vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: MN

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 explanation
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
I tried to dispute addresses and credit information in regards to missed payments with Experian and they did not properly investigate

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize any fraud alerts on my file. I request their immediate removal.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due 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 explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Iam writing to remove several unauthorized hard inquiries listed on my credit report. On XX/XX/XXXX I looked at my report and saw these unknown inquiries. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer report can only be furnished for permissible purposes, such as when the consumer has given explicit consent or when there is a legitimate business need initiated by the consumer. I believe the following inquiries do not meet these criteria. I have attached them to this message

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
My phone was stolen or broken into and zelle themselves money. I tried to tell chase bank it wasnt me and they said theres nothing they can do to help me basically its my lost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on me 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 Experians 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 2025-01-24 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: SC

Complaint narrative:
Please help me, I have attached supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-01-24 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: CA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I called my mortgage Penny Mac and informed them that I wasn't able to make my XXXX payment of {$1400.00} and what were my options. The agent informed to that they have loan modification and I began the process of giving information to see if I qualify for a Loan modification. The agent asked me financial questions and said that I prequlified. He said that I will received updates on my account. So I checked my account and sent over financial documents including banking documents. I waited till XX/XX/XXXX and I received a call from Penny Mac stating that I was approved for the loan modification and I great what's the next steps he said some one will call me within 3 business days and explain the program and them he said do you have any other questions. I said yes I have paid my XXXX or XXXX payment should make a payment now. He said no and wait until the other agent calls me and also said they will add the payment to the loan modification in small increments. I said ok and waited until I got the phone call XX/XX/XXXX and agent called me and said that we was going over the program with me and said that I was approved for a repayment program and that it will run from XX/XX/XXXX to XX/XX/XXXX and first payment would be {$2100.00} which is more that my regular mortgage. I was shocked that they would put me on a program like this knowing that I couldn't pay the {$1400.00} how on earth will I pay over {$2100.00}. They said that program will help me catch up on my payments, I was like how is that helping me in my situation. They said we can cancel this program and see if you qualify for anything else. I was like why wasn't that done to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-01-24 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: CA

Complaint narrative:
I have been disputing the validity of certain debts reported on my credit file since 2023. I submitted formal dispute letters to all three credit reporting bureaus ( XXXX, TransUnion, and XXXX ), as well as to the debt collectors ( XXXX XXXX, XXXX XXXX XXXX, etc. ), via certified mail. I paid for these mailings and have receipts to confirm delivery. 

Despite my disputes, the debts were " verified '' without any proof being provided to me as required under the Fair Credit Reporting Act ( FCRA ). I made numerous phone calls to the credit reporting bureaus requesting proper verification and documentation, but none was ever supplied. Instead, I was met with inadequate responses and no substantive resolution. 

As a result of these false and unverified debt reports : I was denied student loan funding. 
This denial forced me to take a semester off from school, delaying my graduation and disrupting my education and career timeline. 
I have attached evidence of my efforts, including : Certified mail receipts proving I sent dispute letters to the credit reporting bureaus and the debt collectors.

Copies of the dispute letters outlining my requests for validation and verification under FCRA.

Documentation showing no validation of the debts was ever provided.

The reporting bureaus have failed to fulfill their obligations under the FCRA by : Reporting inaccurate information without proper investigation.

Failing to provide me with proof of the debts they claim to have verified.

Continuing to allow inaccurate and unverified information to harm my credit report and financial stability. 
I request that the CFPB hold the credit reporting agencies accountable for their negligence, ensure the debts are removed from my credit report, and take action to prevent further harm to me and other consumers facing similar issues. 

The specific accounts I marked as inaccurate are the account with XXXX XXXX  ( Account Number : XXXX ) and the account with XXXX XXXX XXXX ( Account Number : 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 2025-01-24 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 have been disputing the validity of certain debts reported on my credit file since 2023. I submitted formal dispute letters to all three credit reporting bureaus ( Experian, XXXX, and XXXX ), as well as to the debt collectors ( XXXX XXXX, XXXX XXXX XXXX, etc. ), via certified mail. I paid for these mailings and have receipts to confirm delivery. 

Despite my disputes, the debts were " verified '' without any proof being provided to me as required under the Fair Credit Reporting Act ( FCRA ). I made numerous phone calls to the credit reporting bureaus requesting proper verification and documentation, but none was ever supplied. Instead, I was met with inadequate responses and no substantive resolution. 

As a result of these false and unverified debt reports : I was denied student loan funding. 
This denial forced me to take a semester off from school, delaying my graduation and disrupting my education and career timeline. 
I have attached evidence of my efforts, including : Certified mail receipts proving I sent dispute letters to the credit reporting bureaus and the debt collectors.

Copies of the dispute letters outlining my requests for validation and verification under FCRA.

Documentation showing no validation of the debts was ever provided.

The reporting bureaus have failed to fulfill their obligations under the FCRA by : Reporting inaccurate information without proper investigation. 
Failing to provide me with proof of the debts they claim to have verified. 
Continuing to allow inaccurate and unverified information to harm my credit report and financial stability. 
I request that the CFPB hold the credit reporting agencies accountable for their negligence, ensure the debts are removed from my credit report, and take action to prevent further harm to me and other consumers facing similar issues. 

The specific accounts I marked as inaccurate are the account with XXXX XXXX  ( Account Number : XXXX ) and the account with XXXX XXXX XXXX ( Account Number : 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 2025-01-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
With all three credit bureaus i disputed some debt charges that wasn't supposed to be on my credit in the first place. I filed a police report for a car accident i was in on XX/XX/year>. I reported it to the dealership because it was appraised as totaled. Instead of them just letting me pay the car off because i was still making my payments. They decided to sell my contract to the creditor company after the dealership had switched ownership of the dealership. I gave all of my evidence to the creditors from the accident and the evidence of my payments that the dealership said I didn't make. It didn't matter they still wouldn't do anything about it once they realized that the dealership didn't want to deal with it. Also there are some other charges that i disputed that wouldn't get resolved as well i kept getting rejected for things that were on my credit. I also had to file a police report for fraud on XX/XX/year>.

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