vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bridgecrest regarding the inaccurate reporting of late payments on my auto loan account. My Bridgecrest my auto loan account ( # XXXX ) The reporting of these late payments violates my consumer rights under federal law, specifically : XXXX U.S.C. XXXX ( Fair Credit Reporting Act - XXXX  ) : Bridgecrest has failed to ensure the accuracy and completeness of the information reported to credit bureaus. Under this law, furnishers of credit information must conduct reasonable investigations when a dispute arises. I have disputed the late payments, yet Bridgecrest has failed to provide verification or correct the inaccurate information. 

XXXX XXXX. XXXX ( Fair Credit Billing Act - XXXX  ) : This law mandates that creditors investigate billing disputes in a timely and fair manner. I submitted a dispute regarding the late payments, but Bridgecrest did not properly investigate or provide an adequate response, thus violating my rights under this statute. 

XXXX XXXX. XXXX ( a ) ( Furnisher Responsibilities under the FCRA ) : Bridgecrest, as a furnisher of credit information, has a legal obligation to report only accurate information to the credit bureaus. The late payments reported on my account are inaccurate, and Bridgecrest has continued to furnish incorrect information despite my formal dispute, which is a direct violation of this law. 

Due to these violations, I am formally requesting that the CFPB investigate Bridgecrests failure to adhere to these legal obligations and require them to remove the inaccurately reported late payments from my credit report. These inaccuracies are negatively impacting my creditworthiness and causing undue financial harm. I respectfully request that this matter be addressed promptly to ensure my consumer rights are upheld. 

Please provide me with an update on this complaint and the steps being taken to resolve this matter. I appreciate your time and assistance in ensuring fair and accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX 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 2025-02-24 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 address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-02-24 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: CA

Complaint narrative:
I received an unknown loan account on my credit report. Which lowered my XXXX XXXX by XXXX points. When I called the loan company which is XXXX XXXX XXXX XXXX XXXX. On XXXX they said a loan I got for {$4000.00}. for my son 's college education was sold to them, in which I never received any notification of this at all in writing or otherwise. I thought legally they had to send me this in writing. But I never received anything from them saying I owed them anything. They said they were sending account information and notifications to my son 's email. Which his name is not on the account, and he no longer uses that email or seen anything on that email from them. I also never gave them or anyone else his email to send information too. The person I talked to at XXXX is XXXX and her XXXX # XXXX. She said she could not give me her last name. So, know they are saying I am 136 days past due on an account I knew nothing about. This is affecting my XXXX XXXX. I want this to be taken off my XXXX XXXX. And all late fees to be taken off my account. Please let me know if you can help me with my case. Thank you in advance for your help. Please also note that my last name was changed from what is on the loan. Due to the fact that I got married. The phone number to XXXX is XXXX. The address to XXXX is XXXX XXXX XXXX XXXX, XXXX XXXX. This is the address XXXX gave me. Their address on my credit report shows as 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 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My Aunt passed away left me the property trying to pay on the loan have it transferred to me as successor in interest I sent copies of requested information in XXXX after receiving their letter. Provided all information to estate department over the phone. Faxed copies again in XXXX and XXXX and in XXXX. I provided them with the faxed confirmations showing they were received yet they still continue to claim they haven't received them or couldn't read them. I just want to assume the loan and pay on the property. They are refusing to even respond now.

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 2025-02-24 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX 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 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 2025-02-24 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: CT

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that is currently involved in pending XXXX. Given the legal status of this matter, it is both premature and inaccurate for this account to be reflected on my credit report at this time.

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 2025-02-24 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
This account is inaccurate because I do not recognize this debt. As per the Fair Debt Collection Practices Act, I would like you to look into this matter and help me resolve this dispute. 
Thank you for your attention to this matter, I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
Experian has failed too fulfill its legal obligation under the Fair credit reporting act FCRA too conduct reasonable reinvestigation of disputed Information on my credit report leaving inaccurate unverifiable accounts unresolved the consumer financial protection bureau cfbp has recently filed a lawsuit against Experian alleging systematic failure such as failing too forward consumer provided evidence too furnishers accepting unreliable responses and failing too adequately notify consumers of dispute outcomes these failures align with my experience where Experian has neither corrected or removed disputed items I provided causing on going harm too my credit standing I am requesting immediate corrective action too remove or amend disputed accounts as Experians inaction violates federal law and my rights as a consumer

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 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
on XXXX, XXXX 2025 I noticed a levy was placed on my personal checkings account. upon investigation with my bank they told me Midland Credit Management was the creditor to said XXXX. After investigation with a midland credit representative, we discovered multiple filing errors on their internal accounts. these errors include permanent residence, full legal name, phone number, and social security number. 
the person who owes that debt is named XXXX XXXX like me, except my full legal name is XXXX XXXX XXXX XXXX 
hyphen included. 
not only does the debtor live in a completely different state as me, they also owe money to a bank in which I have never even opened an account with. 
the only information on the midland credit account that relates to me is the social security number. Because of this, I never received court notices, notices from midland credit, or any entity involved regarding a court order being placed. And still, a levy was placed through New Jersey courts on my personal checking account. Leaving me with absolutely nothing in my account. 
I would like this to be rectified, and the actual debtors to be identified and placed responsible for this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I requested a telephonic wire from my credit union to Chase Bank. We were displaced due to the XXXX XXXX in California and received funds from our insurance company to cover rent and security deposit. I contacted my credit union ( XXXX XXXXXXXX XXXX XXXX  XXXX XXXX / XXXX  ) and requested the telephonic wire due to the exigency of wiring the funds to a landlord to secure a lease on a rental property. 
The wire was supposed to be sent to XXXX XXXX XXXX and a Chase Account No. was provided. After a few days I was informed that XXXX XXXX did not receive it. 
I followed up with my credit union ( XXXX ) who were able to confirm that I provided the correct account name but incorrect account number for XXXX XXXX and the funds ( {$25000.00} ) were transferred into another Chase account. 
I have been working with XXXX XXXX, Assistant Branch Manager, XXXX, who has been in almost daily contact with several individuals at Chase Bank. Chase has stopped responding to XXXX management but initially said they are aware of the error and are " working '' on fixing it. This was the first week of XXXX. 
It is approaching 4 weeks and I am no closer to receiving my funds back. 
I understand that I made the mistake but Chase Bank does not seem to be actively pursuing the return of my funds. Without these funds, my landlord will start the eviction process and my family will have no place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX closed my account due to car was totalled it has been paid off by my insurance Claim XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-24 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: MO

Complaint narrative:
The XXXX XXXX account is not on my other credit Report accounts. Please remove from my Equifax credit report and TransUnion credit report. 
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 XX/XX/XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C XX/XX/XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XX/XX/XXXX( a ) ( XX/XX/XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XX/XX/XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not liable for the debts with XXXX XXXX. I do not have contracts with XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, SINCE THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX DO NOT EXIST TO VERIFY THIS, SINCE THESE CRITICAL PIECES OF INFORMATION CAN NOT BE PROVIDED, THEN PLEASE DELETE FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: FL

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 non-monetary relief