vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: DE

Complaint narrative:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merchant Details Name : XXXX XXXX Website : XXXX XXXX XXXXXXXX Location : XXXX, OH, US Business Description : Local meat products I was charged {$290.00} USD on this date Transaction Date : XXXX XX/XX/year> XXXXXXXX XXXX Authorization Code : XXXX Acct Number ( last XXXX ) : XXXX Purchase IP Address : XXXX XXXX XXXX XXXX California, XXXX transaction was made from an Ip address in XXXX XXXX CA I have not even been to or close to XXXX XXXX CA I did not authorize this transaction I tried contacting them to tell that there must have been a mistake and I did not order this they weren't any help So, I then contacted Bank of America to dispute the transaction. they denied my dispute

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 2025-02-04 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 fulfil 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 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 on going 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. 

The account is XXXX bureau of the 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX it was reported a late payment of 30days when I was never late for XXXX XXXX XXXX XXXX. I payed payment over phone an it got reported to experian and the other two bureaus as a late payment. I have never been late on my payments. Ive disputed this 3 times and my issue wasnt solved either time or investigated the correct way.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as PAID IN FULL/ AS AGREED or REMOVE this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed investigation.

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 2025-02-04 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: DC

Complaint narrative:
This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as PAID IN FULL/ AS AGREED or REMOVE this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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.

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-04 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: DISCOVER BANK
State: CO

Complaint narrative:
Started receiving things in the mail asking for information that was needed for credit. Then I received a letter stating that my information was in included in a national data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute the information listed on my credit report and to submit a claim regarding the ongoing class action lawsuit involving inaccuracies reporting in credit reporting. After reviewing my credit report, I have identified discrepancies that I believe are part of the issue raised in this class action. 

The following information on my report is incorrect : XXXX XXXX : XXXX Late Payments XXXX 30 days, XXXX 60 days, XXXX 90 days, XXXX 60 days. 

Please investigate these items as they appear to be a direct result of the issues covered in the class action lawsuit and correct any inaccuracies accordingly. 

Additionally, I am submitting a claim under the terms of the class action lawsuit and request to be considered for any compensatory or remedial actions related to this matter. Please inform me of the next steps to ensure that my case is addressed as part of the legal proceedings. 

Thank you for your prompt attention to this matter. I look forward to your resolution of the dispute and confirmation of my claim.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Monday XXXX around XXXX, in the course of exploring loan options, I called XXXX and unfroze my credit report. I immediately received two emails from Wells Fargo. The first one indicated that I had just opened a checking account with them, and the second confirmed that I had changed my notification preferences for two different accounts to " online '' rather than paper. 

The emails were sent to " XXXX ''. My actual email address is " XXXX '', but I understand from a bit of search that XXXX regularly consider " dotted '' versions of one 's email as belonging to that same individual. So the account was opened under an email in my name, which technically doesn't exist, but routes to my similar email address. Also, one email is addressed to " XXXX '', which is my father 's name, so perhaps they are using some of his information. 

I immediately called Wells Fargo and reported the issue. They confirmed to me that there are no Wells Fargo accounts associated with my social security number. I was still concerned about why the account have been opened immediately after my credit unfreeze, and asked them to look into these individual accounts and close them or at least confirm that they were not affecting my credit score, and they were unable to provide any confirmation. I did provide them with the ending four digits of the two account numbers, which did appear in the email regarding notification preferences. 

I'm aware that in the past Wells Fargo had major issues with fraudulent accounts being opened in peoples ' names against their will, and it affecting their credit score. I think that what I'm seeing is exactly that. It should be investigated and handled immediately if there are departments creating or allowing the creation of fake bank accounts. I do not believe Wells Fargo is going to take any action based on my report, nor did they promise to, but instead need to be held accountable from the outside.

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 2025-02-04 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Yes I have and been going backwards with them since 2016 they are still putting this on my credit -- - [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Reporting Agency [ Experian or XXXX Dear [ Experian or XXXX ], I am writing to formally dispute the inaccurate information that appears on my credit report under my name, [ XXXX XXXX, XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

Upon reviewing my credit report, I discovered that the entry for [ specific account related to XXXX, provide account number if available ] is incorrect. Specifically, [ briefly explain the inaccuracy, e.g., " the reported amount is {$14000.00} when I owe {$0.00} dollars This misinformation is negatively impacting my ability to obtain credit and housing. '' ] Under Section 609 of the FCRA, I am entitled to request a review of this data and receive accurate credit reporting. I am requesting that you investigate this matter and provide me with a written response regarding the outcome of your investigation. 

Please consider this letter a formal request for correction of the inaccurate information, as outlined in Section 611 of the FCRA : 1. Investigate the disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information within 30 days.

3. Provide me with written confirmation of the results of your investigation.

Please conduct this investigation as required under the FCRA, ensuring a full resolution that protects my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I reported my card lost or stolen through the Bank of America App on XX/XX/XXXX or XX/XX/XXXX card number ending XXXX I was not aware of a digital card being put in place after you call your card in stolen but for some odd reason, there was 2 charges on my account from XXXX through my XXXX account I have been dealing with sense XXXX, when I called XXXX they advised me to contact XXXX a vendor within their system I was charged twice one charge {$140.00} and {$590.00} a total of {$740.00} from this company through a digital card I did not have any aware I had and did not authorize I was told by XXXX XXXX XXXX I have tried to dispute these charges with XXXX XXXX XXXX I was told that this company charged my digital card ending in XXXX or XXXX not sure of the number of the card without my consent to be told by XXXX XXXX XXXX that this could take several days my question is how could this happen if I have no physical card and who gave them authority to place a digital card and does this card have to be activated to be use now my company is waiting in limbo for them to find out what happen and I am being told 90 days for what this is XXXX XXXX XXXX fault not mine I contact the company through chat and was told it was the weekend that they would give me credit for future purchases to a charge I did not authorize still unsure how this happen I have tried to upload the dispute information the bank and have not been successful

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion has caused me too much stress over the years. 
These inquiries are not mines and they have been giving me the run around. 
Enough is enough. 
I will be looking to hire a XXXX law sue attorney. 

XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX MXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2025-02-04 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: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
Started receiving things in the mail asking for information that was needed for credit. Then I received a letter stating that my information was in included in a national data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Started receiving things in the mail asking for information that was needed for credit. Then I received a letter stating that my information was in included in a national data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services
State: NJ

Complaint narrative:
On XX/XX/year> I applied for an XXXX XXXX XXXX plan. On XX/XX/year> I received a notice that the application was received and was being processed. My loans were placed on a temporary forebearance while the request was processed. The forebearance is now set to end in XXXX  days and I can not afford the monthly payment. I have not received any updates on my application nor have I been placed on a new plan. I have tried calling the toll-free contact number but have gotten no response. I may have to put my loans into deferment if my plan is not changed soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation