vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked to see incorrect accounts appear on my credit report this morning, and I have no clue how they got there. I check my report regularly, and everything was fine before, but today, unexpected discrepancies appeared. I even refreshed my browser to see if it was a mistake, but the inaccurate accounts remained. Therefore, I am requesting a thorough review of the documents I submitted to ensure I never have to deal with this issue again.

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 2025-02-07 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: FL

Complaint narrative:
XXXX did NOT respond to my request for evidence that a payment was late on XX/XX/XXXX in the account ending in XXXX. 

Commensurate with the CFPB lawsuit against Experian ( XX/XX/XXXX ), TransUnion, Equifax and Experian did NOT investigate or provide accurate reporting or a response.

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 2025-02-07 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:
XXXX did NOT respond to my request for evidence that a payment was late on XX/XX/XXXX in the account ending in XXXX. 

Commensurate with the CFPB lawsuit against Experian ( XX/XX/XXXX ), TransUnion, Equifax and Experian did NOT investigate or provide accurate reporting or a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: GA

Complaint narrative:
US Bank gave me an offer on my online card banking portal. The offer was 10 % Cashback for purchase at XXXX online and there will be twice cashback if purchase made between XX/XX/XXXX to XX/XX/XXXX. 

I made a purchase online at XXXX on XX/XX/XXXX for {$140.00} ( please see attached receipt for making online purchase with the US Bank card ). 

I was expecting {$28.00} cashback for this purchase ( 10 % x2 for purchase worth {$140.00} ), however I did not receive the cashback. 

I called US Bank support on XX/XX/XXXX and they opened a service request for not honoring the cashback and open an investigation. Service request reference # XXXX I received a letter on XX/XX/XXXX from US Bank which simply stated that we are aware you opened inquiry and call XXXX our technical support for further assistance. Letter did not specify if they are further investigating, or resolution has been reached and what is the resolution. 

Since I did not receive any update after that, I called on XX/XX/XXXX per letter and I got several times rerouted with no one seem to be knowing who can help. I was transferred from card service to technical support to online banking to again technical support and went on for an hour. 
One agent mentioned during the call that your service request has been closed and you should have got the letter however letter I received doesnt specify any resolution. 

I have spent hours of calls and follow ups with US Bank with unsuccessful attempts and really appreciate further help.

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 2025-02-07 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: IL

Complaint narrative:
I am writing to express my concern and dissatisfaction regarding the handling of my dispute and the failure to validate the accounts in question within the 30-day timeframe as required under the Fair Credit Reporting Act ( FCRA ). Additionally, the necessary corrections to my credit report have not been made, despite my efforts to resolve this matter. 

On XXXX, I submitted a dispute to Experian, Equifax, & TransUnion regarding inaccurate information on my credit report. Specifically, I requested validation of the accounts listed below : XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # xxxxxx To date, I have not received any validation of these accounts, nor have the inaccuracies been corrected on my credit report. This lack of action has caused significant harm to my financial well-being, including but not limited to : Denial of credit opportunities Higher interest rates on loans Emotional distress and frustration Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days and provide a response, including corrections or validation of the disputed information. The failure to do so is a violation of my rights as a consumer. 

I respectfully request that the CFPB investigate this matter and ensure that the credit bureau ( s ) involved comply with their legal obligations. Additionally, I urge the CFPB to take appropriate action to hold the credit bureau ( s ) accountable for their failure to act within the required timeframe and to ensure that my credit report is corrected promptly.

Please find attached copies of my dispute letters, correspondence with the credit bureau ( s ), and any other relevant documentation for your review. 

I appreciate your attention to this matter and look forward to a resolution. Please contact me at [ your phone number ] or [ your email address ] if you require any additional information or documentation.

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 2025-02-07 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-07 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : Cease and Desist Notice To Whom It May Concern, I am writing to formally request that you cease and desist from reporting inaccurate and unauthorized information on my credit report.

My personal information has been reported without my consent, and I have evidence that this information may be inaccurate or misleading. Under the Fair Credit Reporting Act, I request an immediate investigation into these matters. 

Details of the Disputed Item : o Creditor Name : XXXX XXXX XXXX o Account Number : XXXX. 
o XXXX of the Issue : Never had an account with these company, inaccurate information I expect that you will stop any further reporting of this inaccurate information until the matter is resolved. Please confirm in writing that you have received this letter and that you have complied with my request within 30 days. 
Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-07 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: AR

Complaint narrative:
I recently review a copy of my credit report noticed I had fraudulent accounts and inquiries on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-07 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: CA

Complaint narrative:
I am writing to formally dispute the XXXXXXXX XXXX collection for XXXX that appears on my credit reports with Experian, TransUnion, and Equifax. Despite my repeated attempts to provide clear documentation proving the inaccuracy of this account, all three credit bureaus have failed to conduct a proper reinvestigation, as required under the Fair Credit Reporting Act ( FCRA ). 

To avoid further harm to my credit, I have been making payments on this balanceeven though this debt is not mine. I was harassed into paying it under the threat of continued negative reporting, yet the bureaus and the creditor have never provided me with verifiable proof that this account is valid. This is completely unacceptable and a clear violation of my rights under federal law. 

Your refusal to remove or correct this information has unfairly damaged my credit and financial standing. This pattern of negligence aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian, which exposes serious failures such as ignoring consumer-provided evidence, accepting unreliable responses from furnishers, and failing to properly notify consumers of dispute results. 

In my case, Experian, TransUnion, and Equifax have not provided any verifiable documentation proving the accuracy of the XXXX XXXX  collection for XXXX. If you can not verify this account with concrete proof, it must be removed immediately, as required by law. 

I am urging the CFPB to investigate these ongoing violations and hold all three credit bureaus accountable for failing to uphold the FCRA. Consumers deserve fair and accurate credit reporting, and I will not stand by while Experian, TransUnion, and Equifax continue to disregard their legal responsibilities. 

I expect an immediate resolution 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 explanation
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history 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 to be 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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 2025-02-07 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: Self Financial Inc.
State: TX

Complaint narrative:
Self Financial/Lead Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open : XXXX Original balance : {$520.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts. As Experian 's inaction violates federal law and my rights 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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding a refund of {$3100.00} from XXXX that was sent to my closed Wells Fargo account ending in XXXX and has not been properly credited or returned to me.

Incident Timeline : Original Issue : XXXX issued a refund of {$3100.00} to my closed Wells Fargo account. 
Instead of receiving the refund, the funds appear to have been lost, and Wells Fargo has not provided any clear documentation on where the money was sent. 
Claims Assistance Center ( XXXX XXXX XXXX ) : I received documentation from Wells Fargos Claims Assistance Center, but it incorrectly treated the issue as a dispute of the original purchases rather than a missing refund.

I called the Claims Assistance Center on XXXX XXXX XXXX, and spoke with a representative who confirmed that the claim was being handled as a transaction dispute. 
The representative stated that the Claims Department could not resolve this issue and advised that it should be handled by Customer Service. 
I attempted to contact XXXX XXXX ( XXXX Representative handling my case ), but I had to leave a voicemail. 
Conversation with XXXX XXXX ( XX/XX/year> ) : XXXX XXXX stated that the Claims Department traced the issue back to the original transactions because that was the only information they had. 
When I asked for documentation showing where Wells Fargo sent the money, he said he could not provide any and that he did not have any trace numbers. 
When I asked what the Claims Department actually investigated, he could not give me a clear answer. 
He told me I was welcome to file another complaint. 
I informed him that I had previously spoken with Wells Fargos Fraud Prevention Department, and they said the refund was held for a few business days before being sent back. 
I asked XXXX XXXX if he could contact the Fraud Prevention Department to obtain supporting documentation, but he said he could not and referred me to obtain their contact information myself. 
Key Issues : Wells Fargo has not provided any documentation or trace numbers showing where the refunded money was sent. 
The issue was wrongly processed as a transaction dispute instead of a missing refund. 
The Fraud Prevention Department acknowledged that Wells Fargo held the funds before sending them back, but no documentation has been provided to verify this. 
XXXX XXXX and the Claims Department have not given a clear explanation of their investigation or resolution.

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