vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian inaction violates federal law and my right 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 2025-03-11 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-11 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My vehicle was purchased through US Auto, it was involved in an accident in XX/XX/year>, in which it was deemed a total loss. The insurance company had me complete the steps for payoff of my loan, in which I did do, and months later there was nothing. I found out nearly a year later that the car was reported as a repossession in XX/XX/year>, which seems odd as US Auto did not allow customers to get over a month behind without disabling the vehicle. If my car were to be repossessed in XXXX, how could I have gotten into an accident in XXXX. Westlake now owns the account, and I have been trying to get the payoff completed as this is showing on my credit report as a repossession. I have called and emailed Westlake portfolio and have gotten nothing less than a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2025-03-11 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: TN

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has been illegally reporting inaccurate information on my credit report for over two years. Despite multiple disputes from XX/XX/XXXX through XXXX, they have failed to provide proper verification and continue to report false lay payments on a charged-off account. This has severely impacted my credit. 

Issue # 1 : Illegal late payment reporting on a charged-off account ( FCRA VIOLATION ) There is an auto loan with XXXX XXXX XXXX listed on my credit report. It reflects that it was charged off in XX/XX/XXXX. Despite the charge-off, XXXX and Transunion continue to report late payments every single month. A charged-off account should not have new late payments reported, as this is a violation of FCRA guidelines. 

Issue # 2 : Failure to verify disputed information ( FCRA VIOLATION - SECTION 609 & 611 ) I have disputed this account multiple times in the last XXXX years. The credit bureaus and XXXX credit union continue to claim the account has been " verified '' but have never provided any actual documentation proving this debt is accurate. Under FCRA Section 609, I have the right to see how this account was verified, but my requests have been ignored. 

Issue # 3 : Illegal " Re-Aging '' of XXXX XXXX XXXX XXXX updates this charge-off appearing " new '' when in reality, it has been closed since XX/XX/XXXX. 

I am requesting that the CFPB take action against XXXX XXXX XXXX for these ongoing FCRA violations and force them to immediately stop reporting false late payments after the charge-off date. Provide proper verification of this account or remove it entirely. Cease illegally " re-aging '' the account to make it appear as a newer delinquency.

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 2025-03-11 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:
I am filing this complaint because a fraudulent XXXX account was opened in my name on XX/XX/year>, without my authorization. I have never opened or used this account and believe I am a victim of identity theft. 

Details of the Issue : I first discovered this account when I checked my credit report. 
I previously disputed this account with the credit bureaus, but my dispute was denied without proper investigation. 
At the time this account was opened, I was living with my father and was XXXXXXXX XXXX XXXX. I was not in a position to open any new accounts and did not authorize anyone else to do so. 
This fraudulent account has negatively impacted my credit, and I am being unfairly held responsible for a debt I do not owe. 

Steps I Have Taken : 1. Filed a dispute with Experian, Equifax, and TransUnion. 
2. Contacted XXXX fraud department to report the unauthorized account.

3. Filed an Identity Theft Report with the FTC and completed an Identity Theft Affidavit.

4. Requested debt validation if this account was sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 filing this complaint because a fraudulent XXXX account was opened in my name on XX/XX/year>, without my authorization. I have never opened or used this account and believe I am a victim of identity theft. 

Details of the Issue : I first discovered this account when I checked my credit report. 
I previously disputed this account with the credit bureaus, but my dispute was denied without proper investigation. 
At the time this account was opened, I was living with my father and was XXXXXXXX XXXX XXXX. I was not in a position to open any new accounts and did not authorize anyone else to do so. 
This fraudulent account has negatively impacted my credit, and I am being unfairly held responsible for a debt I do not owe. 

Steps I Have Taken : 1. Filed a dispute with Experian, Equifax, and TransUnion. 
2. Contacted XXXX fraud department to report the unauthorized account.

3. Filed an Identity Theft Report with the FTC and completed an Identity Theft Affidavit.

4. Requested debt validation if this account was sent to collections.

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 2025-03-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
SUBJECT: FORMAL DISPUTE REGARDING INACCURATE INFORMATION ON 
MY CREDIT REPORT

