vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: AR

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer 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 2025-01-31 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: AR

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, TransUnion, & Equifax didn't make sure it was reporting 100 % correct.

In accordance with the FCRA and Metro 2 compliance reporting standards.

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, TransUnion, & Equifax have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by XXXX tattoo artist on separate occasions with bank transactions an I want the bank to give me my money back from the opposing bank account as I can prove the tattoo artist was a 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 2025-01-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Ph. XXXX XX/XX/year> cfpb Consumer Financial Protection Bureau Ph. XXXX Subject : Dispute Dear cfpb I hope this letter finds you well. I am writing to formally dispute the [ nature of the issue, e.g., a billing charge, an incorrect transaction, etc. ] on my account. The details of the dispute are as follows Attachment. 
I have reviewed my records and believe the charge/transaction is incorrect. [ Provide any supporting information or evidence you have, such as receipts, statements, etc. ] I kindly request that this matter be investigated and resolved as quickly as possible. If further information is needed from my side, I would be happy to assist. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have made several disputes to Experian, and through Experian to the XXXX  debt collectors to remove the accounts from my report. They have refused to do so and verified they should be there, despite there being a medical debt ban from being included on my credit report. Im reporting their willful noncompliance to remove the accounts for the following : XXXXXXXX XXXX XXXX, account number XXXX opened XX/XX/year>, XXXX XXXX XXXX, account number XXXX opened XX/XX/year>, and XXXX XXXX XXXXXXXX account number XXXX opened XX/XX/year>. Ive requested for them to immediately remove all medical debt entries associated with accounts listed above, and provide me with written confirmation that these entries have been deleted from 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 2025-01-31 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: LA

Complaint narrative:
My personal information was leaking in several data breaches. As a result, my information was misused.

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 2025-01-31 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: LA

Complaint narrative:
My personal information was leaking in several data breaches. As a result, my information was misused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I have made several disputes to XXXX, and through XXXX to the medical debt collectors to remove the accounts from my report. They have refused to do so and verified they should be there, despite there being a medical debt ban from being included on my credit report. I'm reporting their willful noncompliance to remove the accounts for the following : XXXX XXXX  XXXX, account number XXXX opened XX/XX/XXXX. 2022, XXXX XXXX XXXX, account number XXXX opened XX/XX/year>, and Kansas Counselors XXXX. account number XXXX opened XX/XX/year>. I've requested for them to immediately remove all medical debt entries associated with accounts listed above, and provide me with written confirmation that these entries have been deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am wringing to formally express my concerns regarding Zelles handle of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using zelle numerous of times and reported discrepancies, My financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking those transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-31 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX XXXX XXXX XX/XX/XXXX Equifax Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of XXXX XXXX for XXXX and Non-Compliance {$21000.00}. 

Dear Equifax, I am writing to formally dispute the claim of civil liability for negligence and non-compliance in the amount of {$21000.00} which you have issued on XX/XX/XXXX. After carefully reviewing the details of the claim and the circumstances surrounding it, I believe this amount is not owed, and the charges do not reflect the actual events. 

The grounds for my dispute are as follows : XXXX. Lack of Evidence for Negligence : There is no concrete evidence that supports the claim of negligence on my part. I have consistently met my obligations and acted in accordance with the agreed terms and conditions, and there is no proof that my actions were in any way reckless, careless, or non-compliant. 
XXXX. Non-Compliance Issues : I contest any allegations of non-compliance. To the best of my knowledge, I have complied with all legal requirements and contractual obligations related to this matter. Furthermore, there has been no communication from your end regarding any specific areas of non-compliance or failure to meet requirements prior to this dispute being raised. 
XXXX. Inaccurate or Unjustified Charges : The amount of {$21000.00} appears to be inflated and unsupported by proper documentation or a detailed breakdown of the costs and fees being imposed. I request a full and transparent explanation of how this figure was calculated, including any supporting documentation and records. 

Given the above, I respectfully request that you review this matter, reconsider the charges, and provide a formal response outlining the specific details and supporting evidence for the claim. Should you fail to provide adequate justification, I will have no choice but to seek legal counsel to ensure that my rights are fully protected. 

I expect a written response within [ reasonable time frame, e.g., XXXX  days ] from the date of this letter. If you require any further information from my side to facilitate the resolution of this dispute, please do not hesitate to contact me directly at XXXX or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your response and the swift resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-01-31 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), NAVY FCU ( Finance ) ( XXXX ) of those, XXXX ( Bank ). XXXX of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a few inquiries that i did not authorize. The only inquiries that should be on there are from my open trade lines. XXXX ( Bank ), XXXX ( Bank ), XXXX XXXX ( Finance ) ( XXXX ) of those, XXXX ( Bank ). XXXX of these accounts i have applied for. I filed bankruptcy and i have been very careful on applying for anything.

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 2025-01-31 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: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2025-01-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or 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 2025-01-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Rushmore Servicing has charged me {$1900.00} for XXXX XXXX for the period of XX/XX/XXXX - XX/XX/XXXX. I believe this insurance is not required but Rushmore Servicing has placed this insurance and assessed me for it. Although I have been recently charged by Rushmore for this insurance, the insurance carrier, now XXXX XXXX, sent me a notice that the insurance has not been paid for and the insurance has been cancelled. Rushmore Servicing has paid XXXX XXXX in the past but has now discontinued this coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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