vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota, XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally dispute inaccurate and potentially unlawful information reported on my Experian credit report. I have identified the following issues with negative accounts and inquiries that violate the Fair Credit Reporting Act ( FCRA ) : Accounts in Dispute XXXX. XXXX  XXXX ( Account # XXXX ) This account is listed as charged off with a balance of {$560.00}. However, the payment history and balance reporting appear inconsistent. No payments are recorded after the account became delinquent, and the monthly payment requirement is listed as {$0.00}. I request that this account be investigated for accuracy, particularly regarding the reporting of past-due amounts and charge-off details. 
XXXX. XXXX XXXX ( Account # XXXX ) This account is listed as a collection account with a balance of {$690.00}. I dispute this account due to inconsistencies regarding the original creditor ( XXXX XXXX XXXX  ) and the amount owed. Additionally, this account may have been sold or inaccurately reported without my knowledge. 
XXXX. XXXX ( Account # XXXX ) This secured loan is marked as paid and closed, but late payments are recorded after the account closure date. This reporting is inaccurate and misleading. I request a full investigation and correction of this account. 

Additional Issues Unauthorized Hard Inquiries : My report lists inquiries by entities such as XXXX and XXXX XXXX XXXX XXXX that I did not authorize. These inquiries violate the FCRA ( 15 U.S.C. 1681b ) because they lack a permissible purpose. 
Inaccurate Name Variations : My report contains variations of my name ( e.g., XXXX XXXX XXXX ) that I have not used. This may indicate errors in the report.

I respectfully request the following : 1. Investigate the accounts and inquiries mentioned above for accuracy, including a thorough review of supporting documentation from the furnishers. 
XXXX. Remove or correct any inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a written explanation of your findings and the steps taken to resolve this matter. 


If this matter is not resolved promptly, I will consider additional legal action to enforce my rights under the FCRA. Please contact me at [ XXXX ] or [ XXXX ] for further details or to request additional documentation. 

Thank you for your 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 2025-01-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Upstart Network Inc. 
On XX/XX/year>, I sent a Priority Mail letter to Upstart XXXX XXXX regarding an alleged negative account they had listed on my credit reports. 
I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX continues to report account on my credit report after failing to provide validation of the debt owed. A full investigation was not completed and follow up letters were ignored. This violates 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 2025-01-11 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: MD

Complaint narrative:
XXXX continues to report account on my credit report after failing to provide validation of the debt owed. A full investigation was not completed and follow up letters were ignored. This violates my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: FL

Complaint narrative:
EQUIFAX INFORMATION SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am formally disputing the account listed under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my credit file with the amount of {$180.00}. Collection agency name : XXXX XXXX XXXX XXXX XXXX, the original creditor name : progressive. As I DO NOT recognize this account/debt. The reporting of this is INACCURATE account violates my rights under federal law specifically under 15 U.S. Code 1601. I request that you provide all documentation related to this account, including original agreements and evidence of proper disclosures as mandated under 15 U.S. Code 1601. 

REMOVE AND UPDATE the INACCURATE collection from my report if its found to be in violation of federal law. 

This INACCURATE account was reinserted on my credit report after deletion. As a consumer by law the accounts listed above on this letter must be UPDATED OR DELETED immediately or I will seek monetary compensation for violation of my rights in small claims court. Under 15 USC 1681n civil liability due to me being violated. Also, this letter has been sent to the complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX and XXXX refunds were processed by XXXX Management to my debit card from Wells Fargo that ends in XXXX, I have attached the proof, the funds were NOT returned to XXXX and they have informed me Wells Fargo has the money. I contacted XXXX and XXXX verified the debit card ending in XXXX comes back to my name through Wells Fargo/issued by Wells Fargo . I need a XXXX or supervisor to look into my complaint because I have submitted multiple complaints and none of the XXXX office representatives have helped me at all, I am also requesting ( again ) ALL DOCUMENTATION USED IN THE INVESTIGATION TO FIND THE FUNDS AND PROOF THE TRACE NUMBER DOES NOT SHOW THE FUNDS GOING TO WELLS FARGO. I have requested the documentation and proof numerous times and nobody has ever provided me anything, this has been an extremely negligent handling of my complaint and search for the money.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On around XX/XX/year> my business credit account was hit with XXXX fraudulent charges that were made on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company took care of the charges as I was told it will take 30 days to investigate a matter and provide me an info regarding them. 
To this day I have received no info regarding the completed investigation ( if any ) and any info regarding my card 's use that was not authorized. 
I think I am entitled to the info as it might affect my credit rating and other privacy issues.

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 2025-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested XXXX form Capital one Account XXXX with the balance of XXXX, the debt written off and placed on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information Transunion. Please delete the following accounts. creditor : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: OH

Complaint narrative:
Since XX/XX/year>, I have sent XXXX rounds of disputes to Experian challenging multiple negative items on my credit report. These disputes were submitted on XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

The negative items I disputed include collection accounts and charge-offs that I believe to be inaccurate, outdated, or unverifiable. I requested that the credit bureau provide proof of accuracy for these items as required by the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting a reasonable reinvestigation within 30 days, Experian responded by accusing me of fraud and refusing to process my disputes. This accusation is completely false. I personally submitted each dispute letter, and I have evidence to prove it. 

Their refusal to investigate my disputes is a blatant violation of the FCRA ( 15 U.S.C. 1681i ), which requires credit bureaus to verify disputed items or delete them if verification is not possible.

As a result of their non-compliance, my credit report continues to contain inaccurate and unverifiable information, causing ongoing harm to my credit score and financial wellbeing. 

I am demanding that Experian : XXXX. Immediately reinvestigate all disputed items. 

XXXX. Provide written proof verifying the accuracy of the negative items. 

XXXX. Delete any items that can not be verified. 

If the company fails to comply, I will pursue further action by filing additional complaints with state and federal regulators and consider legal action for damages caused by their violations of the FCRA.

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 2025-01-11 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:
I had tried reaching out because I noticed things I didnt recognize on my report after receiving a letter in the mail from XXXX XXXXXXXX in XXXX I noticed this and I was thinking Ive never worked in XXXX XXXXXXXX all to even claim XXXXt so I started looking into my report and noticed things reached out asking to be looked into and things didnt change or sent to me to show me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have a company called Exeter Finance reporting on my credit bureau that isnt mine it says I co-signed and that is not the case my name was forged onto these documents by a car dealership MY legal name is XXXX XXXX XXXX and has been since XX/XX/XXXX the Loan documents states that XXXX XXXX XXXX signed the document I was a SELLERS from XXXX XXXX and I remarried in XXXX of the same year but my License state on XX/XX/XXXX I was issued license with the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX well this vehicle loan was taken out XX/XX/XXXX for {$16000.00} by XXXX XXXX and XXXX XXXX XXXX I was a XXXX at that time when I called the company I pleaded my case to them I even sent signature samples and the guy told me no these are not the same signatures then I sent over my drivers license that pretty much solved the case because when asked did they have a copy of the drivers license for XXXX XXXX XXXX that supported the claim they said no and that is a must or everytime I have purchased anything I have had my license copied and attached to documents they had no income statements nothing but a signature and this has forced me not to be able to purchase or finance anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Freedom Mortgage Company
State: FL

Complaint narrative:
On XXXX XXXX I requested a disaster forbearance due to hurricane damage. I paid the mortgage due in full on XX/XX/XXXX. I received notice that my mortgage payment would increase XX/XX/XXXX by over {$250.00} due to escrow shortages. 
I also sent the mortgage company {$11000.00} check from my home insurance to endorse and send back to pay for damages to my home during the hurricane. They still havent sent it back and my roof has a temporary tarp on it and the fence is unstable and broken into several pieces. I am scared mold is going to develop from the hole in my roof and freedom mortgage doesnt seem to care at all

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 2025-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A check was deposited into our account and a hold was placed on the funds. Upon contacting Chase to see why the following day we were told the check was fraudulent and was going to return - absolutely, no if ands or buts. We had Chase speak with the maker of the check and they verified the authenticity. The transfer check cleared on XX/XX/year>. Chase still said this meant nothing, just because a check cleared didn't mean it would not be returned. Chase went to so far as to lie to us and say that XXXX XXXX where the account was held told Chase the check was fraudulent. Chase also put a freeze on our account and sent a text that if we did not contact them our Chase account might be closed. The check has cleared XXXX XXXX. Copy of check and proof it cleared attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: MD

Complaint narrative:
On XX/XX/year> I disputed and experian stated everything was to remain on my credit report. I also disputed it with XXXX and they stated the collections have been removed from my file. I attached the photo below. Thank 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 explanation
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
I have multiple points to attest. 

I signed up through XXXX for my student loans. I was assigned XXXX XXXX for my student loans for the entirety of my student loan affairs. While still in my education program, my loan servicer changed, then had shortly changed again to what is now XXXX. I did NOT consent to this change and when asked for documentation to be provided, they did not follow through. 

Under the XXXX XXXX, I am protected from nonpublic information being shared to non-affiliated third parties. Experian, a non-affiliated third party, shows that I owe XXXX for my student loans on my credit report. 

In XX/XX/year>, I contacted XXXX for proof of agreement. They assured me they would send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. A week later I called for an update on the matter out of concern that I would seemingly owe them a monthly payment. Under advisory of XXXX, it was suggested I applied for the XXXX plan to postpone payments until the disputation process has been completed. I applied for an IDR plan in the mean time during this disputation process, to which XXXX has not responded to as of the XXXX XXXX XXXX website. The duration of this nonresponse has exceeded XXXX 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 2025-01-13 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-01-13 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:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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