vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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 am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : XXXX. Deletion or correction of the inaccurate entry ( ies ). 
XXXX. A copy of any verification documents received from the furnisher. 
XXXX. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

COUNTY OF 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 2025-05-05 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am disputing a fraudulent entry on my ChexSystems consumer report that is labeled as " suspected fraud activity. '' This information does not belong to me and is incorrect. 

On XX/XX/year>, I submitted a formal dispute to ChexSystems asking them to investigate and remove the entry. On XX/XX/year>, ChexSystems responded that the information had been " verified '' and would not be removed, but they did not provide any evidence or documentation to support that decision. 

On XX/XX/year>, I submitted a written request for a description of the procedures used to verify the disputed information, as is my right under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), and am still awaiting a proper response.

This incorrect reporting has resulted in significant harm, including being denied access to basic financial services such as opening a bank account. I am requesting that the CFPB investigate ChexSystems ' dispute handling practices and ensure that they comply with their obligations under federal law.

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 2025-05-05 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: PA

Complaint narrative:
Statement Regarding Unresolved Credit Dispute Date : XX/XX/year> To Whom It May Concern, I am writing to formally state that I previously submitted full documentationincluding valid identification and a signed affidavitto dispute inaccurate information on my credit report. Although more than 30 days have passed since the receipt of my dispute, there has been no resolution or removal of the disputed items, with the exception of the update to my address and phone number. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate and respond to disputes within 30 days. At this time, I am requesting immediate action to delete the inaccurate or unverifiable items from my credit file or to provide documented evidence supporting their continued reporting. 

Please consider this communication a formal follow-up to my initial dispute. I expect a prompt and compliant resolution to ensure my consumer rights are protected. 

Sincerely,

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 2025-05-05 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 am disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.

There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

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 2025-05-05 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: TX

Complaint narrative:
I am disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.

There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I placed an order through Nordstrom.com using my Nordstrom credit card ( issued by TD Bank USA ). When the package arrived, the XXXX XXXX earrings ( {$1900.00} value ) were missing. I reported this to Nordstrom immediately. They reviewed the request and denied it without providing any proof of delivery.

I then filed a dispute through Nordstrom Card Services ( TD Bank ). After a brief review, they also denied the dispute. I have called both parties repeatedly and each continues to refer me back to the other. I have been charged interest and denied all appeals, despite never receiving the product. 

I am attaching my denial letters, the original order confirmation, and Nordstroms refusal email for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CIG FINANCIAL LLC
State: NV

Complaint narrative:
According to FCRA Section 605B it is illegal to report anything without my permission. Please remove this negative reporting- Under the FCRA Section 611 you are required to verify the accuracy of this item. If you can not fully verify it within 30 days, it must be deleted.

According to the charge off Law 15 US Code 1681 ( 2 ) ( a ) ( i )

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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means. i have also stated that these accounts are fraudulent and Im a victim of identity theft and these companies insist on sticking me with these accounts. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. The list of violations and accounts are listed below : 1. XXXXXXXX XXXX # XXXXXXXX XXXX - Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

2. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

3. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Delete this account from credit report due to violations of 15 USC 16811 ( 5 ), 15 USC 16811 ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681s-2.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
Some accounts were charged off and I never received a 1099 C or I have requested a Purchase Agreement from the Company ( ies ) and never received it.

Charged Off Accounts : XXXX XXXX  {$670.00} and XXXX XXXX  {$8100.00} Not Mine : XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$910.00}, Credit Collection Service {$260.00} and {$380.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
Some accounts were charged off and I never received a 1099 C or I have requested a Purchase Agreement from the Company ( ies ) and never received it.

Charged Off Accounts : XXXX XXXX  {$670.00} and XXXX XXXX  {$8100.00} Not Mine : XXXX XXXX XXXX {$740.00}, National Credit Systems {$910.00}, XXXX XXXX XXXX {$260.00} and {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
I asked for the original contract ink signature and promissory note through email. I was sent a document that had a XXXX XXXX  that is not mine and was not sent the original ink signed contract. Also called XXXX XXXX XXXX and was threatened in the phone that this item was going to remain on my credit report hurting my credit if I did not pay off 80 percent of the loan. Also that they would come after me with legal means if I did not return the motorcycle or sign a new contract on payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OH

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 2025-05-05 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: EdFinancial Services
State: LA

Complaint narrative:
I am writing to formally declare that I am a victim of identity theft. My personal information was fraudulently obtained and has been used without my knowledge or consent to open accounts and incur unauthorized debts in my name.

I have reason to believe that my personal identifying information was compromised and may have been circulated on the dark web, where it has been used to establish accounts and obligations that I did not authorize.

I affirm that the information in this statement is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was purchased a few months ago by Mr. Cooper ( it was originally with Wells Fargo ). I specifically declined online statements.

Per their website page at https : //www.mrcooper.comXXXX they promise, " Well send out your monthly statement no later than 2 weeks before the next due date. '' Despite this, I have yet to receive even a single statement on time. The company is not following their own guidelines. 

I've reached out to their chat support numerous times in XXXX and in XXXX to ask them to resolve this problem. At least twice they promised to fix the problem and mail the statement to me, but I didn't receive anything. Finally, on my XXXX request on XX/XX/XXXX, they mailed the XXXX and XXXX statements for my account, which I received on XX/XX/XXXX. They also emailed me a statement but I specifically requested that a copy be mailed to me, not emailed. 

It is now XX/XX/XXXX and I still have not received the statement for which payment is due XX/XX/XXXX. I reached out to their chat support to find out how to speak with a person. They directed me to call XXXX, ask to " speak with a live agent '', then to press XXXX to avoid additional prompts and then press XXXX to be directed to a live agent. I called the number but none of these prompts worked. My issue is related to statements, which was not an option offered in their menu choices. I kept saying " speak with a live agent '' but it refused to connect me with a real person saying that " most issues can solved with our chat online ''. They then disconnected me. I tried calling again and trying to find a prompt that fit my problem but it again disconnected me after saying something like " we appear to be having a problem and are unable to help you ''. 

To date, I am still unable to receive my monthly statements in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I'm reaching out to request a correction to my personal information listed on my credit report. The current inaccuracies have been causing issues with my credit applications, which has been both stressful and frustrating. I would greatly appreciate your help in updating the information so it accurately reflects my identity.

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 2025-05-05 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation