23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reported inaccurate address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX I have never lived there
Product: Student loan

On XX/XX/XXXX I had filed a CFPB complaint against MOHELA to respond to my employment verification forms that had been ignored for several months. On XX/XX/XXXX MOHELA applied some of my unanswered employment verification forms to my account, but there are still quite a few employment verifications that have not been applied to my account and it has been a week since they applied some but not all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX | XXXX : XXXX Attn : Credit Bureaus ( XXXX, XXXX XXXX Transunion ) To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX XXXX XXXX with account number XXXX ( Credit limit XXXX ) This account is listed as being 30 days late ( alleged XXXX late month ). I have never been late on this account. 

XXXX XXXX XXXX  with account number XXXX ( credit limit {$700.00} ) This account is listed as being 120 days late ( alleged XXXX late months ). I have never been late on this account. 

XXXX XXXX XXXX  with account number XXXX ( credit limit {$500.00} ) This account is listed as being 90 days late ( alleged XXXX late months ). I have never been late on this account. 

I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to kindly and amicably hand this matter with Transunion but to no avail. They just continue to send me stall letters, and automated responses, How is this fair for a corporation to have all this power and no accountability?
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX. XXXX Account XXXX : XXXX XXXX : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX XXXX : {$0.00} XXXX. XXXX Account Number : XXXX Bal : {$14000.00} Under XXXX U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

THIS CFPB COMPLAINT IS AGAINST EQUIFAX FOR THEIR REFUSAL TO RE-INVESTIGATE ERRORS ON MY CONSUMER CREDIT REPORT. EQUIFAX RECEIVED A VALID DISPUTE LETTER DATED XX/XX/XXXX VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. EQUIFAX SIGNED FOR THIS DISPUTE LETTER ON XX/XX/XXXX. EQUIFAX STARTED AND FINISHED THE INVESTIGATION OF THE DISPUTED INFORMATION AND NEGLECTED TO MAIL ME MY RESULTS. WHICH IS A VIOLATION OF THE FCRA. I DID NOT REQUEST MY RESULTS IN ANY OTHER FORMAT. ALL MY DISPUTE DONE BY MAIL I EXPECT MY RESULTS TO BE DELIVERED BY MAIL. THIS IS THE ONLY ACCEPTABLE FORM FOR MY RESULTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a written letter to Equifax, Trans Union and Experian via certified mail of XXXX account inaccuracies and requested removal of the accounts along with a request to remove personal information not needed on my credit report such as prior names, incorrect names, addresses, etc. 
None of my requests were addressed. No corrections were made. 
On XX/XX/year> I sent a second request to all 3 ( Equifax, Trans Union and Experian ) via certified mail with the same requests as my previous letter dated XX/XX/year>. 
Instead of these accounts being removed, they were " reactivated '' and now accounts that were charged off, had XXXX balance etc. were no showing up as in collection. 
It's as if my requesting to have these accounts removed, " flagged '' the account and I started getting collection calls, letters and new account activity was being reported negatively on my credit report. 
My request to have my personal contact information corrected to include only my current information has never been addressed either. 
I believe these bureaus allowed my credit report and personal information to be exposed during data breaches and unauthorized access without my consent.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and tracking transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving us vulnerable to scams.
Product: Credit reporting

I SENT IN MY DISPUTE WITH EQUIFAX TO UPDATE PHONE NUMBER AND NOTIFY MY CREDITORS. THEY STILL HAVENT DONE THIS BUT MY DISPUTE SAYS IT WAS APPROVED AND LISTED IN STATUS AS COMPLETED. MY CREDITORS STILL CAN NOT VERIFY ME THROUGH MY PHONE NUMBER AND WHEN EQUIFAX UPDATED IT ON THE CONFORMATION PAGE THEY DID NOT ENTER THE AREA CODE!!!
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXXs, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit card or prepaid card

I applied for a Amex new business card but a personal card was approved instead in XX/XX/2018. I met all spending requirements but haven't received the promotion of XXXX points of the promotion offer. An explanation letter was mailed to me to explain it was due to a tech error for opening incorrect account in XXXX. I request the promotion offer be honored because of Amex system mistake.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

My name is XXXX XXXX I need a update on these Claim numbers and disputes and also need a update on other claims and disputes I filled but dont have the claim number for them I need to them if they was credit or denied if they are denied I need yall to reopening them all up and investigate it or appeal the old decision to have them all reopen and investigate again because I disagree with the decisions was made for all of them and for my XXXX dispute for {$32.00} I need that to be reopen or appeal to be investigated and reopen I disagree with the decision I have contacted XXXX but they told me they cant dispute it it was done by friends and family option not goods or service option and I didnt know that I used XXXX guest checkout option because I didnt have a XXXX account and I told them that my bank denied the dispute but they cant help me dispute it they say so please reopen it or appeal it to be reopen and investigate because I disagree with the decision on it and also provide me with all the new decisions when yall reopen them up and investigate them again and for my XXXX claim if yall cant help me on it please give me a onetime credit for {$32.00} because I really need it back and on XX/XX/year> my account is super to automatically closed down for checking and saving account but I still never got my new customer promo bonus to my checking account for {$300.00} and they told me I will get it after XX/XX/year> because I have meet the requirements for it so please add it to my account and also send me proof when the checking and saving account is closed and send me the my whole balance to me in a check in the mail at XXXX XXXX XXXX XXXX XXXX XXXXXXXX checking account number is XXXX and saving account number is XXXX and attachment of the both account is below etc. 

XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim Reference Number : XXXX Claim number XXXX Claim number XXXX Claim number XXXX Claim number Claim Reference Number : XXXX Claim number XXXX
Product: Mortgage

During Covid XXXX automatically put my house payment in a forebearance plan against my knowledge. After 6 months they want {$6000.00} and they marked my credit for those 6 months
Product: Checking or savings account

Since my initial complaint, USAA subsequently deducted {$4000.00} on XX/XX/XXXXXXXX XXXX XXXX  days after the initial fraud was reported from the joint checking account. This transaction was discussed at length with a Bank Member Advocacy ( BMA ) staff member on XX/XX/2025, yet it is not mentioned at all in your response to my initial complaint. 

I am a XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX relies solely on VA Education Benefits from the GI Bill for his living expenses. On XX/XX/2025, his monthly VA Education Deposit was posted. Three days later, the entirety of that deposit was removed by USAA, just as his room and board payments were due. I shared this with BMA staff, and also noted that a payment plan was never offerednor was I given any clear understanding as to why nearly a full month passed between the fraud report and this aggressive action. 

Alarmingly, I was never made aware that on XX/XX/2025, an unauthorized individual contacted USAA to regain access to the account. Coaching was provided for the Member Service Representative ( MSR ) who helped the unknown caller access the account. If USAA personnel assisted an unauthorized actor in accessing the account, it is extremely difficult to understand how USAA does not bear responsibility for the fraudulent activity that followed over the next 28 days. 

There are additional inconsistencies that require clarification. In your most recent response, you stated : During this time, two overdraft credit card advances from the XXXX credited the checking account in the amounts of {$4500.00} and {$5000.00}. On XX/XX/2025, fraud determined this was an authorized scam. 

However, your earlier letter dated XX/XX/2025 states : Weve completed our research and based on the information provided ; we determined that unauthorized transactions did occur. 

It is unclear to me how the same situation can be both an authorized and unauthorized scam. This contradiction is deeply troubling and adds to my concern that the case has not been handled with the consistency or seriousness it warrants. 

I have been a loyal USAA member for 29 years. Between insurance, investments, mortgage, and banking, Ive trusted USAA with my familys financial well-beingand I know USAA has profited many times over from that relationship. My request is simple : that USAA stand by its stated commitment to veterans and return the remaining {$4900.00} that was taken from my sons accountespecially given that you are effectively recouping his hard-earned VA Education Benefits . 

Thank you for your time and prompt attention to this matter. I remain hopeful that USAA will do what is right. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of XXXX XXXX. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES is reporting my five loans under sequence numbers XXXX as being closed with XXXX, XXXX, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to XXXX, XXXX, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account NumbeXXXX XXXX XXXX  Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

I was never notified or contacted concerning this medical debt. I need the debt validated otherwise removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and hat tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against [ Equifax ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : Incorrect Name : My current legal name is [ XXXX XXXX XXXX ], but it is incorrectly listed as [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

Outdated Address : My current residential address is [ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FLXXXXXXXX XXXX while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ]. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Vehicle loan or lease

This loan was paid off via a gap insurance check in XXXX of 2023 and then another loan payment was taken from my bank account. I never received a final statement, as the company revokes access to ALL statements once the loan has a {$0.00} balance. I have requested dozens of times over the past 6 months via their customer service email and phone support and have been told that it flat out would not be provided to me by one person, and then several individuals, including members of management, have promised I would receive a payment reconstruction showing the balances that never arrived. They keep sending the same document, even going as far as to print it out and mail it, that just shows my monthly payments, with no helpful information as per my request ( I am not sure it means anything at this point, but this is the latest " case number '' involving my final request : # XXXX ). I am not sure if this company is lazy or shady, but it is absurd to refuse their customer access to rightful financial account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's consumer reporting agency has assumed a vital role in assembling and evaluating my consumer credit and other information pertaining to my consumer report. With that being said, TransUnion 's consumer reporting agency is furnishing my consumer report with unauthorized inquiries and accounts. Not only did I not use my social security card to authorize these consumer credit transactions but more importantly these items are in violation of several Fair Credit Reporting Act laws that protect my consumer rights.
Product: Student loan

XX/XX/XXXX I had a long phone call with a customer service representative about my " new '' monthly payments. I informed the customer service lady that I was unable to pay the extreme amount of {$400.00} on my monthly loan. The customer service lady told me I had no other choice but to pay that. She told me that, that was the " current '' lowest monthly payment. However, I've been paying on my school loan since XXXX and the payment was {$220.00} a month. I currently have five loans to pay for. I have been paying for them on time. But someone once I finished paying one loan since it was a tiny loan, my monthly payments go up to {$400.00}. I have repeated asked them if I can lower the payments because I can not afford anything else besides these loans. I thought they were going to help me figure out a better solution to pay for them, like a payment that I can afford. Till this day my payments have gone up to {$460.00}. I have no where else to turn too. This is extremely hard to not be able to afford food because Sallie Mae will not lower my monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX XXXX XXXX ) XXXX PNC BANK Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

I lost my job in XX/XX/2020 due to pandemic. I reached out to kohls to inform them and was told they would waive the late fees and no payments until I was financially stable to make payments. At the time I also had some kohls cash but everything shutdown and was unable to use but was told that once stores reopened they would honor it. 

I reached out regarding the {$65.00} fees that was not credited back to my account and rep told me there was nothing they can do that I had to pay it and also that they could not honor my {$40.00} kohls cash afterall.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )