vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
My XXXX credit card companies closed my accounts and forfeited the right to collect the debt and now collection agencies are calling me left and right so I was wondering if I could get this deleted off my report. XXXX lost and dont know what to do next. 



15 U.S. Code 1692c. Communication in connection with debt collection ( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such_debt, except ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
From XXXX of XXXX through XXXX of XXXX I disputed several accounts, inquiries and inaccurate information on my credit reports from transunion, XXXX and experian. They did not send any references of the information I requested such as documentation indicating the said companies had agreements with me. The responses came back in less than 30 days that the information was accurate with no details and stayed on my reports.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The mistakes on my report are more than an annoyancetheyre actively hurting my score and my ability to pursue new opportunities. Its draining to keep finding errors that shouldnt exist, knowing theyre negatively affecting my life. This has gone on long enough.

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 2025-01-23 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: TN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
I have disputed unknown information and inquires on credit report provided documents of proof still nothing was investigated or changed. My personal information has been used to inquire bank accounts and loans.

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 2025-01-23 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: LA

Complaint narrative:
I submitted disputes on XX/XX/year>, and the results were returned to me about XXXX weeks later, on or around January 10/11, 2025, and no changes were made and the information on my report with these XXXX agencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through three credit reporting agencies : XXXX, XXXX, and Transunion. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results XXXX days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my XXXX portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.

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 2025-01-23 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: LA

Complaint narrative:
I submitted disputes on XX/XX/year>, and the results were returned to me about XXXX weeks later, on or around January 10/11, 2025, and no changes were made and the information on my report with these XXXX agencies remained inaccurate and impaired my ability to use my credit for personal use given the inaccuracies in their reporting, which companies rely upon for making decisions related to my name based on credit. 

Specifically, I disputed multiple errors on my credit report through three credit reporting agencies : XXXX, Equifax, and XXXX. When I checked the status of my dispute on the websites portal, I was advised these companies investigated and returned with the results XXXX days after my dispute was made. I checked to see if anything was changed, but there were no changes. The disputed information remained on my credit report. The disputed information included incorrect addresses and contact information and incorrect records of payment to the account when active and payments in full that were made to the account but not correctly reported by these agencies. This has significantly adversely affected my ability to use my credit as various inaccuracies remain on my report despite my disputes, and this has continuously prevented an accurate reporting of my credit to companies for my private use. I have been denied applications for credit that are directly based upon these agencies inaccurate and defective reporting of my credit history. These accounts need to be updated accordingly and inaccuracies removed so I can proceed with my life. 

Now all of a sudden, the dispute investigation results and information are no longer visible on my XXXX portal as though the company is trying to hide this information which demonstrates the continued bad faith and fraudulent conduct of these companies. Fortunately, I still have some of these emails which document my requests and communication from the reporting agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I make it a habit to check my credit report because my credit score really matters to me. Unfortunately, I keep finding inaccurate and false information on it. This has been a constant issue, and no matter how many times Ive raised it, nothing has been fixed. Its incredibly stressful and draining, and it's starting to seriously impact my life and my credit score in an unfair 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have used Zelle in multiple capacities without fully knowing the rights and options for sending/receiving money more securely. The inconveniences and fees associated with having to use alternative options are too numerous to list.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
FORMAL DISPUTE - DEMAND FOR REMOVAL OF INACCURATE INFORMATION** Social Security Number : XXXX To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
Balance - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading - Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt Balance - XXXX Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. 
As the original creditor, only I can validate this debt. I do not validate this debt. 
Incorrect Name - XXXX This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Legal Basis for Dispute and Unyielding Demands : XXXX. FCRA XXXXection 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft** In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
My car was repossessed on XX/XX/XXXX. I received a letter in the mail stating that even though my car had been repossessed that I still owed the remaining balance of the loan. It also stated that I would receive correspondence in the mail of when and where my car would be sold, which I never received. 

On XX/XX/XXXX I called XXXX XXXX XXXX  ( XXXX ) which was the repo company that was in possession of my vehicle, they informed me that all of my belongings in my vehicle were donated, they did not have my tags, and that on XX/XX/XXXX my car had been moved to a new location, which they would not disclose. 

On the same day XX/XX/XXXX after speaking with XXXX XXXX XXXX, I reached out to Onemain 's repo department to inquire about the whereabouts of my vehicle. They informed me that my car had not been sold yet and that again I would receive a notice in the mail about where and when it would be sold, to which was a lie. 

My car was then sold and I still did not receive any information of the sale, I only found out that it was sold because my credit report updated and it showed that a credit was applied to the loan. 

I have had XXXX Informed delivery since XXXX, this is a feature from XXXX that allows you to receive an email with a digital photo of every piece of mail that you will receive for the day, so if they sent any type of communication I would have seen it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NV

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. These are the accounts I've marked as 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 explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX and Experian consistently responds within XXXX hours stating that the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025- CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I complain in XX/XX/year>, XXXX Confirmation No. XXXX, I complained about Wells Fargo, and I send them a package, they said the time was expired, I have a FBI report and XXXX Police number and a FINRA report number, Wells Fargo sent the money to a scammer many times, Claim # XXXX and many claims, I reported it a few as soon as it happed, when I got the statement, Wells Fargo asked me many times, I have complain many times on CFPB, why did they send money to scammers, they should be responsible for sending the money to a scammer, They took XXXX out of my account, and I cut up XXXX credits cards that were scammed, Wells Fargo changed my account because of scammers, why should they be responsible if they send to a scammer address. I send to Wells Fargo XXXX pages of documents that were scammed

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used my CashApp to send money to my family and kids and pay my landlord. One day ( can't remember the date ) my son asked if I could send him money to buy something. I went to the app, and entered the amount I was sending and once I pressed send, it told me that my account was closed due to suspicious activity... so I called the team and they asked me a few questions and told me that I would have to wait 30 days for then to review my account. It has been way passed the 30 day mark and my account is still closed, but not just mine ... my son 's account as well. I wasn't able to pay my rent, which was late. I had to explain to my landlord what was going on with my account. This is frustrating and either they fix the problem, or take this app down and stop taking Americans hard earned money, for themselves...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 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, XXXX '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

The details of the dispute are as follows : Disputed Information : Ability recovery Service Account Number ( if applicable ) : XXXX Date ( XXXX ) of Occurrence : XX/XX/year> Amount : {$1500.00}

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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
**Subject : ** Dispute of Collection Account XXXX XXXX XXXX XXXX XXXX XXXX 
To Whom It May Concern, I am disputing the collection account being reported by **National Credit Adjusters** on my TransUnion credit report. This account was **already paid through a different collection agency**, and I demand its immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. National Credit Adjusters has falsely claimed ownership of this account without substantiating their claim. I am requesting that TransUnion : XXXX. **Immediately investigate this dispute and request definitive proof** from XXXX XXXX XXXXXXXX XXXX XXXX have the legal right to report this debt. 
XXXX. **Provide concrete documentation**, such as an original contract or assignment from the original creditor, demonstrating their authority to collect. 
XXXX. **Remove this account from my credit report** if they can not provide verifiable proof within the required timeframe under FCRA guidelines XXXX 
Failure to provide proper verification will constitute a violation of federal law, and I am prepared to escalate this matter if necessary. 
Please update me on the status of this dispute and provide written confirmation once the investigation is completed. 
Thank you for your prompt attention to this matter. 
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