letter on XX/XX/year>, reiterating my request and demanding immediate action. To date, I have not received any response or the requested information. This lack of response is a violation of my consumer rights under the FCRA and has left me without access to critical information regarding my file.

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 2025-01-13 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

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 2025-01-13 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:
XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, Block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Considering the recent CFPB lawsuit filed against Experian on XX/XX/XXXX, I insist that you conduct a thorough investigation as required by FCRA law. Please do not accept the findings of furnishers who fail to provide detailed results of their investigations. I would appreciate receiving these findings in writing, as I want to ensure that the information reported is accurate and fair. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Experians Mishandling of My Credit Disputes Dear CFPB, I am writing to formally express my concern and frustration regarding Experians improper handling of credit report disputes, which directly aligns with the allegations outlined in your recent lawsuit against Experian. As a consumer who has been personally impacted by these practices, I feel it is imperative to share my experience and seek your assistance in ensuring that my concerns are addressed. 
Over the past few years, I have submitted multiple disputes to Experian regarding inaccuracies on my credit report. Despite providing clear and supporting documentation with each submission, Experian has repeatedly failed to properly investigate my claims. Instead, the disputes were resolved in a manner that appeared superficial and lacked a thorough review of the evidence provided. Furthermore, some of the inaccuracies that were previously deleted have been reinserted into my credit report without proper notification or justification, compounding the harm caused to my financial standing. 

These errors have caused undue stress, harmed my ability to access affordable credit, and have impacted my financial stability. Experians apparent failure to conduct meaningful investigations and its repeated reinsertion of inaccurate information further demonstrate systemic issues in its dispute-handling processes. 
I am seeking your assistance to : Ensure Experian conducts a comprehensive and impartial investigation into my disputes, including a detailed review of the documentation I have provided. 
Hold Experian accountable for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ) and for any additional violations outlined in your lawsuit. 
Advocate for systemic reforms to prevent other consumers from experiencing similar harm in the future. 

Thank you for your time and attention to this matter. Please feel free to contact me at XXXX or XXXX if further information or clarification is required. 

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 2025-01-13 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: NC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I am not liable for this debt of {$770.00} with XXXX XXXX XXXXXXXX Account # XXXX I do not have a contract with XXXX XXXX XXXXXXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2025-01-13 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: FL

Complaint narrative:
I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) 5-1002.142 ( b ) ( 7 ) .I am a victim of human trafficking of Debt Bondage and is requesting for all listed accounts to be blocked and deleted from my credit file within four business days, pursuant to Section 605B and 605C of the FCRA laws. The fraudulent information is reporting on my credit file which is held by the 3 major Consumer Reporting Agencies, TransUnion, Equifax, and Experian. According to Section 605B, and 609 of the FCRA laws, the information must be blocked, removed, and deleted if it is inaccurate due to fraud and identity theft within four business days, and for consumer reporting agencies to clearly and accurately disclose all information in a credit file and verify accuracy of the disputed information. The fraudulent and inaccurate accounts that are requested to be deleted are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The reports also include inaccurate addresses and employers and need to be removed immediately.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was involved in a scam where I lost {$18000.00} between XX/XX/year> and XX/XX/year>. It was a job scam where I was participating with the expectation that I would receive my money back. But after a few days the scammers were holding around {$9000.00} of my money hostage unless I deposited another large amount of money. I tried to get my money back by depositing another 9k and they kept the entire amount.

I have filed a case with cyberclaims and we were at the point that they instructed me to file a claim with Wells Fargo in order to restore the withdraws from my account that were related to the scam. They refused because the money was sent via bitcoin then to the scammers so there is no way for them to recover the money. Well there is also no way for me to recover the money, I was the one who was scammed.

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 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America was charging me {$25.00} per month from XXXX through XXXX. I called and spoke to representative and they would only refund me {$50.00} out of the XXXX they took. This account was opened in 2009 I believe and was never charged a monthly maintenance fee. I never received any correspondence in the mail or through email in regards to the fees being taken out of account.

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 monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies responsible for reporting these accounts, I discovered that these actions were initiated without proper validation or original proof from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or improper reporting by creditors or third-party data furnishers. 

I request that these items be thoroughly investigated and removed from my credit report. If you are unable to provide the necessary proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-13 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: MS

Complaint narrative:
So my phone and wallet were stolen I have had to file dispute with 2 other banking institutions because of this but my account was used fraudulently and I disputed the charges with Albert back the app. I provided them with documents and I filled out the paper work they requested. I did everything they wanted and they told me I would get my money back and they said because who ever had my phone was using my account like I reported to them they said that I approved it and I did not. It was fraudulent charges I did not approve or authorize. I did everything they asked me to do to get my money back and they said that weren't giving me my money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I was sent a promo offer from Mastercard XXXX card about a 4.99 % promotional apr on balance transfers. I accepted this offer via email which took me to the XXXX card website. After logging in I was prompted to make my balance transfer, so I did. This was apparently not the promotional apr however and I now have to deal with a higher apr than what was promoted. This is predatory practice. Im sure Im not the only person affected by this. Any help would be appreciated.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the following Names and addresses off my Credit Report Immediately, and they remain. Again, after the request, someone tried to set open accounts in my name. 
These are completely wrong and need to be removed. 
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

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 2025-01-13 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, which I believe are the result of a data breach, fraud, or unauthorized activity. I request that you provide verifiable proof, including my signature or electronic signature, for any reported accounts or inquiries. This letter is submitted by me personally, not by a third party, and I ask that you review it carefully. 

I did not authorize any actions related to these accounts or inquiries, and I believe they represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, Section 605B addresses the blocking of information resulting from a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 covers permissible purposes for consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies responsible for reporting these accounts, I discovered that these actions were initiated without proper validation or original proof from the reporting entities. Since I never authorized these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or improper reporting by creditors or third-party data furnishers. 

I request that these items be thoroughly investigated and removed from my credit report. If you are unable to provide the necessary proof of authorization, I expect these entries to be corrected in accordance with the law. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief