vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my earlier request, the invalid items have not been corrected or removed, and they continue to appear with discrepancies across all three bureaus. As stated before, the continued reporting of inaccurate and non-public personal information without proper verification is a violation of my rights under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am in disagreement with the items listed below, which still appear on my Experian credit report despite your investigation, and I demand their immediate reinvestigation. These inaccuracies are highly injurious to my credit rating : XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) Under the Fair Credit Reporting Act, Public Law 91-508, Title VI, Section 611, Subsections A-D ( 15 U.S. Code 1681i ), Experian must reinvestigate disputed information and correct inaccuracies. The failure to update these accounts violates 15 U.S. Code 1681e ( b ), requiring reasonable accuracy.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally express my concern regarding an ongoing issue with the reporting of my mortgage account with XXXX on my Experian credit report. 

It has come to my attention that my mortgage with XXXX is not being reported. XXXX has informed me that they have submitted reinsertion letters to Experian on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite these efforts, the inaccuracies persist. 

Each time I contact Experian for assistance, I am redirected back to XXXX, even though they have confirmed their submission of the necessary documentation to correct this issue. It is disheartening to be caught in this loop without a resolution. 

I kindly request your immediate attention to investigate and rectify this discrepancy. Accurate reporting of my mortgage is crucial for my financial records and creditworthiness, and I rely on Experian to maintain and report precise information. 

Please let me know what further information or documentation you require from my end to address this matter promptly. I appreciate your cooperation and look forward to a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Hello Im trying to contact because I have a debt collection that its not mine show of the amount of {$6900.00} mindland credit management and that collection not belongs to me but its show on my creti report.. I want to resolve these issues and remove from my creti report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, our companys XXXX account was permanently limited without warning or any specific explanation. The only notice provided referenced vague unusual activity. We have used this account for years, spending tens of thousands of dollars through the platform, without ever receiving a single warning, policy violation, or flag. 

We contacted XXXX support multiple times to request clarification or a review. Each time, we were told the decision was final and that no additional information could be provided. We also offered to submit any documentation needed to clear up any concerns, but no opportunity to do so was provided. 

This action has disrupted our ability to pay contractors and caused unnecessary harm to our business. The lack of transparency, refusal to explain the decision, and absence of an appeal process are deeply concerning, especially from a financial service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> : I filed another response to mediations though Wells Fargo does not handle their mediations program truthfully and took advantage of me through that program as well to avoid paying back their customers what they truly owe them.

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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a lendee, with Mr. Cooper, account # XXXX. I was in forebearance in XXXX and XXXX this year, while I was between jobs, which I reconciled on schedule, in XXXX. I found out yesterday ( the day I closed on sale of my home ) that Mr. Cooper has reported two late payments and a delinquent account to credit agencies. This is not fair, and has caused by credit rating to fall from XXXX to less than XXXX. I was trying to buy a new home with Mr. Cooper as my lender. The timing of this reporting seems to me to be punishment for selling my home in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX  in XXXX  to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violatio

n of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a
consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This morning I discovered that Well Fargo deducted {$12000.00} from my businesses checking account without my authorization. I immediately called Wells Fargo to inform them that the proper deduction should have been for {$6100.00} for a deposit that was returned unpaid. I spoke to three different people on their customer service line and pointed out that their own documents showed that they deducted {$6100.00} twice from my account for the single check that was returned. Wells Fargo 's response has been to say that they will assign someone to " look into '' the matter within two days and that they will get back to me within 10 days. 

I pointed out to Wells Fargo that their double deduction for the single check was without my authorization and I wanted {$6100.00} returned to my account immediately. They have refused to do so ( again, despite the fact that their own records show they made a double deduction ) claiming that they will only look into the matter and get back to me in ten days. 

I need my money that Wells Fargo has taken without my authorization. 

The attached screen shots from my account show that Wells Fargo deducted for the same check twice.

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 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
Answer a collection notice from XXXX XXXX, I do not have an account with XXXX XXXX. When they called, I notified the agent on the phone that I did not have an account with them and requested proof of the debit. The agent on the phone said to access the requested documents I would need to log in to the online portal, create an account, give my name address, email, personal information to view what information or documents they " may " have available to me. I am aware under the fair credit reporting act if I request the original documents from when this account was created the creditor needs to suppl them to me. I would like some assistance in getting XXXX XXXX to foward me the documents include ip address if this account was created on loin, or state id and signature if created in store, video & audio from store, copy of contract with clear signatures to compare to mine, time and date stamps. I have filed a fraud affidavit with the FTC, frozen my credit, and will file a police report as well which can be supplied if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax sent me a letter dated XX/XX/XXXX saying that they received my request concerning inaccurate information in my Equifax credit file. They said they were unable to locate my credit file in their database and that they needed additional documents. They previously sent me a credit report confirmation number : XXXX dated XX/XX/XXXX. They lied to me in the XX/XX/XXXX letter! How else would they have sent a complete credit report only six days earlier dated XX/XX/XXXX? They were asking me for two different categories of information such as my social security number which is included in the report they mailed me dated XX/XX/XXXX. They were asking for proof of address when they have already sent me the complete credit report w/ the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX address in it. They even back in XXXX confirmed this address and over the phone I told them I have been living here for over 7 years. This is a violation of the FCRA to claim they can't locate a file when of course they just sent out a complete credit report dated XX/XX/XXXX which I have included an uploaded picture of in this complaint. It is a violation of the FCRA to obstruct my reasonable requests for them to remove inaccurate information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have repeatedly submitted disputes regarding collections on my report that are 8-9 years or older reporting incorrect information and asking to have them investigated because the information is being purposely reported incorrect.

I demanded an investigation for violating the fair credit reporting act, only for experian to add more negative remarks to to my report decreasing my score even more I believe intentionally and out of despite! 

I submitted the same disputes to XXXX XXXX and they removed all of my collections that were being reported incorrectly from my report after they did a thorough investigation on these accounts. 

I believe experian is not investigating credit disputes as the law requires and would like an investigation into this matter because it is a violation of my rights, I am not getting a fair investigation into this matter! 

The fair credit reporting act was created to assure consumers complaints are investigated however Experian Credit Reporting repeatedly refuses to follow all rules and regulations regarding the consumers rights stated in the fair credit reporting act. 

Thank you for your time and consideration into this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Hello, For the fourth year in a row, this company has added insurance to my account and unnecessarily increased my payment. I have sent documentation multiple times, yet the account has not been updated. My home is fully insured by XXXX. I have sent the documents to multiple channels, multiple times. I began sending the documents in 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Hi, I bought two XXXX XXXX money orders of {$1900.00} on XX/XX/XXXX and sent them to XXXX XXXX XXXX in New York by signature letter in post offfice for my tuition. A lot of things has been going on. On XXXX, XXXX, my principal of XXXX XXXX XXXX sent money order to his chase bank ( its rounding number is XXXX ), but XXXX XXXX XXXX XXXX XXXXn XXXX. I filed a complaint against XXXX XXXX. Ive found that XXXX XXXX paid my money order on XXXX XXXXomehow, my XXXX XXXX XXXX  didnt received my tuition of {$1900.00}, based on my principals chase bank attachments. I need this tuition for my school. I want my money back to school. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation