vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXXXXXX XXXX within the required 30-day timeframe regarding a dispute I submitted. Because Experian failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately.

Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Experian has failed to do so, making them non-compliant with federal law.

No Verification Provided Because the timeframe has expired and Experian has not provided verification, this disputed item is now legally required to be deleted from my credit report.

Ongoing Harm Due to Negligence Experians failure to act within the legally mandated time frame has caused unnecessary harm to my creditworthiness, and I demand immediate corrective 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 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Aldridge Pite, LLP
State: WA

Complaint narrative:
What happened : I have repeatedly reached out to the involved parties, XXXX XXXX XXXX  ( XXXX ) and Aldridge Pite LLP, and despite notifying them of these issues, I have not received satisfactory responses. The foreclosure process proceeded, even though fraudulent activities occurred, and I was not involved in the loan. 

They are fully aware that I was misrepresented as both the borrower and the buyer in the loan documents for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and despite this, they were willing to take advantage of the situation. Despite being unemployed and not participating in the loan application or approval process, my name was included in the secure funding documents and deed of trust without my knowledge or consent. I was never informed about the implications of signing these documents, nor was I given proper disclosures regarding the loan terms, fees, or other related costs. 

Additionally, I contributed settlement funds as the down payment for the property, but the source of the down payment was not disclosed, and I did not receive any receipt for my contribution. My personal information was misused during the loan approval process, even though I was not involved in the loan. These issues were further compounded by fraudulent appraisal reports and misrepresentation in the loan documentation, which ultimately led to the wrongful foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Chime Financial Inc
State: GA

Complaint narrative:
writing to formally report unauthorized transactions and theft of services associated with my account. On XX/XX/year>, three fraudulent transactions were made using my payment method without my authorization. The details of these transactions are as follows : Transaction ID : XXXX | Amount : {$35.00} Transaction ID : XXXX | Amount : {$4.00} Transaction ID : XXXX | Amount : {$4.00} Total Amount : {$45.00} These charges were made without my consent, and I did not receive any goods or services in exchange. I reported this issue to my financial institution on XX/XX/year>, and have since filed a formal dispute. As part of their investigation, I am now reaching out directly to XXXX to request the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-08 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX Balance {$250.00}

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment. 


Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 
Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 
Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute.

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 2025-03-08 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: MD

Complaint narrative:
I am writing to dispute certain late payments listed on my consumer report, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment. 


Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed. 
Please provide me with documentation regarding the resolution of my dispute and furnish an updated consumer report reflecting the amendments made. I remind you that this is my initial attempt at resolving this matter amicably and in accordance with legal protocol. 
Kindly address this matter with utmost urgency to prevent any further harm to my creditworthiness. I anticipate your prompt response and cooperation in resolving this dispute.

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 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding their handling of a supposed lawsuit for a XXXX credit card debt of {$3400.00}. My aunt was given a document stating that the company intended to sue me over this debt. Upon receiving this information, I immediately contacted the company through their web services to ensure written communication. 

During our conversation, I informed them that this was the first time I had heard of the debt and that I was not currently in a financial position to pay the full amount. They stated that there was nothing they could do unless I paid, at which point they would dismiss all legal proceedings. As a student, I explained my financial situation and attempted to negotiate a lump-sum payment for a smaller amount, but they refused. Eventually, I was able to arrange a payment plan of {$50.00} per month under the condition that they would remove any legal proceedings against me. This agreement was reached on XX/XX/XXXX, and I was told I would receive a stipulation letter to sign, ensuring that no further legal action would be taken. 

As of today, XX/XX/XXXX, I have not received the promised letter, nor have I found any record of a lawsuit filed against me in court records. Despite this, their website continues to indicate that a lawsuit is pending. I am concerned that this company XXXX be using deceptive or fraudulent tactics to pressure me into making payments under false pretenses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Debt not valid, unknown debt. I do not know of this debt it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
i did not open this account they keep puting it back and changing the name creditor has violated my rights under section 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In regards to the XXXX XXXX lawsuit, I was negatively impacted after receiving a response from the credit agency indicating that the disputed account ( XXXX ) were " verified. '' Unfortunately, the agency failed to provide detail information of the results and/or decision of their investigation ; which is in violation of the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or 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 ongoing 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) by not completing its investigation on XXXX BANK within the required XXXX timeframe regarding a dispute I submitted. Because Experian failed to verify or correct the disputed item within the legally required timeframe, it must now delete the item from my credit report immediately. 
Details of the Violation : Failure to Investigate Within 30 Days Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the FCRA, credit reporting agencies must complete an investigation within 30 days of receiving a consumer dispute. Experian has failed to do so, making them non-compliant with federal law. 
No Verification Provided Because the timeframe has expired and Experian has not provided verification, this disputed item is now legally required to be deleted from my credit report. 
Ongoing Harm Due to Negligence Experians failure to act within the legally mandated timeframe has caused unnecessary harm to my creditworthiness, and I demand immediate corrective 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX CARD # XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I called in to verify I was eligible and qualified for a {$300.00} bonus to open a new checking account on XX/XX/24. The offer code was below. The agent I spoke with for XXXX mins confirmed it was and told me to proceed and he'd have all documentation out on my account so it hit. It's been 90 days and never hit. I called today ( date opening this ticket ) and the BofA rep has no knowledge of it and there aren't any notes {$300.00} BofA - 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-08 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX BALANCE {$560.00} XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief