vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: UT

Complaint narrative:
I am submitting this complaint regarding Experian 's failure to properly investigate Disputes i have filed concerning inaccurate information on my credit report. Despite me providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Also, Experian has violated Codes, 15 U.S. Code 1681 ( e ), 15 U.S. Code 1692 ( g ), 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 15 U.S. Code 1666 and 1666 ( b ), 15 U.S. Code 1681 ( s ) 2. 

The inaccurate accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX {$880.00} charged off opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$1400.00} collections date opened XX/XX/XXXX. 
XXXX XXXXXXXX XXXX # XXXX XXXX {$31000.00} charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$29000.00} collections date opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX acct # XXXX XXXX {$840.00} collections date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct XXXX XXXX XXXX {$9700.00} collections date opened XX/XX/XXXX. 

HARD INQUIRIES XXXXXXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired XXXX XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 


These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents to prove the fraudulent claims, also documents for me review to see if this is actually an account that belongs to me. 
This failure to conduct a reasonable investigation has caused harm to my credit report and financial well-being, affecting my ability to ( get approved for credit, loans, housing and etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: UT

Complaint narrative:
I am submitting this complaint regarding Experian 's failure to properly investigate Disputes i have filed concerning inaccurate information on my credit report. Despite me providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Also, Experian has violated Codes, 15 U.S. Code 1681 ( e ), 15 U.S. Code 1692 ( g ), 15 U.S. Code 1681 ( c ) 2, 15 U.S. Code 1681 15 U.S. Code 1666 and 1666 ( b ), 15 U.S. Code 1681 ( s ) 2. 

The inaccurate accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX acct XXXX XXXX XXXX {$880.00} charged off opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$1400.00} collections date opened XX/XX/XXXX. 
XXXX XXXXXXXX XXXX # XXXX XXXX {$31000.00} charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX {$29000.00} collections date opened XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX acct # XXXX XXXX {$840.00} collections date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX charged off date opened XX/XX/XXXX. 
XXXX XXXX XXXX acct XXXX XXXX XXXX {$9700.00} collections date opened XX/XX/XXXX. 

HARD INQUIRIES XXXXXXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired XXXX XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 


These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents to prove the fraudulent claims, also documents for me review to see if this is actually an account that belongs to me. 
This failure to conduct a reasonable investigation has caused harm to my credit report and financial well-being, affecting my ability to ( get approved for credit, loans, housing and etc. )

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 2025-02-14 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
The credit card company has increased my annual fee and increased a monthly maintenance fee and has a high interest rate. It has not offered me any way to close the account without having to still pay the monthly maintenance fee. I want to be able to close the account and not pay a monthly maintenance fee and an annual fee. I understand I have to pay the remaining balance with interest, but I am not going to pay an annual fee and a monthly maintenance fee on a closed account that I was not given the opportunity to get out of. It's fraud.

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 2025-02-14 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: 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 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 2025-02-14 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: IL

Complaint narrative:
XXXX. XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not properly reporting my account as " in dispute '' to the credit bureaus for several months. According to 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers of credit information, such as XXXX XXXX, are required to notify credit bureaus when an account is disputed by the consumer. By failing to do so, XXXX XXXX has misrepresented my credit history, causing undue harm to my credit standing. ( i have the date of a representative admitting on a recorded line, they never reported the account in dispute ) 2. Experian has neglected its duty under 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation upon my dispute. The lack of proper investigation has resulted in negative, inaccurate information remaining on my credit report for years, which has directly harmed my financial well-being. A proper reinvestigation should have resulted in the removal of the disputed accounts if they could not be verified. As per federal case law, when a credit bureau fails to verify disputed items properly, those items must be deleted from the consumers file. Per the lawsuit against Experian, these items have to be removed. All closed accounts need to be removed asap. 

3. XXXX XXXX and Experians Failure to Remove Inaccurate Late Payments TransUnion and Equifax properly removed the XXXX XXXX account after conducting a reinvestigation ; however, Experian failed to do so, leaving the negative information on my credit report. Because no legitimate investigation was conducted regarding the late payments associated with XXXX XXXX, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all late payments should be deleted as they can not be verified. Experians failure to comply with this requirement has resulted in unlawful damage to my credit for years.

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 2025-02-14 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: IL

Complaint narrative:
XXXX. XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not properly reporting my account as " in dispute '' to the credit bureaus for several months. According to 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers of credit information, such as XXXX XXXX, are required to notify credit bureaus when an account is disputed by the consumer. By failing to do so, XXXX XXXX has misrepresented my credit history, causing undue harm to my credit standing. ( i have the date of a representative admitting on a recorded line, they never reported the account in dispute ) 2. Experian has neglected its duty under 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation upon my dispute. The lack of proper investigation has resulted in negative, inaccurate information remaining on my credit report for years, which has directly harmed my financial well-being. A proper reinvestigation should have resulted in the removal of the disputed accounts if they could not be verified. As per federal case law, when a credit bureau fails to verify disputed items properly, those items must be deleted from the consumers file. Per the lawsuit against Experian, these items have to be removed. All closed accounts need to be removed asap. 

3. XXXX XXXX and Experians Failure to Remove Inaccurate Late Payments TransUnion and Equifax properly removed the XXXX XXXX account after conducting a reinvestigation ; however, Experian failed to do so, leaving the negative information on my credit report. Because no legitimate investigation was conducted regarding the late payments associated with XXXX XXXX, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all late payments should be deleted as they can not be verified. Experians failure to comply with this requirement has resulted in unlawful damage to my credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: GA

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 2025-02-14 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
My mortgage with NewRez includes an escrow account for my property taxes and homeowner 's insurance. In late XXXX, XXXX I discovered that NewRez mistakenly paid my local taxing authority twice for my XXXX property taxes - {$3700.00} on XXXX XXXX, XXXX and {$3700.00} again on XXXX XXXX, XXXX ( Note : my total XXXX property tax bill was {$370000.00} so NewRez double-paid my taxes from my escrow account ). This erroneous double payment created a negative balance in my escrow account. I contacted NewRez on XXXX XXXX, XXXX and was told that their " policy '' was to wait until my local taxing authority refunded the money to them so that it could be put back into my escrow account. On XXXX XXXX, XXXX I received a new Annual Escrow Account Disclosure Statement that detailed an escrow analysis that was based upon the incrrect negative escrow balance that was a result of NewRez 's error. The escrow analysis was dated XXXX XXXX, XXXX - several days after NewRez was aware that my escrow balance was incorrect- and indicated that My monthly mortgage payment was increasing significantly because of the incorrect negative balance in my escrow account. I called NewRez on XXXX XXXX and was again informed of their " policy '' of waiting and eventually spoke to a supervisor who told me there was nothing they could do, there was no estimated date as to when this would get corrected and that all they could do was escalate the issue to try to get it resolved as soon as possible. I called NewRez again on XXXX XXXX and spoke to three separate representatives who all reiterated the " policy '' and said that they was nothing they could do. One representative told me if I made the overinflated payments to the escrow accounts they would be refunded if/when my account had an excess in XXXX, XXXX, which is obviously unacceptable. The last supervisor I spoke to on this day suggested that I just make the incorrectly inflated monthly payments and once the shortfall is gone my payments should be adjusted back down, which, again, is obviously unacceptable. The supervisor also admitted that it can sometimes take months for local taxing authorities to refund money to them but there was nothing he could do because even though this was a problem created entirely by NewRez 's mistake, their policy is they can not adjust my escrow account balance, escrow analysis or monthly mortgage payment amount until the taxing authority returns the money that New Rez erroneously sent to them. He indicated that he will file an internal complaint to see if anything could be done but that may take up to 30 days to hear back. I told him that I would call back in 3 days and that I would also be filing a complaint with the CFPB ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: TX

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in California and the job was supposed to be done in XXXX IL. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$2000.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-14 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: MA

Complaint narrative:
I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education 's databases. On or around XXXX XXXX2025, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of myFERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines.The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. 




students sue Education Department, allege DOGE is accessing private data : https : XXXX XXXX  team 's access to student loan systems raises alarm over borrowers ' personalinformation : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation