vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MI

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C Code 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to insure Equifax complies with the federal law and provides consumers with necessary proof of investigation. These are the account Ive marked as inaccurate. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am writing to raise serious concerns about Zelles inadequate dispute resolution process and failure to protect its users. Despite being a loyal Zelle user, I encountered discrepancies in transactions and promptly reported them, expecting a fair investigation. Instead, both Zelle and my financial institution dismissed my claims, stating that recovering lost funds or tracking transactions was impossible.

This lack of accountability is deeply troubling, especially given the recent CFPB findings that expose systemic flaws in Zelles platform. It is unacceptable that Zelle allows repeat offenders to exploit its system, leaving consumers like myself vulnerable to fraud and financial loss.

Zelles failure to implement robust security measures or provide meaningful recourse for affected users demonstrates a disregard for consumer safety and trust. I urge regulators to hold Zelle accountable and require immediate improvements to its dispute handling and fraud prevention practices.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please see supporting documentation pertaining to EQUIFAX data breach.

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 status incorrect
Company: Porsche Financial Services, Inc.
State: AZ

Complaint narrative:
I had traded my car 2022 XXXX which was financed with Porsche financial services for a new XXXX, the XXXX dealer failed to payoff the car in a a timley mannor and by the time they did reflected a late payment.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
My federal student loans were discharged on XX/XX/scrub> 2024 in Adversary Hearing XXXX under XX/XX/XXXXBankruptcy case # XXXX. I have tried to get the seven ( 7 ) federal student loans taken off of my credit report by contacting the DOE and each credit agency. However, the DOE continues to report the information as correct and has not removed the loans from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My federal student loans were discharged on XX/XX/scrub> 2024 in Adversary Hearing XXXX underXX/XX/XXXX XXXX Bankruptcy case # XXXX. I have tried to get the seven ( 7 ) federal student loans taken off of my credit report by contacting the DOE and each credit agency. However, the DOE continues to report the information as correct and has not removed the loans from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without croviding any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation.

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

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) the account is accurate, without croviding any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. I want reported accounts removed : XXXX XXXX XXXX, balance {$600.00}, date opened XX/XX/XXXX XXXX XXXX XXXX  balance {$400.00}, date opened XX/XX/XXXX first XXXX XXXX XXXX XXXX balance {$85.00}, date opened XX/XX/XXXX XXXX XXXX XXXX balance {$10.00}, date opened XX/XX/XXXX XXXX, balance {$0.00}, XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
They call just about every day with two different numbers. Then I have to block the new numbers they call on. They been doing this for 3 months or so. They want me to pay on debt that's 10 yrs old. Auto loan. Plus I filed bankruptcy. Threatening to take my license and sue me in court amd take my social security XXXX. I have yet to see any of those actions but they have left voicemails in the past saying they are some government agency and are notifying me that I will be sued in court very soon and to take my valuable possessions and cars I might have.

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: TX

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 credi 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

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: IA

Complaint narrative:
Experian refuse to update my information on my credit report. I've tried calling multiple times and can never speak to a real person. I tried going inline. I created an login and still had no luck with updating information or with disputing false information.

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: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: IL

Complaint narrative:
I Have Self On My Credit Report But I Never Had Self Account Or Anything Like That I Called self they said they was going to look into and send me proof and i never received anything from them, The Stuff They Reporting On My Credit Is Really Taking A Tow On My Credit I Asked That It Be Removed Immediately

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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XX/XX/XXXX Balance {$1200.00} Open Date XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Balance {$0.00} XXXX Date XX/XX/XXXX XX/XX/XXXXXXXX Balance {$730.00} Open Date XX/XX/XXXX inquiries XXXXXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX 2023

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

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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. 

Accounts : XXXX XXXX XXXX XXXX. 
Original Creditor Name XX/XX/XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$17000.00} Amount {$17000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor ClassificationXX/XX/XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX 2021

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect information my credit report, delays resolving disputes. These inaccuracies have negatively impacted my credit score and caused undue stress and difficulty in managing my financial affairs. Despite multiple attempts to resolve these issues, Nothing has changed.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I am writing to report a suspected fraudulent debt collection document that appears to be a deliberate attempt to mislead and potentially scam consumers. 
Specific Details of the Fraudulent Communication : Document claims to be a legal notice regarding an alleged debt Claimed to be sent via certified mail, but lacks official USPS certified mail markings Includes a court docket number that does not exist in the New Jersey Civil Court system Contains no verifiable service initials or legitimate legal indicators Verification Attempts : Checked New Jersey Civil Court Online Case Information ( JOCIN ) system Confirmed no matching case exists Observed no official certified mail documentation Unable to verify any legitimate legal basis for the communication I am concerned this document represents : A potential debt collection scam Fraudulent attempt to intimidate or deceive consumers Violation of fair debt collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am 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 forms was impossible and that tracking these transactions was unfeasible. The CFPBs 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 2025-01-23 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I obtained a mortgage with Fifth Third Bank. At that time they required I have flood insurance. 

In XX/XX/XXXX I had an elevation survey performed by an engineering firm and filed documentation with XXXX who approved removing the flood zone from this property. I sent all of this information to Fifth Third bank in XXXX. 

In XX/XX/XXXX, I called and asked for an update. They asked that I resubmit the documents. I did this and they said it was under review. 

In XX/XX/XXXX I called and the bank stated they did not know the status of the flood status on this property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
I am trying to have Newrez ( Shellpoint ) the servicer of my mortgage loan to properly put the loan under my social security number. I have assumed the loan from my deceased son. The 1098 tax form was mailed for XXXX under my sons deceased name and under his social security number even though he passed away on XX/XX/XXXX. I have been paying the mortgage for all of XXXX and can not deduct off my taxes because of their negligence. They have his death certificate and many other documents. All of this information was sent to them in XXXX and XXXX. 

In addition, I changed my XXXX XXXX in on or about the first week of XXXX XXXX and they calim they have no record of receiving the documents. I have proof the documents were sent by my new insurance company. For every month that goes by I will be overchaged by XXXX dollars if they dont fix escrow.

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