vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: OK

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : ** Failure to Investigate Disputes Request for Assistance XX/XX/year> Dear CFPB, I am writing to file a formal complaint regarding my experience with Experian 's dispute process. I have submitted disputes online with Experian regarding discrepancies in my credit report, but I believe they have not been adequately investigated. Despite my attempts to resolve the issues, I have not received proper feedback or resolution.

Details of the Issue Account Information Disputes : I disputed inaccurate information on my credit report, including incorrect account details, payment history, and other discrepancies. However, I believe that Experian has not thoroughly investigated my disputes or updated my report based on my findings.

Lack of Response and Updates : I submitted multiple disputes online through XXXX dispute resolution system, but I have not received clear feedback or updates regarding the status of these disputes. The status of the disputes seems to remain unresolved, and I have not been informed of any investigations or results. 

Impact on Credit : The inaccurate information being reported on my credit report continues to negatively impact my credit score, and I am concerned that Experian is not taking the necessary steps to investigate and correct these errors.

Request for Assistance : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and assist in ensuring that Experian properly investigates the disputes I have filed. I would like Experian to : 1. Provide a clear response regarding the status of my disputes.

2. Thoroughly investigate and correct any inaccurate information on my credit report.

3. Notify me of any findings or resolutions regarding my disputes. 

Please let me know if you need any additional information or documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in ensuring that my credit report is accurate and properly updated. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, Ok 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 2025-03-25 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:
The following inquires were a violation of the ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
The following inquires were a violation of the ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Control, LLC
State: GA

Complaint narrative:
I originally took out the loan with XXXX on XX/XX/XXXX I was notified the loan originally went into default in XX/XX/XXXX. 

I was offered a payment plan back in XX/XX/XXXX. I made some payments but was in financial distress situation as a single mother of a toddler. Of which I did fully communicate this to XXXX back then. 

XXXX XXXX XXXX hasnt provided the original promissory note or the original default agreement. 

I have already asked them to completely remove this negative mark from my credit and their response was a hard no.

According to the statute of limitations in the state of Georgia, a loan default is between four ( 4 ) to six ( 6 ) years. Its been well beyond nine ( 9 ) years since the original default on the loan. As of XX/XX/XXXX, six ( 6 ) years have passed from the original default date.

They have continued to harass me with phone calls and text messages beyond the statute of limitations on this loan default.

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 2025-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
This dept was sold to an creditor and creditors didnt provide ownership of debt and I asked debt to be removed from all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
o Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for engaging in unlawful debt collection practices, including improper service, an invalid default judgment, and illegal wage garnishment. Below is a summary of the events that led to this complaint : 1. Improper Service & Default Judgment XXXX XXXX XXXX claims to have served me with legal papers regarding an alleged debt. However, I was never properly served. 
They obtained a default judgment against me because I was unaware of the court date. 
The person they allegedly served was not me, and there is no photographic or verified proof of service. 
2. Unlawful Wage Garnishment & Failure to Validate Debt Based on this improper judgment, XXXX XXXX XXXX obtained a wage garnishment order. 
My employer, [ XXXX XXXX XXXX ], began garnishing my wages and sent the money to XXXX XXXX XXXX. 
After I requested debt validation, XXXX XXXX XXXX failed to provide any legitimate proof that the debt was mine. 
As a result, my employer was required to return my garnished wages due to the invalid debt claim. 
3. Ongoing Harassment & Illegal Collection Attempts Despite failing to validate the debt and being forced to return the garnished wages, XXXX XXXX XXXX is now attempting to collect the same debt againnow with added interest. 
This constitutes harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Request for Investigation & Action XXXX XXXX XXXX actions have caused me significant financial and emotional distress. I request the following actions : Investigate XXXX XXXX XXXX for improper service, fraudulent debt collection, and violations of the FDCPA. 
Take legal and regulatory action to prevent them from attempting to collect this debt again. 
Ensure that this fraudulent judgment is removed from my record and that no further collection attempts occur. 
Consider fines or penalties against XXXX XXXX XXXX for engaging in deceptive and unlawful collection practices. 
I appreciate your prompt attention to this serious matter. Please let me know the next steps in your investigation. I have attached the only pay stub I have access to that shows my employer did garnish my wages if this debt is valid then why did I get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental XXXX  that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-25 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: MD

Complaint narrative:
I thought the economy was tough, but seeing my credit report made it clear what's even worse its filled with inaccurate information thats causing me overwhelming stress. As a consumer, I have the right to an accurate credit report, yet these errors are holding me back. Its disheartening to face constant financial setbacks and the emotional toll is unbearable. I cant even consider seeking professional help for my mental health because I know my credit cards will be declined due to these unjustly low scores.

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 2025-03-25 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I have no knowledge of these accounts listed : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I have no knowledge of these accounts listed : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX, XXXXXXXX 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 2025-03-25 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: CA

Complaint narrative:
I am writing to formally dispute innacurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thoroughinvestigation into these inaccuracies, as required by federal law. 
Recently the consumer financial burueau filed a lawsuit against experian for its failure to properly investigate consumer disputes, ciitng " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 am writing to formally dispute innacurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thoroughinvestigation into these inaccuracies, as required by federal law. 
Recently the consumer financial burueau filed a lawsuit against experian for its failure to properly investigate consumer disputes, ciitng " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinstating previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I do not have an Apple Card but I am being deluged daily with solicitations to get one. You can not opt out of the emails. There is no way to do that, at all. And just as soon as you delete one, you get another in its place. This is harassing. Why can not you opt out of these? I have called Goldman Sachs to no avail. I am asking your help in getting these solicitations stopped. They are coming to : XXXX, XXXX and XXXX. 

Goldman Sachs should be required to have an opt out on these. 

Please stop all solicitations by direct mail or email to me. 

Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2024, a scammer gained unauthorized access to my BOA accounts and made a 'web transfer ' of {$30000.00} from my interest-bearing Savings account to my Checking account. I have never used a 'web transfer ' to move funds between my BOA accounts. In addition to failing to safeguard the overall security of all my accounts, the Bank did not catch this either. This enabled the scammers ( who identified themselves as XXXX technicians fixing on-line banking problems ) to claim to have " made an honest, and very much regrettable mistake in testing the online functioning '' of one of my checking accounts. In the end they managed to use a technically complex nefarious method of relieving me of {$28000.00} in cash. I subsequently reported this to the Bank 's 'fraud ' department, to the local police ( Case number XXXX ) and online in great detail on the FBI 's fraud website. Thus far the Bank has been unresponsive in investigating my reporting, except telephonically informing me that they could do nothing " since no money was lost. '' I lost {$28000.00}!

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 2025-03-25 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
How can you expect me to owe you more money when you prorated my rent in XXXX for {$950.00}? I paid you on XX/XX/XXXX, and my balance was XXXX when I moved out. That means you accepted my breaking of the lease and no further payments were necessary. 
On XX/XX/XXXX, I received a bill from the landlord for {$1100.00}. On XX/XX/XXXX, you informed me that I owed a total of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I need these medical collections off my report by law/ thank you for the attention to this matter

Company response to consumer: Closed with explanation