vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To whom it XXXX Concern, XXXX reaching out because you are helping XXXX Fin Am put incorrect information on my credit report related to the account below XXXX XXXX Am # XXXX As defined by the IRS XXXX The IRS XXXX a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate. 

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. 

According to XXXX5 USC 1681 sXXXX XXXX fin XXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. XXXX XXXX that you delete this information from my report right away. 

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific to information is inaccurate and ; the infomation is in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified, keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please Delete form my report immediately Thank you 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 2025-01-14 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: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX confirmed in writing that this account was removed from all XXXX major credit bureaus ( Experian, XXXX, XXXX, and XXXX ). However, upon reviewing my credit report, I was alarmed to discover that the account has reappeared on my Experian report. I did not authorize or consent to this account being reported, and Experian has blatantly failed to provide the legally required notice of reinsertion. This constitutes a flagrant violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a reckless disregard for federal law. Experian violated 15 USC 1681i ( a ) ( 5 ) ( B ) by failing to notify me of the reinsertion within five business days, 15 USC 1681b by reporting the account without my written consent, and 15 USC 1681e ( b ) by failing to ensure maximum possible accuracy in its reporting. These actions amount to willful noncompliance, entitling me to statutory damages of {$1000.00} under 15 USC 1681n ( a ). I demand that this account be deleted from my credit report immediately. Additionally, I require written confirmation of its permanent removal without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
On XX/XX/year> I sent XXXX XXXXXXXX a letter asking for validation of debt in the amount of {$3900.00}. They could not provide me with validation of the debt ( a binding agreement ( contract ) signed by me and XXXX XXXX. Attached is their response to the letter. Based on the information they sent, page XXXX of the attachment states XXXX XXXX as the original creditor and not XXXX XXXX XXXX. XXXX sold this debt to XXXX  XXXX which is a violation of 15 USC 1692 ( d ) ( 4 ). Also attached are the letters I sent to XXXX and XXXX asking for the documents they have on file to validate this debt. Neither XXXX or XXXX could validate this debt with again a binding agreement ( contract ) signed by me and XXXX XXXX. So, since both XXXX and XXXX refused to remove this from my credit report, the taxable event has been reported ( XXXX attached ) with the IRS and XXXX debt has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: TN

Complaint narrative:
On XX/XX/year> from my churchs online XXXX account I purchased an XXXX through a finance company called Sezzle which I found out a few minutes ago is a struggling company When I realized I ordered the wrong one I canceled the order the same day. XXXX cancelled and never took funds from the Sezzle credit card. However Ive called and they only have recordings that told me to go online. Ive sent the screenshots where I finished paid for the product even though I didnt receive it because thats their policy. Ive sent documents from XXXX where they dont hold funds past 10 days. Ive sent screenshots of where I completed the payment process. I filed several disputes showing the XXXX receipt showing the Sezzle payments and showing the amounts but the only response I get by way of email Is I have to follow what Ive already been doing. The total amount of the hold was {$180.00} XXXX. I contacted XXXX and they assured that they cant hold funds that is my credit card company Sezzle. I contacted Sezzle. They told me they would investigate. I still havent heard anything back, but they have closed out my disputes. I disputed that the first day when it was canceled and they still have not given me my money I have documents to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute an error on my credit report. My name is XXXX XXXX, but my credit report incorrectly lists my name as XXXX XXXX. 

This incorrect information is not only inaccurate but also potentially damaging to my credit profile. I kindly request that you correct this mistake by updating all records to reflect my proper legal name, XXXX XXXX. 

Please investigate this matter promptly and confirm the correction of my name in writing once the update has been made. If you require further information or documentation, feel free to contact me at XXXX or XXXX Thank you for your immediate attention to this matter. 


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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: AE

Complaint narrative:
I set up a wire transfer with Wise.com. They took {$25000.00} from my bank account on XXXX XXXX and another {$26.00} on XXXX XXXX but till today I have not seen a dime in my Wise account. I emailed several times on XXXX XXXX but they only sent boilerplate instructions that do not match their website. My last email got no response. This bank has been holding my {$25000.00} for over a month and no word of making my money available for me to use. No one responded back to my last email in XXXX and calling is just a long wait. 

This bank is illegally profiting off of customer 's transfer and holding the money for an unreasonable amount of time ( 35 days ) when it should be available within one business day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NM

Complaint narrative:
AVANT credit card is refusing to credit back their annual fee of XXXX dollars. Just opened the account and closed it immediately after receiving my first statement with the fee. 

Avant , LLC XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I have never authorized these company to make and hard inquire on my credit. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
On XX/XX/XXXX, my account was automatically debited {$230.00} even though I had already made the required payment of {$200.00} on XX/XX/XXXX. I requested a refund of the {$230.00} over-payment later in XXXX, and I was told that it could take up to 3 months to process that refund request. 

On XX/XX/XXXX, I called and emailed MOHELA to inquire about the status of my refund request. They told me that the request was still being processed and that they did not have a timeline on when that could be completed. The email was met with an automated reply simply stating that I had already called a customer service representative about the issue. 

On XX/XX/XXXX, I called MOHELA again to inquire about the status of my refund and to put a forbearance on my account. At that time, they told me the refund request was still not finalized on their end, so I asked for expedited processing. The MOHELA agent told me that she had approved expedited processing, and that it would be completed in XXXX days. She also told me that she could not put a forbearance on my account over the phone, though I have now learned that it is possible to do so. 

On XX/XX/XXXX, I called MOHELA again to ask about putting a forbearance on my account and to inquire about the status of my refund request. I was once again told that the refund was not yet processed, despite the previous assurance of expedited review. For my forbearance issue, I was put on hold for an hour and a half and nobody picked up the call before their call center ended its business hours for the day. My account, as of my writing this complaint, is still not in forbearance. 

At every turn, I have faced poor customer service and multiple calls where I have been placed on hold for hours at a time- each call starting in XXXX seems to last at least XXXX hours, with the vast majority of that time being spent on hold. I have tried using their automated call-back service, but it is unreliable and I am often not given a call back by the company. 

MOHELA 's customer service is shameful, especially for being the single loan servicer dealing with a program as large and important as XXXX XXXX XXXX XXXX. It often feels like they are intentionally making things as hard as possible to discourage their clients from advocating for themselves and, in my case, from getting money back that is rightfully owed as a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
In XXXX and XX/XX/XXXX, there were late remarks placed on my credit report and again from XXXX of XXXX. I would like for these remarks to be removed from my report as I am making my payments on the loan. During the time of these remarks I was unemployed due to my job cutting back hours. These remarks are preventing me from qualifying for other things I need to use my credit for. I am a full-time college student and working my hardest to pay off my debt. Before I was told that you are unable to remove accurate remarks but based on research and after speaking with the credit bureaus, the company is more than able to remove these remarks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
In XXXX and XX/XX/XXXX, there were late remarks placed on my credit report and again from XXXX of XXXX. I would like for these remarks to be removed from my report as I am making my payments on the loan. During the time of these remarks I was unemployed due to my job cutting back hours. These remarks are preventing me from qualifying for other things I need to use my credit for. I am a full-time college student and working my hardest to pay off my debt. Before I was told that you are unable to remove accurate remarks but based on research and after speaking with the credit bureaus, the company is more than able to remove these remarks from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding consistent issues with my credit file, which I have been experiencing since XXXX Despite my continuous efforts to resolve these issues by contacting Equifax numerous times, I have not received any meaningful resolution. This ongoing issue has significantly impacted my ability to obtain funding and secure credit, despite my efforts to rectify the problem. 

Also having Issues with XXXX not reporting accounts Details of the Issue : Issue Timeline : I first noticed discrepancies and errors in my credit file in XXXX Since then, I have been in regular communication with Equifax, providing all necessary documentation and following their required procedures to dispute and correct the inaccuracies. I have credit accounts that are not being shown to my file that are actively being reported. 

Nature of the XXXX : The issues with my credit file appear to involve incorrect data reporting, inaccurate credit scores, and unresolved disputes. Despite submitting all relevant documentation and making multiple requests for resolution, Equifax has failed to correct the errors and has not provided any updates on the status of my disputes. 
They have also reported to companies that I have no credit file Impact on My XXXX XXXX : These unresolved issues are having a serious and detrimental impact on my ability to obtain credit, secure loans, and pursue necessary financial opportunities. I have been unfairly denied credit and funding, despite my good financial standing, due to these persistent inaccuracies. 

Attempts at XXXX : I have made several attempts to contact Equifax via phone, email, and online forms to report and dispute the errors. I have provided them with the necessary information and documentation to correct my file. However, I have not received any updates or resolutions from Equifax, and the errors remain unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
I am writing to file a formal complaint against XXXX for failing to verify a debt after I requested validation. In XXXX of XXXX ], I contacted XXXX regarding a few accounts listed on my credit report, requesting verification of the debt as per my rights under the Fair Credit Reporting Act ( FCRA ). Despite my request, XXXX has refused to provide verification or documentation supporting the accuracy of the debt. 

The specific details of the issue are as follow XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX  Date of Request for Debt Verification : XX/XX/year> Details of Communication : Debt came back verified Requested Verification : I asked XXXX to verify the accuracy of the debt and provide supporting documentation, including the original creditor and account details. 
Under the FCRA, XXXX is required to investigate and verify the accuracy of any information they report, particularly when a consumer disputes the debt. Their refusal to provide verification is a violation of my rights, and I am requesting that the CFPB intervene to ensure XXXX complies with the law and rectifies the situation. 

I respectfully request that the CFPB investigate this matter and take appropriate action against XXXX for their failure to verify the debt and for any potential violations of my consumer rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. I believe the inclusion of these accounts is a direct result of the improper investigation practices described in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). 

15 USC 1681i ( a ) ( 6 ) ( B ) ( III ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available; Under the FCRA, Experian is required to ensure accurate reporting and conduct thorough investigations of disputed information. However, in my case, your company : XXXX. Failed to Properly Investigate My Dispute : I was not provided with sufficient evidence or details about how the dispute was reviewed. Who did they interview regarding these accounts The investigation process appeared to be incomplete or superficial, as the errors were verified without any meaningful analysis. 

2. Failed to Notify Me of Investigation Results : I did not receive clear, accurate, or comprehensive information about the results of the investigation.

The correspondence I received was ambiguous and did not explain the steps taken to verify the disputed information.

3. Possibly Reinserted Inaccurate Information : The disputed accounts XXXX have been reinserted without proper notification or verification. 



Given these violations, I request the immediate removal of the following inaccurate accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX Additionally XXXX I request the following : A detailed explanation of the investigation process, including the evidence or documentation used to verify the disputed accounts. 

Written confirmation that the disputed accounts have been permanently removed from my credit report. 



The CFPB has recently taken action against Experian for similar violations, citing sham investigations and the reinsertion of inaccurate information. These practices not only violate the FCRA but also have serious consequences for consumers, affecting their access to credit, employment, and housing. 



If Experian does not comply with my request, I will escalate this matter by filing a complaint with the CFPB and potentially pursuing legal action to protect my rights under federal law.

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