vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Subject : Credit Bureau Failed to Provide Proof of Debt FCRA Violation Complaint : I submitted a dispute with Experian on XX/XX/year> regarding accounts that I do not recognize. I requested verifiable proof, including a signed contract or original agreement, to confirm that I am responsible for this debt. 

However, Experian updated my credit report without providing any documentation or proof that the debt belongs to me. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to conduct a proper investigation and provide evidence when requested. 

I spoke with Experian on the phone and they said they do not have to provide Method of Verification. I told the agent that under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), the credit bureau must provide the method of verification ( MOV ) upon request if they have verified a disputed item on your credit report. 

Account Name : XXXX  XXXX XXXX ( original creditor ) Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX ( original creditor ) Account Number : XXXX Reason : XXXX  account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} Account Name : XXXX XXXX XXXX XXXX Account Account Number : XXXX Reason : Unverified account Amount : {$XXXX} I am requesting the following corrective actions : The immediate removal of the disputed collection account from my credit report. 
A written explanation of how the account was verified, including the name and contact details of the verifying party. 
Compliance with FCRA regulations to ensure that no unverified accounts remain on my credit report. 
If this issue is not resolved promptly, I will consider further action, including contacting an FCRA attorney to seek legal remedies. 

Attachments : A copy of my original dispute letter

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 2025-02-20 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: NY

Complaint narrative:
On XX/XX/year> a dispute was opened regarding the creditor XXXX XXXX. The creditor XXXX XXXX submitted a 1099-discharging this debt therefore I am no longer liable for this account. I requested Equifax to remove this account from my file however they insist to keep confirming the information and not removing it from my Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
My name is XXXX XXXX and I have experience an unbelievable situation with XXXX XXXX XXXXthat I can categorize as a scam. On Monday, XX/XX/XXXX I have called the company XXXX XXXX XXXX behalfof my friend, XXXX XXXX ( she was in the hospital recovering from a XXXX XXXX { https : XXXX } and give permission to speak on her behalf ) The phone number associated to her account was ( XXXX ) XXXX. I was told her account was canceledon XX/XX/year>2025 and she has one month to pay the service balance of {$1100.00} and reinstall her account and use the same phone number. Once they processed the payment I was told I have the option to cancel, if for some reason I changemy mind. The next step would have been them calling me back in about 30 min to activatethe new card that I purchased from XXXX XXXX XXXX and have the same phone number. I never received a phone call back and after one hour, I called them. I was surprised to hear that her account was canceled on XX/XX/year>2025 and there is no chance she can continue to have the same number. For XXXX it was crucial to have the same number so she can log in her Email and XXXX, now that she lost in the fire her phone, birth certificate, ID, SSN card. We made a big financial effort to pay the amountof XXXX, that being the situation XXXX is in, and insteadwe didn't receive anything. I filed for a refund and I received a denialwith no explanation ( see attachment ). My friend, XXXX, is not gravingonly for materialthings lost in the fire, but also for her XXXX XXXX XXXX son that died in the XXXX and employees from XXXX & took advantage of the situation, even though we explained everything and made the payment based on wrong information. I tried to cancel the transaction throw my bank but i didn't receive any answer.I am hoping this letter will help get the money refunded because we were played by the company.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year>, I spent 23 mins on hold to inquire how to payoff and close my BofA credit card. I was told they would notate my account to be closed, and that I could payoff and close at a branch location.

I went in person to obtain a cashier's/ bank check out of my checking account, which the issuing bank advised were guaranteed funds as they came out of my checking account immediately. I then walked into a BofA branch, applied the funds toward my credit card to payoff the balance in full. The branch representative advised they were not able to close the credit card, and told me to call the customer service phone number on the back of the credit card.

I waited on hold for 45 mins to speak to a representative. That person refused to close the credit card as the payment was pending, and told me I would need to speak to a specialist. He was unable to connect me to the specialist at that time, and advised me to call back. 
It is now XX/XX/year>, and the funds are still in a pending status on my credit card. That means BofA has had my money for the use of the institution for two days without actually applying those funds toward my account.

I've spoken to three different representatives, at three different times, and they have refused to close my account, even though they took my money.

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 2025-02-20 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: Experian Information Solutions Inc.
State: LA

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 2 : 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 seven years.

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 2025-02-20 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: LA

Complaint narrative:
My credit was pulled more than one time at this XXXX dealership in which they should have pulled only once!! I need these inquiries removed from all three credit bureaus Experian, Transunion, and Equifax.

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 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Regarding my federal student loans, these 4 separate loans are showing as delinquent on my credit report. I was not notified via call, mail, or email direct ( now seeing nelnet has gone to my spam ). My mailing address was also incorrect, it has now been corrected on nelnet via a phone call. I was under the impression that since my last conversations with nelnet my account was in deferment still. Now that my credit score dropped over XXXX pts am I now getting the credit notifications of delinquencies, never any direct contact from nelnet of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi XXXX credit card lowered my credit limit from $ XXXX to {$500.00} citing sever delinquencies. 

XXXX XXXX XXXX  card number from citi : 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 2025-02-20 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
Consumer complaint received 2025-02-20 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: 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 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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I requested a copy of the 1099C ( Cancellation of Debt ), that American Express should provide since what's reporting on my credit report status as being charge off. If in fact it has been written/charge off then American Express should provide me with a copy of the 1099C ( Cancellation of Debt ). If they did not write the account off then why is it reporting on my credit as a charge off account which would be inaccurate reporting as well as false information and fraud. I need a copy of the 1099C ( Cancellation of Debt ) and its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX & XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$280.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report. 
Additionally, due to the Experian Data Breach, I am concerned about potential fraudulent activity affecting my credit profile. Given this breach, any unverifiable or incorrect accounts must be removed from my report as mandated by federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), providing misleading or inaccurate debt information violates consumer protection laws. The presence of unverifiable items on my credit report constitutes deceptive and unfair practices.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
1.I have attached a copy of the letter I sent them. I only received a statement but nothing else. collection Agency did not provide any documentation showing title or any agreement with me.

2. Reporting to credit agency as open/active account with a past due amount. This is an incorrect statement.

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 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Olson Associates PC
State: UT

Complaint narrative:
This company has a garnishment order that has completed the amount collected. I confirmed with my employer and they acknowledged that they should have received a release of garnishment and have not. 

I called Olsen Shaner and they stated over the phone they do not provide a release of garnishment and my employer should just know when to stop. My employer confirmed they will not stop garnishing until they receive the Release of Garnishment from Olsen Shaner.

I just need Olsen Shaner to provide what is needed to my employer as they have received more than the garnishment order stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-20 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: IL

Complaint narrative:
Ive had multiple inquiries from your company show up on my credit report that I know I didnt authorize.

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 2025-02-20 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: NY

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 2 : 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed 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 non-monetary relief
Consumer complaint received 2025-02-20 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: NY

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 2 : 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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Due to growing concerns about recent changes to Wells Fargo 's 'Dispute a Transaction ' process, [ including a Dispute decision that resulted in my losing a disputed hotel debit payment ], I shared concerns regarding same in a XX/XX/scrub>XXXX  letter to the bank 's SVP w/ oversight responsibility for the Wells Fargo Claims Assistance Center . 

Although it's now been well over 30 days, there has been no reply from the bank to date. A copy of my XX/XX/year> letter will be uploaded for review and oversight.

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