vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
an influencer promoted this account XXXX XXXX  on instagram how anyone can easily invest money. the account had ( which i would come to realize a fake ) certification with a XXXX XXXX name on it so im going to assume a lady so i thought it was real. so i message the account and told me to start my process on imessage and i had sent {$100.00} on XX/XX/XXXX at first and she said in return i would get {$7500.00} and said it would take around XXXX minutes and then asked for a 10 % deposit as the money was on hold and i would get it refunded to me after i received the payment, i didnt have that much at the time so i sent it the next week {$150.00} on XX/XX/year> and {$150.00} XX/XX/XXXX XXXX and then she had notified me the money wouldnt go through and i had a late fee of {$200.00} after that she told me numerous things over the next course of weeks that something was wrong with her bank or my payments, it was ALWAYS something was slowing down the payment process and always assured me i would get my money. i always did what she asked, and sometimes she would just ignore me or tell me to call my bank and report the money, i even asked to just get my money back since the process was taking so long and no response. and when i would say something she showed me this screenshot which i will share that other people are experiencing this same thing with her and that i shouldnt be upset

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 2025-02-09 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: CL Holdings LLC
State: LA

Complaint narrative:
account placed in collections and it reads as open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IN

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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account was hacked and the hackers were able to change the phone number on my account and change my password. They were able to make several XXXX transfers and empty my account into the negative. The customer service filed the claim of fraud but said I would have to wait 7-10 business days before they would issue any type of refund. I asked for the manager and she sent me to the supervisor who said the same thing, that there was nothing they could do. I explained how unfair it was that I have trusted them with my money for all these years and now someone makes fraudulent charges on my account ( the only time this has ever happened to me in the almost 15 years Ive had this account ) and explained that it was my only bank account holding all of my money, they still refused to offer any solutions, just saying theyre sorry and understand. This policy is absolutely unacceptable, for us bank to offer zero financial assistance in a situation like this, is just completely wrong and makes no sense. They are now saying I have to open a new account with them and have the money transferred there once the claims go though. This sounds complicated first of all, and second of all I refuse to use them any longer because of this, so now I have to continue to figure out how to get my money back without opening a new account. Bottom line is that their website did not have the proper protection from something like this and I feel completely violated and let down by them. Changing any of my account info should have needed two factor authentication. Them refusing to assist with an immediate refund and not taking any responsibility for the situation is extremely unjust and disturbing to me. They are not a company that should be trusted with anyones money in my opinion.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
So I have crypto asset in XXXX  XXXX exchange, I cant withdrawal my assets into my wallet. They placed hold on my account even though I already provided all the informations they requested for ( Ive been customer with them for many years ). All the email responses I got are the same copy-pasted reply. I also have the open support ticket # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX this is an old account and it is still reporting on my credit report. I have requested it to be removed and it keeps reappearing on my credit report. This account is over XXXX XXXX XXXX paid in full and needs to be removed and not reappear on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX this is an old account and it is still reporting on my credit report. I have requested it to be removed and it keeps reappearing on my credit report. This account is over XXXX XXXX XXXX paid in full and needs to be removed and not reappear on my report

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 2025-02-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 explanation
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
I asked the consumer reporting agency & creditors to remove the inaccurate information on my consumer reports they told me they can not remove anything it was against their policy to remove items from my consumer reports. I ask for proof of permission that I gave to report such items and never received anything.

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 2025-02-09 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: AL

Complaint narrative:
I asked the consumer reporting agency & creditors to remove the inaccurate information on my consumer reports they told me they can not remove anything it was against their policy to remove items from my consumer reports. I ask for proof of permission that I gave to report such items and never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( CRAs ) - Experian, TransUnion, and Equifax - for their failure to conduct reasonable investigations of my disputes as required by the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Complaint : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information Review and consider all relevant information submitted by the consumer Complete the investigation within 30 days Provide written results of the investigation to the consumer Specific Violations : The credit bureaus have failed to meet these obligations in the following ways : They did not conduct meaningful investigations of my disputes, instead merely parroting back information from the furnishers without independent verification They failed to consider the supporting documentation I provided with my disputes They continued to report inaccurate information even after being presented with evidence of its inaccuracy Financial Impact : Due to their failure to properly investigate and correct the inaccurate information, I have suffered significant financial harm : Denial of credit opportunities Higher interest rates on existing accounts Difficulty obtaining housing/employment Emotional distress from dealing with persistent inaccuracies Requested Resolution : I request that the CFPB : Investigate the credit bureaus ' dispute investigation practices Require them to conduct proper investigations of my disputes as required by law Hold them accountable for violations of the FCRA Require them to implement better dispute investigation procedures Provide appropriate monetary compensation for the financial harm caused I have maintained detailed records of all my disputes and the bureaus ' responses, which I can provide upon request. Under the FCRA, I am entitled to accurate credit reporting and proper investigation of my disputes. The credit bureaus ' failure to fulfill their legal obligations has caused me significant harm that needs to be addressed. 
Thank you for your attention to this matter. I look forward to your response.

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 2025-02-09 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: NC

Complaint narrative:
I disputed several accounts on my credit report and Transunion denied them and Experian and Equifax are taking very long. This is affecting my personal life and their failure to remove these items as someone was very good at doing the fraud or something has prevented me from being able to obtain the benefits of good credit that i should have if not for these people. I want to formally sue them if this isn't resolved 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
So basically I was out shopping and my phone which is my wallet too because it's connected to my phone case the thiefs went in multiple accounts and stole my money XXXX was stolen out of this particular account of mine which is XXXX who I'm filing this complaint against I went straight to the police department when this happened to me they helped me file a report a few days later i was able to login to the find my phone app and was able to track and recover my phone in the alley behind someone home and of course instantly file my dispute XXXX had the nerve to deny my dispute because they're system is telling them my phone was never stolen because I'm using it when Im clearly stating I have a police report and the officers went with me to recover my phone me being able to find my phone doesn't defeat the fact my phone and cards was stolen at the time of these transactions im demanding a real account specialist not robotic system thoroughly review my case and override for these transactions to be replaced and returned to my account like I deserve this have put so much financial hardships losing this amount of money but can I have real assistance thank you have a blessed day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the state and filed a complaint they investigated and found no work order for the additional add-ons for {$2900.00} On XX/XX/year> through XX/XX/year> it resulted in no work order for that in XXXX XXXX XXXX XXXX XXXX department and department of transportation and telling me that they were gon na refund the full amount and cancel the cancel that policy done. I talked to my loan company and Ive been talking to them every single month and reporting it as as fraud, they called him and talk to the finance department and they said they were sending over the cancellation and a check to me. They did not I have all the voicemails. I do have all the text messages. I have the paperwork and they doubled what I was supposed to pay for the car. I had no warrant I was supposed to have they didnt even put it on the purchase agreement. It is fried they wont take it off. I cant refinance my loan. I cant do anything. This is unacceptable. I tried calling actually can know the XXXX dealership they couldnt do anything. Im not even allowed to go back onto XXXX XXXX property. I dont know why they dont want to deal with it. I dont care its fraud and I can prove it I need help. Theres documents that they forge my signature on. They took my {$2000.00} deductible and added it to my loan they they also have the wrong XXXX on my title. They charged me for things they shouldnt have even a XXXX powertrain warranty that I dont have. There is no work order for any of it or no copies of it. Theres also different prices on things that shouldnt be. I didnt sign any of this. Theres no work order for it. There are things that are not even my signature on this and stuff that I cant even cancel only XXXX XXXX time so I want my money back and I want it how are things different that they just didnt have on the car when I looked at the car they didnt even have it on there and then all of a sudden it now Im paying different prices. My loan company doesnt even have all of this. Its confusing the state already investigated this and they told me to get lawyers. I dont know how to put voicemails into it, but I have all the emails. I have all the voicemails I have everything. Its not even on the XXXX buyers guide. They also knew that I still had a XXXX mile warranty. They didnt even have it in my name like its not even on here that they added on dealer stuff like where the biggest issue wears a work problem is something Im paying for that. Ive already paid and I was told it would be canceled. I have it in voicemails. I have it in from the state that I would receive a check everything that it would be done even my loan company has an on file that I would get it canceled and receive a check. In my car is white, not silver.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self finical LEAD balance of {$0.00} XX/XX/year> This company have reported negative remarks on my credit report stating miss payment and as account closed profit loss. This account was a credit builder secure loan. No monies was ever issued to me. I closed this account, never missed a payment and paid it in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of 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 explanation