vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on my credit report. 

Dear Experian, I am writing to formally dispute inaccurate information 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 " sham investigations '' and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail 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 be 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IL

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 Committee 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 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 2025-02-06 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: IL

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 Committee 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 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 2025-02-06 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
i am currently not in repayment yet for mohela and yet. im also XXXX XXXX XXXX. they are adding interest to my account for 2 separate loans, i was supposed to owe only XXXX and yet they raised it up to XXXX and for another one XXXX to XXXX and another one. This is unacceptable and not ethical im not in repayment yet and i still plan to go to school these fees/ add ons need to be waived. they also are not contacting me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX branches in the XXXX were handed over to Citizens a couple years ago. 

Credit cards were replaced to reflect the change in banking institution and previously saved preferences were not carried over. I had no information on how things would be handled. 

As a result undue interests were charged. 

I already requested that a gesture be applied, but Citizens wouldn't hear my rationale. 

I also file a claim on here which was dismissed without favorable outcome. 

I keep reaching out to the Citizens consumer services, by email and by phone but it is IMPOSSIBLE to get ahold of them. Just as if they were on purpose ignoring attempts to discuss the issue. I need the total amount of interests charged. 

I really need help from the CFPB ). 

Thank you so much, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Credit Bureau Services Association
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Improper use of my report I am writing to formally dispute an inaccurate entry on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 an account without my written instructions, which I have not provided.

Specifically, I am disputing the following information that appears on my credit report : Account Name/Number : XXXX Account number XXXX Nature of Discrepancy : My account and information has been sold to a third party company and my information has been shared with them without my permission.

I request that you conduct a full investigation into the above-disputed item ( s ) and provide me with the results within the 30-day period as stipulated by the FCRA. According to Section 1681i of the FCRA, you are required to investigate the disputed item ( s ) and correct any inaccuracies, or delete the information if it can not be verified.

Please provide me with a written response outlining the results of your investigation and any updates made to my credit report. Additionally, if you find that the information is indeed inaccurate or unverifiable, I request that the entry be removed from my credit report, as required by law. 

Please acknowledge receipt of this dispute and inform me of the steps you will be taking to resolve this matter. 

Thank you for your prompt attention to this issue. I look forward to your response in the time frame set forth by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I called the company they stated i had to pay {$1.00} to have my report reviewed by them, prior to to accepting payemtn from me, when i asked if that was procedure i wasnt given an answer, i know the FCRA states no payemtn can makde that is not directed towards thge owed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: WLCC
State: NV

Complaint narrative:
I did not take out a loan with this company and they are contacting me at all hours. I have blocked them and the messages go to my voicemail. I receive calls from Fast Day Loans several times a week today, XX/XX/year>, being the most recent. I have not answered their call nor returned their call. The call comes from XXXX and a robot leaves a VM to call back at XXXX. Researched both numbers and both come back as spam calls. I do not have a dollar amount because I did not utilize this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
the collection agency has engaged in false and misleading practices violating 15 U.S.C section 1692 G & 15 U.S.C section 1681 S2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.

Complaint narrative:
Account was charged off and was not notified via mail. Military member and moved states a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: HW Holding, Inc
State: FL

Complaint narrative:
formally disputing an account that has been opened in my name without my authorization. After reviewing my personal and financial records, I can confirm that I did not open this account, nor did I provide consent for anyone to do so on my behalf. I was first made aware of the account when I received a notification, which I did not initiate. 

Upon reviewing the account details, I found unfamiliar transactions and information that do not match my personal records. This strongly suggests that the account was fraudulently opened using my personal information, without my knowledge or permission. 

I have taken the necessary steps to address this matter, including reporting the incident to the appropriate authorities and reviewing my credit report for any additional fraudulent activity. To prevent further misuse of my information, I have placed a credit freeze. 

I am requesting that an immediate investigation be conducted, the fraudulent account be closed, and any negative impact on my credit report be rectified. I am available to provide any additional information or documentation needed to assist with the resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
ACCORDING TO THE IRS CODE 1099C IS REPORTED AS INCOME THIS COMPANY IS REPORTING A CHARGE OF ON MY REPORT AND ARE STILL REQUESTING THAT I PAY THEM AND REPORTING INCOME ON MY CREDIT PLEASE REMOVE OFF OF MY CREDIT IT IS ILLEGAL TO REPORT INCOME ON MY REPORT

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 2025-02-06 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:
ACCORDING TO THE IRS CODE 1099C IS REPORTED AS INCOME THIS COMPANY IS REPORTING A CHARGE OF ON MY REPORT AND ARE STILL REQUESTING THAT I PAY THEM AND REPORTING INCOME ON MY CREDIT PLEASE REMOVE OFF OF MY CREDIT IT IS ILLEGAL TO REPORT INCOME ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

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 2025-02-06 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: PA

Complaint narrative:
Fact, that I am requesting books of accounts and financial and corporate records regarding this alleged debt pursuant to 15 usc 44.

" Documentary evidence '' includes all documents, papers. correspondence, books o ( iccount, a a financial @ nd corporate records. " Acts to regulate commerce '' means subtitle IV of title 49 and the Communications Act of 1934 |47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto,. No such debt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-02-06 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
I filed a dispute on { XXXX XXXX XXXX XXXX and Exeter Financ LLC } XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: NC

Complaint narrative:
In XX/XX/XXXX company contacted me and claimed I owed the debt to the company XXXX XXXX, in my last communication with XXXX XXXX, I owed {$2000.00}, I paid the rent for XXXX and our lease ended in XXXX, by XX/XX/XXXX the account was reported for {$4700.00}, after speaking to the XXXX XXXX team, I paid the collections company the XXXX XXXX for a deletion totaling the remaining balance.

the company is still pursuing me for XXXX and won't give any formal notice of why I owe this amount and if I am the owner of this debt.

they have also threatened me with legal action and said I am committing a crime by not paying them what I owe THEM, to which I responded by asking for legal paper served to take the matter to small claims to find out if both I and my ex-husband are being equally pursued or if this was a fraud. they have ceased contact but won't stop reporting on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, my phone and wallet were stolen, leading to unauthorized digital charges made with my Apple Cards virtual card number. I promptly reported these fraudulent transactions to Goldman Sachs, expecting a thorough investigation and a resolution that would reflect my lack of liability for the unauthorized charges. However, Goldman Sachs failed to conduct a proper investigation and instead denied my dispute without sufficient explanation.

These illegal charges were made over a matter of months and once I was made aware of such I contacted the credit card department. Out of the country transactions were made without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
Was victim of identity theft this is a fraudulent account never lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress.

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records.

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief