vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: KY

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XX/XX/XXXXr XXXX Bankruptcy - XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX2024XX/XX/XXXX XXXX2024 XX/XX/XXXXXX/XX/XXXX-2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by XXXX XX/XX/XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/year>2020, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved.

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 2025-02-07 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: GA

Complaint narrative:
I am submitting a complaint regarding inaccurate late payment reporting by XXXX XX/XX/XXXX Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/scrub> 2020, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved.

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 2025-02-07 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: NJ

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Late Payment Reporting Violation of 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report by XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and correct any inaccurate or incomplete information that is disputed by the consumer. 

The details of the inaccurate account are as follows : XXXX XXXX : XXXX XXXX I have reviewed my records, and the reported late payments are inaccurate and unverifiable. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer information. Reporting incorrect payment history violates this obligation and negatively impacts my creditworthiness. 

Furthermore, if XXXX XXXX can not provide verifiable proof that these late payments are accurate, the information must be deleted immediately under 15 U.S.C. 1681i ( a ) ( XXXX ). I request that you conduct a full reinvestigation of this matter and provide me with the following : Evidence that XXXX XXXX properly reported these late payments, including payment history records. 

A written response confirming whether the disputed late payments will be corrected or removed. 

If the disputed information can not be verified within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand its immediate deletion from my credit file as required by law. Failure to comply with the FCRA XXXX result in legal action being taken against your agency. 
Please provide me with the results of your investigation in writing. I expect this matter to be resolved promptly to prevent further damage to my credit profile. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: KY

Complaint narrative:
I file for experian account XXXX, account num XXXX to dispute they haven responded back or erased the account those account happened during 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 2025-02-07 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: OH

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( fcra ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against transunion, alleging systemic issues such as, failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures aligns with my experience, where neither Transunion 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 l, as Transunion inactions violate 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 non-monetary relief
Consumer complaint received 2025-02-07 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:
the following accounts were open fraudulently while i was in federal prison XX/XX/XXXXXXXX XXXX AMOUNT XXXX XX/XX/XXXXL amount XXXX XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXX XXXX Amount XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXXXX/XX/XXXXAMOUNT XXXX XXXX XXXX AMOUNT XXXX I WAS XX/XX/XXXX FOR THE LAST 17 years in the XX/XX/XXXXTHERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
the following accounts were open fraudulently while i was in federal prison XX/XX/XXXXXXXX XXXX AMOUNT XXXX XX/XX/XXXXL amount XXXX XXXX XXXX AMOUNT XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXX XXXX Amount XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX AMOUNT XXXX XXXX XX/XX/XXXX AMOUNT XXXX XXXXXX/XX/XXXXAMOUNT XXXX XXXX XXXX AMOUNT XXXX I WAS XX/XX/XXXX FOR THE LAST 17 years in the XX/XX/XXXXTHERE WAS NO WAY I CAN IOPEN ACCOUNTS WHILE IN FEDERAL CUSTODY!

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: World Acceptance Corporation
State: TN

Complaint narrative:
I am reporting XXXX XXXX XXXX as well as XXXX XXXX for their irresponsible, as well as illegal practices to which they have been in cahoots working together to push a fraudulent debt on me that I do not own or owe to either companies. I had a previous loan with XXXX XXXX to which I paid off completely both times and fulfilled my credit obligations to XXXX XXXX as I should have, but now as I checked my XXXX and XXXX reports I saw this fraudulent tradeline from XXXX XXXX XXXX on there and had to do research to find out why they were even on my credit. I found out they were collecting for XXXX XXXX  which is ridiculous because I dont owe them anything. Truthfully speaking I have been incarcerated since XXXX of XXXX  so there is NO WAY POSSIBLE I could have opened another loan with XXXX XXXX which shows that this whole situation is fraudulent. My legal representation is commencing with legal proceedings as well to bring proceedings if this situation isnt rectified immediately! I want XXXX XXXX XXXX XXXX to remove their fraudulent tradeline off of my credit reports ( XXXX, XXXX, XXXX ) and return this fraudulent debt back to XXXX XXXX. I have proof I was in jail, so there is no way I owe anything to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
XXXX XXXX XXXX account open on XX/XX/XXXX amount XXXXXXXX XXXX XXXX open on XX/XX/XXXX amount XXXX I was in XXXX  when this was open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX account open on XX/XX/XXXX amount XXXXXXXX XXXX XXXX  open on XX/XX/XXXX amount XXXX I was in XXXX  when this was open

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am reaching outagainbecause my report continues to contain errors that should have been corrected long ago. These inaccuracies are unfairly lowering my score and creating unnecessary roadblocks in my financial life. It is incredibly frustrating to be held back by someone elses mistakes.

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 2025-02-07 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:
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 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, 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

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am formally disputing the inaccurate reporting of a XXXX XXXX account on my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which mandates accurate and verifiable reporting. 

Account Information : Creditor Name : XXXX XXXX  Date Account Opened : XX/XX/XXXX Date of Last Payment ( Actual ) : XX/XX/XXXX Date of Last Payment ( Falsely Reported ) : XX/XX/XXXX XXXX XXXX is inaccurately reporting that my last payment was in XX/XX/XXXX, which is false. I ceased making payments in XX/XX/XXXX, meaning this account is past the statute of limitations for reporting. This appears to be an unlawful attempt at re-aging the debt to keep it on my credit report longer than legally permitted.

Under FCRA 15 U.S.C. 1681c ( a ) ( 4 ), negative accounts must be removed after seven years from the date of the first delinquency. The correct date of first delinquency was in XXXX, making this account ineligible for reporting. 

Resolution Demanded : Immediate Deletion of the XXXX XXXX  Account This account is past its legal reporting period and must be removed from my credit report. 
Correction of Any Re-Aged Information Any attempts to falsely extend the reporting period must be investigated and corrected. 

Failure to comply with this request within 30 days will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office for violations of the FCRA and other consumer protection laws. 

Please investigate this matter and confirm removal of this account in writing. 

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am trying to purchase a home. My mortgage company is unable to pull my equifax credit. I called XXXX XXXX to ask to how to remove this as i did not request this. i spoke to them where they told me to mail cover letter with the needed info and it would be taken off. I sent called every week as this has kept me from purchasing. They state never got it. I then send a second time same thing has happened. Noe the third time i am beyond upset about this. Someone is not doing their job and i keep sending my personal information and paying tracking. They are rude and will not help me. I need the internet hold off my account asap. I dont know what to do as this should be a simple process. Its now XX/XX/year> and been XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

Complaint narrative:
I sent a dispute letter : Letter to Remove Inaccurate Credit Information XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX and Equifax reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX # XXXX XXXX ) Date of Last Activity : This account is not accurate. The Creditor is reporting XXXX different dates to the credit bureaus on my XXXX Credit Report. TransUnion reports XXXX, Experian reports XXXX. The dates are not the same which makes the account not accurate. Please update or delete this account on my credit report. 

XXXX XXXX XXXX  # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 
XXXX ) XXXX XXXX # XXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

XXXX XXXX XXXXXXXX XXXX ) Account Status : This account is not accurate. The Creditor is reporting XXXX different Status to the credit bureaus on my XXXX Credit Report. TransUnion reports the account OPEN, Experian reports and Equifax reports closed. Please update or delete this account off my credit report. 

Experian did not respond to my request. I sent several letters prior to the one above.

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