vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: AL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights. 
XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Section 602 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, states that consumer reporting agencies must act fairly, impartially, and with respect for consumers ' privacy rights.

15 U.S. Code 1681s2 states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute 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 explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
I have requested an investigation several time from Transunion XXXX XXXX  requesting that they fix an error on my credit report that is reporting adversely for XXXX XXXX. Also, it's been reporting adversely for over XXXX years now. I have provided Transunion with documentation regarding the XXXX account, however they refuse to respond to my dispute inspite of several attempts.

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 2025-02-26 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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST COMMUNITY MORTGAGE, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX  As of XX/XX/year> had not communicated with me that they had sent or processed my escrow money due from a payoff of my mortgage on XX/XX/year>. After calling on XX/XX/year> XXXX  Informed me that they sent me a check for my escrow money on XX/XX/year> and it would be to me in XXXX days. XXXX XXXX states that money is due to me before XXXX days not mailed to me via snail mail in XXXX. I called and asked it to be direct deposited into my bank and I was refused. this is quite ironic since they accepted direct payment form the same bank for the entirety of the loan. Holding consumers money for extra time to collect interest and depriving the consumer of earning it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
Improper use of information Dear Sir/Madam I XXXX, A consumer Request for Debt Validation Pursuant to 15 USC 1692g Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay vou You are in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section XXXX and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I Request that you provide me the " XXXX XXXX Of XXXX '' showing how much YOU paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR ORGANIZATION IN THE XXXX  XXXX  XXXX XXXX. 

Until the requested verification contract and purchase agreement are provided, I ask that you REMOVE & DELETE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you DELETE & REMOVE all collection efforts entirely. 
Please respond within the XXXX period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Please delete from my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-02-26 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:
Demand for XXXX Removal of Unverified Account Violation of 15 USC. 

I am disputing the following account on my credit report, as the late payments history and account status over XXXX  days can not be verify with supporting documentation within XXXX  days, per federal law ( XXXX XXXX ) if the credit bureau fails to provide supporting documentation from the creditor providing the validity of this account, you must delete them immediately as required by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must remove any unverified account after XXXX  days and failure to comply is a direct violation of federal law. You can not simply " verify '' account electronically or rely on data furnishers without providing tangible proof. 

Additionally, 15 USC 1681b - states that without my express written consent this account should not be reported. If you continue reporting unverifiable account, I will escalate this matter to Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action for damages. 

Please provide written confirmation of the deletion of the disputed accounts within XXXX  days.

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 2025-02-26 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: VA

Complaint narrative:
Demand for XXXX Removal of Unverified Account Violation of 15 USC. 

I am disputing the following account on my credit report, as the late payments history and account status over XXXX  days can not be verify with supporting documentation within XXXX  days, per federal law ( XXXX XXXX ) if the credit bureau fails to provide supporting documentation from the creditor providing the validity of this account, you must delete them immediately as required by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must remove any unverified account after XXXX  days and failure to comply is a direct violation of federal law. You can not simply " verify '' account electronically or rely on data furnishers without providing tangible proof. 

Additionally, 15 USC 1681b - states that without my express written consent this account should not be reported. If you continue reporting unverifiable account, I will escalate this matter to Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action for damages. 

Please provide written confirmation of the deletion of the disputed accounts within XXXX  days.

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 2025-02-26 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: VA

Complaint narrative:
Demand for XXXX Removal of Unverified Account Violation of 15 USC. 

I am disputing the following account on my credit report, as the late payments history and account status over XXXX  days can not be verify with supporting documentation within XXXX  days, per federal law ( XXXX XXXX ) if the credit bureau fails to provide supporting documentation from the creditor providing the validity of this account, you must delete them immediately as required by law. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must remove any unverified account after XXXX  days and failure to comply is a direct violation of federal law. You can not simply " verify '' account electronically or rely on data furnishers without providing tangible proof. 

Additionally, 15 USC 1681b - states that without my express written consent this account should not be reported. If you continue reporting unverifiable account, I will escalate this matter to Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action for damages. 

Please provide written confirmation of the deletion of the disputed accounts within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: OH

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 anguish 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 2025-02-26 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: TX

Complaint narrative:
Their are wages and creditors on my credit report that is not mine and I want them remove off my credit report can you send me a letter to mail to these creditors to remove false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: World Acceptance Corporation
State: TX

Complaint narrative:
Their are wages and creditors on my credit report that is not mine and I want them remove off my credit report can you send me a letter to mail to these creditors to remove false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
So about two-three weeks ago, someone withdrew money from my savings account at a Wells Fargo Branch and stole about {$59000.00} in my savings. I called the bank the same day and closed that account and filed a claims report. The next day, someone went to multiple ATM machines ( at a Wells Fargo ATM ) and withdrew and purchased an amount close to {$1500.00} dollars in my checking account using a fraud debit card and my pin number. I called the bank the same day and closed my checking account. 
That same evening on the XXXX or XXXX, I went inside a Wells Fargo bank and opened a new checking/savings account with a debit card and pin number. I also filed a claims report on the checking account that had fraud on it. Now XXXX days ago, I received a letter in the mail from Wells Fargo stating that they did find evidence of a fraud activity in my savings account but not in my checking account and reversed the credited amount that was stolen from me. Today on XX/XX/year>, I went to the sheriffs department to file a police report because i asked Wells Fargo to check the ATM cameras and confirm that it wasn't me so that I can get my money back. However, since they do not know who the perpetrator is, the sheriffs department advised me on submitting a report here. 
At this point, I just want the money back that was stolen from me in my checking account, I asked Wells Fargo to check the ATM camera but they declined this, I spoke to theirs managers and they said there was no fraud but I am telling them that this is a fraud and I have evidence to show but they are unwilling to accept it. It just feels like Wells Fargo is pushing this away when I just want my hard worked money back. What next steps can we do?

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 2025-02-26 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The following Account for XXXX is reporting on my credit report as a credit card for amount of {$100.00} that was closed. This has been on my report for 11 years 6 months this should be off my report after 7 years. Also I never open this account as well this is not my account. There is no activity, payments, transaction anything that was done with this account at all. Please remove there some many inaccuracies wrong with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-26 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief