vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with Transunion, XXXX and XXXX. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both XXXX and XXXX and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with XXXX and XXXX to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with XXXX, XXXX and Experian. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both XXXX and Experian and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with XXXX and Experian to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
Transunion and XXXX Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing. 

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting. 

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MA

Complaint narrative:
I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand the immediate removal of these fraudulent items from all my consumer credit reports. Additionally, I request the cessation of all collection activity related to these inquiries. The specific inquiries to be removed is as follows : 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 I request that these fraudulent inquiries be removed within 4 days of receipt of this report. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Global Lending Services LLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
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 that 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that 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. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPBs 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. 

Here are the accounts I'm have dipsured as inaccurate : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX bought an account that was closed off of my experian account due to fraudulent activity. Experian put it back on my account and when I went to dispute it with the company the company never sent me the original copies of the contracts they just stopped responding until a couple months later when they sent me a letter saying I owe them XXXX dollars.Again they put it on my Experian account and Experian just tells me to contact them starting the process over again. Its still on my credit because yet again they stopped contacting me. Also how am I paying XXXX to be notified of any changes and Im not getting notified of when theyre adding the same exact thing over and over again

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 2025-01-26 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: TX

Complaint narrative:
Original complaint ( XXXX ) 1. Equifax did NOT send the required documents but gave a lengthy response which is not an updated consumer report nor an updated score as requested. 
2.Equifax did NOTpay for their violations of Consumer Law per the demands in my original complaint. 
It's as if they are avoiding being held responsible for their actions and NOT paying what the law clearly states. 
Equifax is already facing legal action filed against them by the CFPB for 12 USC 5536 ( a ) ( 1 ) ( 4 ) - ( B ) File No. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MN

Complaint narrative:
Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responded within 24 hours stating that 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 and XXXX 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. XXXX ) against XXXX for similar violations . I request that the CFPB take action to ensure both XXXX comply with federal law and provides consumers with the necessary proof of investigation, These are the accounts that I have marked as inaccurate : 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 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: MN

Complaint narrative:
Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responded within 24 hours stating that 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 and Experians 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. XXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure both XXXX comply with federal law and provides consumers with the necessary proof of investigation, These are the accounts that I have marked as inaccurate : 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 XXXX XXXX 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 2025-01-26 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 filled a dispute on inaccurate information on my credit report on the below accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian failed to follow up with an Investigation. This violates the fair credit reporting act 15U.S.C1681I in consumer law. 
Credit report has incorrect amounts on accounts. I recently was notified that CFPB has filed a law suite against the company Experian. CFPB alleged the company excepted unreliable information and failed to notify consumers dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information and has violated federal laws. I'm requesting these derogatory remarks be immediately removed as it is affecting me to buy a home. 

Thank you in advance.

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 2025-01-26 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:
Experian and XXXX 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. ( 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing the inaccurate information on my credit report with the CRA 's ( XXXX, Experian and XXXX ). They are in violation of these consumer laws : Under 15 USC 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 USC 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 shall -- ( i ) 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 and promptly notify the furnisher that the information has been modified or deleted from the consumers file. ACCOUNT NAMES : 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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to address a concern regarding my account and recent payment issues. Due to health challenges, I have fallen behind on payments, but I was approved for a payment plan and have been doing my best to stay on track. Unfortunately, last year in XXXX I missed a payment because the payment information on file was outdated. Last year, I noticed that my birthday was incorrect in the system. I sent the necessary documents to correct this, and I was told by an agent that the issue was resolved. However, last year XXXX, I discovered that my birthday is still listed incorrectly, and this has caused a problem with verifying my account to update my payment information. When I attempted to resolve this, I was informed that because of the incorrect birthdate, I couldn't be verified over the phone and was unable to update my payment method. I was recently advised by your customer service over the phone to reach out to a chat agent regarding an ongoing issue. When I initially signed up for the payment plan, I was told that auto-pay would be scheduled. However, in XXXX of last year, I was informed that I would need to make payments manually instead. Additionally, Ive noticed that Goldman Sachs is reporting a late payment on my credit report, and the birthdate they have listed is incorrect. I have documentation to support both the payment issue and the incorrect birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
Please check the information concerning the Equifax, XX/XX/year> XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX data breach below in attachments.

Company response to consumer: Closed with explanation