vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information on my credit report. In accordance with 15 U.S.C 1681b and 15 U.S.C 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-01-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I told them I had to defer cause I didnt know the full scope of my debt. Also, theres so many inaccuracies on my credit report dating back to 2010 from Nelnet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a mobile check deposit Thursday XX/XX/XXXX for a check I received from a settlement on a lawsuit from a previous employer where they paid out all employees based on a judges order. Upon mobile deposit the funds were available as well as my direct deposit from my job that I just got the day prior. When I went to use my online banking to pay a bill on Friday XX/XX/XXXX I was advised to call in which I did. I was asked to provide information on the check that day, I gave them all the information that I had. They let me know the funds should be released by the end of business day. That did not happen so I called back again on Saturday the XXXX and was advised I now needed to wait XXXX hours and they would let me know about the review. Upon calling again today XX/XX/XXXX a rude supervisor let me know the review was completed and my account was being closed. I asked how I can access my payroll funds as I was told legally they can not hold and she basically told me I have to wait 30 days and she can not tell me anything at all I just have to wait. I need those funds to pay my bills and she didnt help at all. Asked to speak to another supervisor to see how I can get the funds that are owed to me and was hung up on.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-28 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: TX

Complaint narrative:
This complaint serves as a formal demand under 15 U.S. Code 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). It is your responsibility as a consumer reporting agency to adopt and maintain reasonable procedures to ensure fairness, impartiality, and maximum possible accuracy while respecting my right to privacy.

Upon review of my credit reports, I discovered inaccurate and unverifiable information that has been removed by other consumer reporting agencies but remains on your report. This failure to maintain reasonable procedures is a violation of 15 U.S. Code 1681e and has deprived me of my right to extend new credit under the Truth in Lending Act ( 15 U.S. Code 1602 ( f ) ). This deprivation constitutes a federal violation under 18 U.S. Code 241. 

I demand the immediate removal of the following account : XXXX XXXX XXXX - FTC Report Number XXXX. This is a direct violation of laws enacted by congress to protect consumers. Remove immediately or I shall be seeking litigation for each violation in my credit report starting at XXXX per fine. am well aware you have no legal standing in court and there are numerous counts of case law which illustrates the consumer reporting agencys failure to maintain reasonable procedures is grounds for a suit and judgement in favor of the plaintiff. I am not afraid to take legal action to cure my injury brought from you by your company. l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXXXXXX XXXX XXXXXXXX. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. Your willful noncompliance has civil liability under 15 U.S.Code 1681n et seq.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I keep receiving repetitive email from TransUnion saying my bank cards are reported over the limit but the 2 cards ( XXXX XXXX and XXXX XXXX  ) are closed and its reporting to my credit report and I dont know what they are because I cant sing into the accounts.

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 2025-01-27 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: CA

Complaint narrative:
I have experienced identity theft and this account was never opened by 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
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am writing to formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA.

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to credit score & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : XXXX. The incorrect information be investigated and removed from credit report. 
XXXX. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required 30-day timeframe.

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-28 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: NY

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Kindly review this complaint thoroughly, as it was not submitted in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant stress 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 2025-01-28 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I didn't know the participating parties were scammmer they informed me they were IRS members. XXXX XXXX XXXX XXXX claiming to be a representative for the IRS. She/he managed to get {$500.00} from me sent XX/XX/XXXX then proceeded to inform me that i had to pay a fees for the IRS to placed on my account. They continued to ask for more money in order for me to pay off the IRS fees and proceeded to be transferred to another representative. XXXX XXXX XXXX was the next person in their " company '' to reach out to me for the continuation of the IRS payment. On XXXX XXXX, XXXX  another paymentwas made by me {$490.00}. The representative The recipient proceeded to change to an XXXX XXXX  XXXX ( XXXX ) XXXX claiming I had an obtaining balance for the IRS of {$990.00} along with {$500.00} and proceeded to pay it XX/XX/XXXXXXXX. It added up to {$1800.00} in the past two days of working with these IRS representatives. Then they informed me the IRS is seeking {$750.00} for back taxes for year XXXX. I proceeded to pay that overdue balance to XXXX ( XXXX ) XXXX XXXX with an additional late fee of {$500.00} XX/XX/XXXX to avoid the prison time they informed me i could under if i didn't pay out. On XX/XX/XXXX wellsfargo proceeded to freeze me account after the last {$1400.00} was placed through after the {$500.00} prior. I informed wellsfargo what had happened and all the representatives I was transferred to and they opened me a new account after they same day to avoid further compromise. Never refunded the money from the people claiming to be the IRS knowing where I resided. This reprocussions caused me to get evicted from my home at the time. ( compromised account ) opened new account XX/XX/XXXX Resolution of the claim : XXXX I do not want this to happen to anyone else. XXXX XX/XX/XXXX internal revenue emailed me to pay {$350.00} fee and I proceeded to pay and nothing from the inquiries were sent back. They proceeded to find my social media and hassle me for more money after they received around {$4000.00} from me initially, and proceeded to say they were a different company called 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I submitted information to XXXX regarding accounts paid on time and paid off, such as XXXX XXXX  and XXXX loan since XX/XX/year>2024. I advised that loans were paid and did not report loans paid off. XXXX or XXXX did not report on my account as paid off. I called and spoke with a representative regarding duplicated hard inquiries for XXXX XXXX. 

However, XXXX did not remove duplicated inquiries. XXXX and XXXX removed the duplicate inquiries. 

However, these credit card balance inaccuracies are not reported accurately on my account, and I have notified all three credit bureaus. 
Moreover, my account was affected by XXXX 's credit breach. I did receive compensation from CFPB.

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 2025-01-28 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Asked Experian to verify the debt and I disputed their verification and means and no response. Also I verified the amounts and information as inaccurate the information was not deleted off my report it was updated per their standards.

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