DEAR EQUIFAX
I AM WRITING TO FORMALLY DISPUTE INACCURATE INFORMATION ON MY CREDIT REPORT THAT I BELIEVE IS HARMING MY  FINANCIAL WELL-BEING. I AM AWARE OF MY RIGHTS UNDER THE FAIR CREDIT REP[ORTING ACT AND REQUREST A THOROUGH INVESTIGATION INTO THESE INACCURACIES, AS REQIRED BY FEDERALL LAW.
RECENTLY, THE CONSUMER FINANCIAL PROTECTION BUREAU FILED A LAWSUITE AGAINST EXPERIAN FOR ITS FAILURE TO PROPERLY INVESTIGATE CONSUMERS DISPUTES, CITING"SHAM INVESTIGATIONS"AND OTHER UNLAWFUL PRACTICES. THESE PRACTICES, AS OUTLINED BY THE CFCB, INCLUDE:
CONDUCTING INADEQUATE INVESTIGATIONS THAT FAIL TO ADDRESS CONSUMER DISPUTES PROPERLY. 
REINSERTING PREVIOUSLY DISPUTED AND INACCURATE INFORMATION WITHOUT EXPLANATION.
FAILING TO NOTIFY CONSUMERS ABOUT INVESTIGATIONRESULTS EFFECTIVELY.
THESE ALLEGATION HIGHLIGHT SYSEMIC ISSUES THAT DIRECTLY UNDERMINE CONSUMER PROTECTIONS AND PERPETUATE THE INCLUSIONOF INACCURATE INFORMATION ON CREDIT REPORTS. I AM DEEPLY CONCERNED THAT MY DISPUT MAY BE MISHANDLE IN SIMILAR MATTERS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a new spark business card back in XXXX. Although I have the physical card Capitol 1 will not let me use it until I prove who I am and where i live. I have called too many times to count and emailed as many board memebers as possible and tried to explain to them that this will be my sixth card with them, both personal and business and i can send them as many of THIER monthly statements as they want to prove who I am but they insist on not helping me. They insist on seeing a copy of my social security card ( which i haven't seen in over 3 decades ) and unfortunately i do not qualify to get a copy online and will not be back in the XXXX until XXXX. They mailed me the card in XXXX when i was in Hawaii ye they refuse to let me use it which i didn't find out until i tried to use it in XXXX XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
Ive reviewed my credit report and noticed an account that I do not recognize. It seems there may be some confusion or mix-up, as this account doesnt appear to be associated with me in any way. After carefully looking into it, I believe this is an error and doesnt belong on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
Recently, I looked at my report and noticed several inaccuracies on my account. These errors are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 explanation
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: MA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-11 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: AR

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 2025-03-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting the immediate corrective action to remove the 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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I was on the SAVE repayment plan with MOHELA to pay off my XXXX XXXX XXXX student loans. I have been working in XXXX XXXX XXXX XXXX ( XXXX ) to qualify for PSLF. I was put on forbearance/deferment by MOHELA due to the lawsuit going on with SAVE. I have repeatedly tried to change my payment plan to a different IDR plan and get off of forbearance so that I can resume payments and have my current work count for PSLF. They have not been able to process my change request. I have written in, called and submitted formal applications numerous times since XXXX  XXXX when it first occurred. I have not been able to be given a timeline for when this change will happen or any information on if these months of work will be back-credited. This is costing me extended time paying these loans back and getting qualified for loan forgiveness when I am ready, able and willing to do so now. The lack of transparency is extremely frustrating. They just tell me it is in processing for an indeterminate amount of time. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
Hello there. On XXXX between XXXX to XXXX. 

I would like to inform you that a debt collector XXXX who works for Williams & Fudge , Inc. located at XXXX XXXX XXXX XXXX XXXX, sc XXXX shared unauthorized disclosure to a third party. He disclosed my debt amount to a third party!!!, discussed my monthly payment plan!!! And my monthly payment transaction Not to mention, The third party informed XXXX that This is NOT who you are looking for and this the wrong number and you are not speaking with XXXX which is me and XXXX ignored the third party words and instantly disclosed my debt information. 

Secondly, According to FDCPA 804. Acquisition of location information : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) NOT STATE THAT SUCH CONSUMER OWES ANY DEBT ; which means, When XXXX contacting someone ( third party ) about the consumer 's location, XXXX can not mention that the consumer owes a debt. 
XXXX legally prohibited from revealing that the consumer has a debt outstanding ; XXXX can only ask for contact details without mentioning the debt itself. 

The reason why i suspecting XXXX because the third party missed a phone call from him and he left a voice mail and requested to call him back through a number and the third party person reached out to him immediately. Now if the third party spoke to him or spoke to someone else i am not sure. 

He called the third party at XXXX ( XXXX ) XXXX this was the phone number he called from the first time. 

And i tried to reach him out twice at XXXX through his direct number ( XXXX ) XXXX. 
A woman answered me and i asked her to speak with XXXX but she said he is too busy at the moment and i asked her to share with him that i called and i need to speak with him immediately and she said she will pass it down. 

The second time i called his direct number was at XXXX another person answered and i asked to speak with XXXX and i was told he is gone. 

I sent out an email to their company email approximately XXXX and I informed them about the situation I got a phone call the next day and i spoke to XXXX XXXX and she said they will have to listen to the conversation and she will get back with me. And i have not heard anything since then. 
XXXX date is XXXX. 
I would like to file for a lawsuit against Williams & Fudge , Inc. thank you My personal number is XXXX

Company response to consumer: Closed with explanation