vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I submitted a copy of my FTC Identity Theft Affidavit to all XXXX major bureaus, XXXX, XXXX, and Experian, and an IRS Identity Theft Affidavit dated XX/XX/XXXX. My previous last name was XXXX at the time of my last request to have this inaccurate information removed. I have since remarried and my last name is now XXXX XXXX I also submitted an amended FTC Identity Theft Affidavit to XXXX and Leasing Desk dated XX/XX/XXXX and again on XX/XX/XXXX. I have had to submit these affidavits continuously because the accounts listed on my credit reports continue to be added back erroneously and unlawfully. Leasing Desk removed the erroneous report of an eviction on XX/XX/XXXX and sent me the corrected report. There is now another eviction previously removed by XXXX from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX re-reporting by them per XXXX Rental Screening. This address was in my initial ID Theft Affidavit from XXXX. I have asked them to remove this item immediately as it should have been deleted, blocked, and removed years ago. There is also a report from XXXX and XXXX from XXXX XXXX for {$1100.00} and {$440.00}, XXXX XXXX XXXX {$4900.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$1100.00}, XXXX {$210.00} and XXXX {$3400.00} that are not mine. This is damaging my credit rating and keeping me from obtaining a new place of residence and other credit. XXXX asked me to re-submit the same documents they already have on file, which they acknowledged receipt of and are saying it could take up to XXXX days. This is a blatant disregard of the FCRA law XXXX and I need these items removed immediately and permanently within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NY

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 2025-04-05 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Courtesy Finance LLC
State: GA

Complaint narrative:
Courtesy Finance has never been late and account has been paid in full. Please have this updated correctly on credit report, currently in the e process of purchasing a home and I need this reporting correctly on all 3 reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an issue with Zelle payment services for not giving me the correct warnings when using there services and violated my privacy and when I reached out to Zelle they did not help me or even try to fix problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/XXXX someone used my debit card info to make several purchases at at least 7 or 8 different XXXX locations across the country, all in states where I do not live. I live in NH and all these purchases were no where near NH. Not only did Bank of America not flag the first fraudulent activity and contact me, they proceeded to let this person continue to make several purchases, all totally over {$700.00}. I had to call them to tell them to close my card immediately and I submitted a claim. They gave me my money back but It took them three months to address the claim and now they are denying the claim and charging me the {$770.00} dollars that never should have been stolen from me to begin with. Now my account is negative because I dont have these funds to begin with.

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 2025-04-05 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: MS

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
I filed a dispute with Experian regarding an account that was supposed to be removed from my credit report following an agreement with the reporting company, XXXX XXXX, as per their instructions. In XX/XX/XXXX, I received a letter from XXXX XXXX stating that if I surrendered my car, they would remove the associated debt from my credit report. 

I followed their instructions and surrendered the vehicle. However, XXXX XXXX failed to retrieve the vehicle, and by the end of XX/XX/XXXX, the car was towed by the city police. I promptly informed XXXX XXXX in XX/XX/XXXX, providing evidence of the vehicles tow and storage. Despite this, XXXX XXXX insisted that I was responsible for the impound fees, and they did not take responsibility for the failure to retrieve the vehicle, even though they had ample time to do so. 

I have video proof showing consensual communication with representatives of XXXX XXXX, where they admitted to breaching their agreement. They confirmed that if I surrendered the car, they would remove the debt from my credit report. However, despite this acknowledgment, the account was not removed, and it continues to negatively affect my credit report in XXXX, contrary to the terms agreed upon. 

I filed a dispute with Experian months ago, but as of now, they have not updated or removed the item from my credit report, despite the clear evidence of the breach of agreement. This unresolved issue is financially harming me, as the negative mark continues to impact my credit. 

I request that both Experian and XXXX XXXX fulfill their obligations to remove this item from my credit report and correct the inaccurate reporting as promised.

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 2025-04-05 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: MD

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. I understand that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am in disagreement with the item listed below which still appear on my credit report, even after your Investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> ( transunion ) The following inquiry was not and should not be reporting.

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 2025-04-05 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: CA

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX for account XXXX due to incorrect information reported. Experian denied to follow up with the investigation. I have contacted the company for verification of account multiple times and have not received any response from them. I have sent multiple emails to their support email for assistance regarding the account with no response. Experian refuses to delete the account off my account without verifying the information. Experians investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal laws.

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 2025-04-05 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had XXXX credit cards, checking, savings and investment accounts with chase and out of the blue they closed all my accounts without explanation, it deeply affected my credit and my investments as I was forced to sell my stocks before the date of account closure. This deeply impacted my credit and credit reports. I tried to ask why and I got no answers. 

I did nothing wrong. Im a self employed person who has nothing wrong on record and this unjust account closures deeply scarred my credit. 

I was a loyal customer since XXXX  I believe and they just simply threw my business away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: PA

Complaint narrative:
I do not recognize these credit accounts and inquires, and I have asked them to be removed. However, the credit bureaus did not do as I had asked. I am providing an Identity theft report which I will attach to this. I am requesting that all the credit accounts and inquires be removed because they are inaccurate and not mine. Additionally, I am requesting that the incorrect personal infromation be removed as it 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 2025-04-05 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: PA

Complaint narrative:
I do not recognize these credit accounts and inquires, and I have asked them to be removed. However, the credit bureaus did not do as I had asked. I am providing an Identity theft report which I will attach to this. I am requesting that all the credit accounts and inquires be removed because they are inaccurate and not mine. Additionally, I am requesting that the incorrect personal infromation be removed as it 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 2025-04-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Submitted a dispute for a dental visit covered under my insurance in XXXX of 2024. I tried to resolve with Merchant and my insurance. Merchant double billed me and the insurance. They were paid and still charged by debit card {$150.00}. I submitted all documents several times to Wells Fargo claims. The claim was denied because they claim documents were not provided. It has been XXXX months without resolution.

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 2025-04-05 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: VA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I logged on to my account on XX/XX/year> to discover both my Citi Checking and Savings accounts had been clocked. Citi did not notify me they had done this, or provide a reason. 

The website gave me the option to " Contact us '' -- with " us '' being the dumbest bot in existence. " Unblock account '' took me to an option to block my credit card. " Human representative '' got me a " I can't help you '' response. 

I called the appropriate phone number. Input all the requested information. Was told " We can't access your account over the phone '' and told to go online. 

Called the XXXX support line and there's a recorded response saying " We can not connect your call at the moment. '' Tried every single option I can find, and still can't find a way to resolve THEIR mistake. And that brings me to ... this is the XXXX time in a month I've had trouble reaching Citi. Last time was a wire transfer they cancelled XXXX weeks after telling me it had been completed, and never told me they'd failed to send the money. 

They did, however, charge me a fee for sending the wire, and for having sent back. When I asked what went wrong, they said the information sent do the intermediary bank did not match the information on file. " What information? '' I asked. 

" We can't tell you. '' It took me XXXX WEEKS and literally hours on the phone to find out they'd charged me {$40.00} NOT to do what they were asked to do, and said they'd done, but didn't. 

And now I'm wondering if they blocked my account because I complained about the abysmal service. 

Not sure how I'll ever find out, since I can't get in contact with anyone!

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 2025-04-05 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Marked as inaccurate Collection Agency XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$1400.00} Amount {$1400.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: GA

Complaint narrative:
The credit reporting agency is reporting a bankruptcy filing on my credit report that was not obtained or verified directly from the United States Bankruptcy Court. I contacted the Bankruptcy Court, and they confirmed that they do not furnish or verify bankruptcy data to any credit bureaus. Therefore, the information currently being reported was clearly obtained through an unauthorized third-party source, which violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires all information reported to be accurate and verified.

This third-party reporting not only violates my privacy but also exposes me to reputational and financial harm, especially as this bankruptcy is connected to several negative accounts that are now inaccurately tied to me. These accounts were also reported under the same invalid association.

I have submitted a formal dispute and requested the removal of the bankruptcy entry and all linked accounts due to the fact that no original source verification was provided. To date, the credit reporting agency has failed to correct or remove the inaccurate data, despite not having valid verification directly from the court.

I am requesting that this matter be investigated immediately and that the credit bureau be required to delete all information related to the bankruptcy and associated accounts unless they can prove the information came directly from the source the U.S. Bankruptcy Court which I know they can not.

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