vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
Subject : Formal Complaint Against Experian for Credit Reporting Errors Dear CFPB Complaint Department, I am filing a formal complaint against Experian for its failure to accurately report my credit history and for violations of the Fair Credit Reporting Act ( FCRA ). I have already disputed the errors directly with Experian, but they have failed to correct them. 

Details of the Complaint : Creditor : XXXX XXXX  Account Type : XXXX XXXX Account Number ( Last 4 Digits ) : XXXX  Date Opened : XX/XX/XXXX Balance Reported : {$1100.00} ( as of XX/XX/XXXX ) Original Balance : {$34000.00} Status : Charged-Off with {$19000.00} Written Off Issue : Experian has reported 74 " Potentially Negative Months '' despite significant payments and a balance that is nearly paid off ( 97 % ).

Issues with Reporting : Incorrect " Charge-Off '' Status Experian continues to report my account as charged off, even though I have made significant payments.

This misleading reporting negatively impacts my credit score and financial standing.

Inconsistent Payment History & Negative Marks My payment history is being misrepresented, with 74 potentially negative months despite my efforts to pay down the balance.

Some months were marked as CO ( Charge-Off ) even though payments were made.

Failure to Correct Errors After Dispute I previously submitted a dispute with Experian requesting a correction.

Despite this, they have failed to investigate or rectify these issues, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Request for Relief : I request that the CFPB take the following actions : Investigate Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ).

Order Experian to correct or delete the inaccurate information and remove any incorrect derogatory marks.

Assess statutory damages against Experian for its failure to accurately report my account and failure to correct errors after my dispute.

Require Experian to provide a written explanation of why they continue to report inaccurate information despite my dispute.

Supporting Documents : I have attached copies of : My Experian credit report showing the incorrect reporting.

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 2025-03-19 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: NJ

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. 
( XXXX XXXX XXXX XXXX XX/XX/year>2016 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: WI

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$580.00}

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 2025-03-19 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, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-03-19 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: GA

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
I sent in XXXX and XXXX applications to MOHELA. This was confirmed by Federal Student Aid, previously, and today. The company did not notify me if they had accepted my XXXX  app, but XXXX today did. My XXXX has been " pending '' since XX/XX/25, and MOHELA claims on voicemail and website that during this pending phase, my loans are in admin forbearance. Recently, with no communication to me, MOHELA placed me on a " Standard Repayment Plan '', a plan that I did NOT apply for, CAN NOT afford, and DOES NOT qualify for my already accepted XXXX. I have sent XXXX messages, called multiple times, and waited on hold for between XXXX hours each time, and today was disconnected after XXXX hours on hold with no call back I called again, and the hold time passed close of business today. Now, The incorrect amount is due tomorrow, and I'm sure they will not change it in time and probably incur late fees. MOHELA is unreachable. 

I need to be placed on the correct plan, NOT the standard repayment plan, the XXXX plan with forgiveness and any incorrect charges and late fees to be cancelled with no negative impact on my credit or loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CarMax, Inc.
State: NC

Complaint narrative:
This company has refused to send me a 1099C in regards to the profit loss reported on my credit. Ive sent multiple letters to them three times with no response in regards to the 1099C their response is already requested information. We already responded, but Im not received a response. Please see the letter below. Dear CarMax Auto Finance, I am writing once again to formally request a 1099-C Cancellation of Debt for my charged-off account with your company. Under IRS regulations, if a creditor discharges a debt of {$600.00} or more, they are required to issue a 1099-C form for tax purposes, as they have written off the amount as a loss on their taxes. This is now my third request to both CarMax and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, yet I have not received a response. The lack of communication is concerning, and I am requesting that this matter be addressed immediately. Please provide the 1099-C form for my records, as required by law, or provide a written explanation detailing why it has not been issued. If I do not receive a response within [ reasonable timeframe, e.g., 15 days ], I may be forced to escalate this issue further. I appreciate your prompt attention to this matter and look forward to your response. You may send the requested form to my address listed above or contact me directly if further clarification is needed. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a credit card with Synchrony bank ( CareCredit ) this is card is for medical purposes. I went to a XXXX  and had a special XXXX step XXXX XXXX done and they charged me {$520.00}. I got an XXXX from the process and had to lose work and go to the XXXX  office numersous times for extra treament including and antibiotic. The XXXX  at the time said they were sorry and would reimburse but to give it time because since it was done thru care credit it would take about a week. I never received the credit after XXXX weeks and called the office and they said to give it time. I called cared credit to dispute and they said no problem they would help me with the claim. XXXX  months go by and nothing. Everytime I would call care credit they would put in a new dispute because they could not find it. It was very dissappoitning. I called the dental office and the dentist had gone on maternity leave and was not coming back. The office called cared caredit with me on the line and carecredit said they would take care of it. a Year goes by back and forth and I called numerous times to carecredit and they said they had no record. We are now in XXXX  and nothing has ever been done. Now they are charging me {$720.00}. I am not paying for something that caused me harm and pain. The credit card company never helped till this day. I dont know what to do anymore but I am not paying this .I have excellent credit and never miss my bills but this company is very disturbing to customers.

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 2025-03-19 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: CA

Complaint narrative:
See attachments. Experian is in violation of 15UCS 1681 and metro 2 compliance.

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 2025-03-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-19 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$12000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00}

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I made a mistake while using online service and created a cash advance of {$170.00} instead of transferring money from one of my savings accounts to checking account. I recently utilized a 1.9 % balance transfer for XXXX XXXX. I requested that the {$170.00} balance transfer was my mistake and I requested a reversal. I was told they could not. I was charged {$10.00} for the cash advance fee and will be charged 29.49 % compounded daily until the full amount is paid off. 

I requested consideration in that I use the bank for my payroll direct deposit and all my online bill payments as well. I noted my mistake and asked for customer relations consideration. I was told no. I believe they can reverse it if I can speak with the right person.

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 2025-03-19 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: SC

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PACIFIC PREMIER BANCORP, INC.
State: WA

Complaint narrative:
The Bank, pacific premier bank, informed me that XXXX was a way to instantly transfer funds from one bank, XXXX, to their institution to fund my account in case funds got low. I initiated a XXXX payment of XXXX dollars to cover my staffs payroll and my business, XXXX XXXX XXXX XXXX The instant transfer took 5 days, caused my payroll to bounce, {$300.00} fee from XXXXXXXX XXXX XXXX and a {$40.00} wire fee to make things right with XXXX XXXX 

In closing my account with them, I was informed it would be for credit purposes only now, meaning now out going funds. I asked specifically if I need to issue stop payments on any of these ACH accounts. I was told no, that because my account is credit only, that was not necessary. Funds have continued to flow out from this account leaving me unable to close it, costing me XXXX XXXX  more and still counting. 

This company has given false information multiple times from multiple sources. Everyone has different information and this kind of compartmentalization and intentional blackout out of some information is ripe for XXXX XXXX XXXX  This Bank has continued to lie and I feel duped in to continuing to do business with them.

Company response to consumer: Closed with explanation