vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: OH

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 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a banking customer with US Bank Minnesota, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX. 

My account has been open a year and I have a complaint regarding an employee : XXXX XXXX XXXX XXXX he is associated with a previous acquaintance of mine ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) and is sharing my bank information with him and law enforcement. I did authorize a release of information. 

I have over {$50000.00} invested with US Bank and I believe the bank and it employees are involved in dishonest business practices. 

Routing : XXXX Checking Account : XXXX XXXX Account : XXXX I believe they will transfer assets out of my accounts and close accounts. 

The resolution I seek is for the bank XXXX, its employees and the bank executives to issue a statement to XXXX XXXX XXXX if they are collaboration with third-party law enforcement, legal and public and private intervention services on behalf of XXXX XXXX XXXX and XXXX legal partners. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-03 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: GA

Complaint narrative:
I am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. 
XXXX XXXX XXXX Account Number : XXXX 2. 
XXXX XXXX Account Number : XXXX 3. 
XXXX XXXX XXXX Account Number : XXXX 4. 
XXXX XXXX XXXX Account Number : XXXX 5. 
XXXX XXXX XXXX XXXX Account Number : XXXX 6. Identity Theft XXXX XXXX  Account Number : XXXX 7. 
XXXX XXXX XXXX Account Number : 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The loan monthly payment amounts was {$0.00} for 120 months. But says i owe a balance on all student loans from XXXX  Which would be inaccurate if i was told my monthly payment would be {$0.00}.

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 2025-02-03 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:
Please help me, I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-02-03 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-03 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: Peoples Home Equity, Inc.
State: CA

Complaint narrative:
United Lending calls me NON STOP. I do NOT WANT nor have I EVER applied for a loan with United Lending. I am on the DO NOT CALL list with the FCC and it does not help. My rights, privacy is constantly invaded. Make these calls stop now or add me to a class action lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is regarding a CFPB complaint against Experian complaint filed bak on XXXXXXXX XXXX XXXX regarding me paying {$43.00} a month for their " premium service including a dedicated fraud resolution specialist. '' I have not heard a single word from Experian regarding this issue. It's been over 30 days now. I want to know why I went through 3 " dedicated crud specialists '' who I could never reach, they refused to call me back for weeks at a time when I was the one paying for the service! I can't call their premium customer service line since they just hang up on me, or breathe into the phone without saying more than 2 words for 51 minutes. Today is my last day of their joke customer service who I have filed multiple XXXX complaints on and now never heard back from them. 

Please reference previous CFPB # 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 2025-02-03 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: KY

Complaint narrative:
I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX, I was notified by Midland Credit Management advising that they purchased an account from XXXX XXXX XXXXXXXX XXXX XXXX XXXX showing a balance due of {$4600.00} that I owed. As with other accounts, they purchased that I did not owe, I advised this account was fraudulently established in my name, without my knowledge like the other accounts they purchased that were fraudulently set up in my name. I was told I do owe this balance and how would I like to pay. 

On XX/XX/XXXX, I submitted a copy of a notarized Identity Theft Affidavit along with a copy of a report with report number that was filed with the Federal Trade Commission showing I was disputing this issue, and this debt was not mine. I also requested a copy of the signed contract showing when I opened the account and my agreeing to the terms of the credit card. I advised that my SSN was compromised in XXXX, and several other companies have reached out ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ) and others advising my information was involved in data breach. 

On XX/XX/XXXX, I received another notice in the mail requesting payment for the aforementioned amount and the same documentation requesting a police report, notarized fraud identity affidavit, a completed Federal Trade Commission fraud affidavit. Again, on XX/XX/XXXX, I received the same request from Midland Credit Management. 

As of XX/XX/XXXX, this company has begun making collections calls to my phone. 

This company has requested the same information for previous accounts that they purchased in my name, and I have submitted the requested documentation. Those accounts were closed without payment, however, after submission of the requested information on two separate occasions, they refuse to close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: IL

Complaint narrative:
There is a charge for {$2500.00} on my credit report with a date of XX/XX/year>. I spoke with the company which is listed as Plaza Services LLC and asked them to verify the debt, nothing ever was verified with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
I disputed the credit amount and ending balance on this XXXX XXXX XXXX account to be inaccurate by letter, I sent similar letters to Equifax and TransUnion with proof of receipt ( see doc. # XXXX and # XXXX ) with a detailed explanation of wrong payment amounts posted by the original creditor and the omission of data when transactions occurred ( see doc. # XXXX # XXXX # XXXX ) I provided the original Experian report p1, p2, which contains the Actual Amounts Paid ( AAP ) listed in the account history ( see doc # XXXX and # XXXX ) I received a letter dated XX/XX/XXXX XXXX from XXXXXXXX XXXX customer service XXXX which stated a review of this account showed an incorrect balance, and the account was credited XXXX ( see doc. # XXXX ) Please note my account was charged off in XXXX and purchased by XXXX in XXXX ( see doc. # XXXX ) the credit given suggests an active account ; a charged-off account can not be legally credited by original creditor, suggesting this is a mixed file and no consideration of documentation at all! the result of their investigation ( see doc # XXXX ) was verified as accurate!

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 2025-02-03 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: NC

Complaint narrative:
I am writing to formally notify you that I, XXXX XXXX XXXX, have been a victim of identity theft and a data breach. As a result, fraudulent accounts have been opened in my name without my authorization.

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 2025-02-03 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: GA

Complaint narrative:
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 24 hours 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. $ 1681i.

which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

$ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my account was charged in the amount of {$530.00} by XXXX. I reached out to XXXX and requested to speak to a supervisor and was told I could not do so because they could not find any charges. XXXX also told me that I was more than welcome to file a dispute with my bank. I immediately reach out to my bank after speaking with XXXX and a claim was filed. I never heard anything else from Chase in regard to the claim. No one reached out to request any additional information or supporting documents. On XX/XX/XXXX I noticed the claim had been reversed and I reached out to Chase. I was told yo upload the documentation that I had and it would be reinvestigated within 3-5 business days. On XX/XX/XXXX I called Chase to receive an update and was told that they have decided not to reopen the claim has the documents were not strong enough to support my claim. I asked to speak to a supervisor, who then told me that this is a billing dispute in which they do not have the means to recover funds for this type of dispute. I have told them over and over and that the charge was unauthorized as I did not authorize XXXX to charge my account. The supervisor repeated what he said and then hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I Aman filing a complaint against cash all ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .Specifically, cash all failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process way unfair and deceptive, and they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E.these action a have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a 1099-INT for XXXX from Wells Fargo and after I looked into it, they were supposed to send me a check last year because of the major settlement from XX/XX/XXXX. They verified that the check was supposed to be {$120.00} but instead of them sending it to me they applied to the my old account that was closed over 7 years ago. As far as I remember, I had no balance on my checking account when I closed it and when I asked what the balance is after they applied it or even any information about prior balance that caused they to keep it, they told me because it's over 7 years they couldn't tell me anything about it. So I asked they when they were cutting the checks, they looked at my account saw I owed and decided to keep it instead of sending it to me, they have no other information about whether or not I owed more or less than the amount of what they were supposed to send me because of them wrongfully charging accounts and getting caught doing it and having to pay a settlement of XXXX XXXX dollars to their customers that they XXXX XXXX I know it doesn't matter that I'm a XXXX veteran living off my XXXX from VA as my only source of income but every penny counts at this point in my life and them not being able to give me any info on why they didn't send me what they owed, just since I supposedly owed them, they weren't sending me anything. I honestly don't know what y'all can do for me, if I should find a lawyer please let me know, because I don't remember how long exactly I banked with them but it was for at least 10-15 years before I closed my account. Thank you for your 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