vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
Equifax is reporting accounts on my credit report as open late and delinquent. These accounts are listed in my XXXX  XXXX bankruptcy which is listed on my credit report. This information is contradictory and hurting my ability to obtain a proper credit score and credit.

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 2025-02-08 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: FL

Complaint narrative:
Bankruptcies are on my report and I never filed anything and the third party has verified that they never provided anything to trans union and XXXX  account also has been placed on my account and I never lived at that address and I am a victim of identity theft and I have filed a report with ftc to verify this trans union has been contacted via mail in writing as well as XXXX and I have disputed this on their website as well I have also asked trans union to remove the inquiries as I never authorized them and being a victim of identify theft they must remove them they are hurting me financially and personally violating 15 usc 1692c and 15 usc 1681 and I am also a victim of the data breach of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
XXXX XXXX updated late payments on active account to from XXXX to XXXX, but TransUnion and Experian credit bureaus are not following suit only XXXX is. 

If a creditor knowingly reports incorrect information or fails to correct an error after being notified, the consumer may seek damages under California Civil Code Section 1785.31, which provides remedies for violations of the California Consumer Credit Reporting Agencies Act ( CCRAA ). 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Remove inaccurate late payments 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 2025-02-08 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: OH

Complaint narrative:
Hi Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove the following Inquiry from my credit report, immediately : XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX  ( Bank )

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi Recently, I did an investigation on my credit report and found several items and inquiries on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.A Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove the following Inquiry from my credit report, immediately : XXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX  ( Bank )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: World Omni Financial Corp.
State: CO

Complaint narrative:
I leased a XXXX XXXX from XXXX XXXX XXXX in XXXXXXXX XXXX on XX/XX/XXXX with a lease end date of XX/XX/XXXX. I had moved out of state from XXXX to XXXX in XXXX of XXXX and communicated with the financing department that coordinated the lease, XXXX XXXX XXXX. As the lease end date approached I was in direct communication with their lease-end team that I was intending to return the vehicle to a dealership that was not the originating dealership to which I was told that any dealership that was willing to receive the vehicle and was a XXXX associated dealership would be fine. I returned the vehicle my local dealership of XXXX XXXX XXXX on XX/XX/XXXX with their lease end specialist with a confirmation and odometer attestation that was to be sent to XXXX for them to be able to collect the vehicle. I have subsequently be charged by XXXX for two months of lease payments to which I spoke to their call center several times that I have returned the vehicle to an acceptable dealership with all necessary information. I was told that my account would be updated. I was still called by their financial team about an overdue balance and furnished the information multiple times without account resolution. I have also spoken to the lease end specialist at XXXX XXXX XXXX to confirm that this information has been conveyed to the XXXX team. This overdue balance has now been reflected on my credit report as delinquency despite my efforts. I have yet to get a satisfactory solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I opened a checking account online at Bank of America. I was charged a monthly fee that I was not aware of and no banker reached out to explain that the new account comes with a fee. 

I have also asked BOA to close this account a couple of months ago but the account is still open as of today

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 monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
XXXX Loans consolidated to Mohela. Mohela started a new trade line instead of transferring old one. Credit reports show XXXX reports as open, resulting in duplication. Mohela was paid off in XX/XX/year> which is reflected on credit report. XXXX remains on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate payment history information on my Experian credit report. Specifically, Experian has failed to properly verify the reported payment history with the creditor, resulting in misleading and incorrect information on my report. 

The details of the disputed account are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Dispute Issue : Late payment incorrectly reported Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and verify disputed information directly with the creditor. However, I have reason to believe that Experian did not properly verify my payment history, as the creditor has confirmed that the reported late payments are inaccurate. 

To support my dispute, I have attached the following : A copy of my credit report highlighting the inaccurate payment history. 
A statement or letter from the creditor confirming my payment history. 

I request that Experian immediately : Conduct a thorough reinvestigation of this dispute, ensuring direct verification with the creditor. 
Provide me with a written statement explaining the investigation process and the name of the entity verifying the information. 

Update or remove the inaccurate payment history if verification can not be properly substantiated. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If the inaccurate information is not corrected or if Experian continues to fail in properly verifying my dispute, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 


Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate payment history information on my Experian credit report. Specifically, Experian has failed to properly verify the reported payment history with the creditor, resulting in misleading and incorrect information on my report. 

The details of the disputed account are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Dispute Issue : Late payment incorrectly reported Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and verify disputed information directly with the creditor. However, I have reason to believe that Experian did not properly verify my payment history, as the creditor has confirmed that the reported late payments are inaccurate. 

To support my dispute, I have attached the following : A copy of my credit report highlighting the inaccurate payment history. 
A statement or letter from the creditor confirming my payment history. 

I request that Experian immediately : Conduct a thorough reinvestigation of this dispute, ensuring direct verification with the creditor. 
Provide me with a written statement explaining the investigation process and the name of the entity verifying the information. 

Update or remove the inaccurate payment history if verification can not be properly substantiated. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If the inaccurate information is not corrected or if Experian continues to fail in properly verifying my dispute, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 


Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 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: NJ

Complaint narrative:
XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actio

ns may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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 A ct ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I 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 and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actio

ns may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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 A ct ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I 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 and 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I filed for bankruptcy in 2020. My student loans were included in the bankruptcy filing however Aidvantage is still reporting them to XXXX as open. They were held by XXXX at the time of the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I received a letter from Money Network XXXX XXXX, XXXX with the last XXXX digits of my Lost Economic Impact Payment Card, I never received my EIP card or it's complete number. It is impossible to get in contact with them. I sent a letter return receipt requested and there is no reply. As a low-income XXXX years-old-senior this economic help will mean a lot to me.The total amount XXXX payments XXXX of {$600.00} and the XXXX  of {$1600.00} Please help 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