vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: AL

Complaint narrative:
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 XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Trying to get Bank statements from Citizens for a divorce proceeding. XX/XX/year> Started process to get bank statements from a closed account. They said they would send them. Never received them. Requested again XX/XX/year>. Never Received them. Requested again XX/XX/year>. Was told that I needed to have them sent to correlating address on file. Never Received them. XX/XX/year> : was told that the person previous did not put correct dates in for transactions so request put in again. XX/XX/XXXX XXXX still no bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
over the past few years I've tried to remove not only negative items but also personal items i was told they cant remove they did not fix any errors Experian has failed to fulfill it's legal obligation under the Fair credit act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau 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 correction action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer. all i received is what i have below no letter nothing

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 2025-01-14 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:
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 my8 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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 XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXXXXXX : Formal Dispute Regarding Inaccurate Reporting of XXXX XXXX Account Dear XXXX XXXX XXXX XXXX  , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed XXXX XXXX account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Details of the Dispute Account Name : XXXX XXXXXXXX XXXX XXXX Account NumberXXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a zero balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the XXXX XXXX account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report.

Request for Action Conduct a thorough investigation into the reporting of this account. 

Provide written confirmation of the results of the investigation. 

Delete or correct the inaccurate information as required by law.

Send me an updated copy of my credit report reflecting these changes. 

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees. 

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ).

Thank you for your prompt attention to this matter. I look forward to your resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX  Fl XXXX Experian XXXX XXXX XXXX, Texas XXXX XXXX : Formal Dispute Regarding Inaccurate Reporting of XXXX XXXX Account Dear XXXX XXXX and co , I am writing to formally dispute the accuracy of the information being reported on my credit report regarding a closed XXXX XXXX account XXXX This dispute is made under my rights as afforded by the Fair Credit Reporting Act ( FCRA ), specifically Sections 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Details of the Dispute Account Name : XXXX XXXX and co Account XXXX Nature of Inaccuracy : [ State the specific inaccuracies here, e.g., " This account is being reported as delinquent, but it has been closed with a XXXX balance, '' or " The dates of delinquency are inconsistent with my records. '' ] Legal Basis for Dispute Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are required to adopt reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The reporting of the XXXX XXXX account violates this provision due to the inaccuracies stated above. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an investigation reveals that disputed information is incomplete or inaccurate, the credit bureau must promptly delete or correct the information. Based on this statute, I am requesting the immediate correction or removal of this account from my credit report.

Request for Action Conduct a thorough investigation into the reporting of this account.

Provide written confirmation of the results of the investigation.

Delete or correct the inaccurate information as required by law.

Send me an updated copy of my credit report reflecting these changes.

Notice of Intent for Monetary Damages Please be advised that if this matter is not resolved promptly and the inaccuracies are not corrected or removed, I reserve the right to pursue monetary damages as permitted under the FCRA. This includes actual, statutory, and punitive damages, as well as any applicable attorney fees.

Supporting Documentation I have enclosed copies of relevant documents to support my dispute, including : [ List any supporting documents, e.g., account statements, correspondence, or screenshots. ] Please consider this letter as a formal request for compliance with your obligations under the FCRA. I expect a response within the time frame specified by law ( 30 days from receipt of this dispute ).

Thank you for your prompt attention to this matter. I look forward to your resolution of this 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 2025-01-14 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: AR

Complaint narrative:
I previously disputed these accounts a XXXXXXXX XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$6300.00} Status Repossession/Never late. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$14000.00} Status Account charged off. {$21000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 
nd they not been removed.

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 2025-01-14 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: PA

Complaint narrative:
Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this formal complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to resolve inaccuracies on my credit report, Experian has neglected its legal responsibility to conduct a reasonable reinvestigation of disputed information, leaving harmful and inaccurate accounts unresolved.

# # # Summary of the Disputed Information 1. **Account Name/Number : ** [ XXXX XXXX, account ending in XXXX ] **Issue : ** Disputed charge-off status with inaccurate balance information.

Experian has failed to : - Correct or delete inaccurate or unverifiable information from my credit report.

These failures align with the systemic issues recently highlighted in the CFPBs lawsuit against Experian, such as the reliance on unreliable responses from furnishers and insufficient notification to consumers.

Impact of Experians Actions The unresolved inaccuracies on my credit report have caused significant harm to my financial standing, including : - Denial of credit opportunities.

- Increased interest rates and unfavorable loan terms. 
- Emotional distress caused by the prolonged and unresolved disputes.

Actions Requested : I request the CFPBs immediate intervention to : 1. Investigate Experians non-compliance with the FCRA.

2. Ensure the removal the disputed accounts listed above.

3. Impose penalties or corrective measures to address Experians systemic failures in handling consumer disputes.

# # # Supporting Documentation Enclosed are the following documents for your review : - Copies of dispute letters sent to Experian.

- Evidence submitted with my disputes ( e.g., account statements, correspondence with furnishers ). 
- Responses ( or lack thereof ) from Experian regarding my disputes. 
- Any additional evidence supporting my claims. 

Thank you for addressing this matter promptly. I trust the CFPB will take the necessary steps to hold Experian accountable for its violations and protect consumers from further harm. Please feel free to contact me for additional information or documentation.

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 2025-01-14 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on mt report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-01-15 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Date of 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 credit card accounts opened at 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 Personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXXXX And a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX balance of $ {$1900.00} that appears related to the aforementioned personal loan account opened XXXX XXXX XXXX XXXX collection account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX that appears related to XXXX XXXX with a balance of {$420.00} Also an collection account ( XXXX ) XXXX XXXX XXXX opened on XXXX. XXXX, XXXX that appears to be associated with XXXX XXXX XXXX XXXX XXXX  And other accounts XXXX opened on XXXX XXXX, XXXX XXXX opened on XXXX XXXX, XXXX with a balance of {$4400.00} XXXX opened on XXXX XXXX, XXXX with a balance of {$72.00} And all Hard inquires

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 2025-01-15 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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I was upset to find an unauthorized inquiry on my credit report. I tried refreshing my browser, but it stayed the same. I need this matter handled immediatelyplease carefully check the documents I provided so I no longer have to stress about this.

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 2025-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Today, XXXX XXXX I purchased an American Express gift card from a XXXX drugstore for {$190.00}. Ive checked my balance on their website to verify that the amount of {$190.00} is available and it is. I have tried to use my card online and in stores at several locations and it keeps getting declined. There is no customer service to talk to someone. They provide a number on the back of the card but it just gives your balance and list transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I received a notification on my credit report in XX/XX/XXXX that dropped my credit score a significant amount of points. I called the company listed, Transworld systems, to request more information as I was not informed of any unpaid debt. They verbally told me it was allegedly {$210.00} in application fees from apartment complex I had lived in from XX/XX/XXXX to XX/XX/XXXX and gave me a reference # and email to dispute the debt. I emailed them XX/XX/XXXX disputing the debt, citing required move-in fees with apartment letterhead and all my application fees with copies of the cashed ( by property ) checks. They then sent me a ledger by mail. On XX/XX/XXXX, I responded by email to the ledger sent by Transworld systems. After thoroughly reviewing the ledger, I find that it did not indicate any outstanding balance of {$210.00} or show any charges that would justify this alleged debt. The ledger provided by Transworld systems relates to charges from my move-out period, which is completely unrelated to the time frame in which the alleged application fees were incurred. There is no mention of any outstanding application fees in the documentation provided. The ledger is labeled as " revised, '' but there is no revision date or details regarding what was changed. This lack of transparency raises concerns about the accuracy of the ledger and its relevance to the alleged debt. I requested a fully detailed version of the ledger, including all revisions, dates, and the rationale behind any changes. 

I have not heard anything from Transworld systems and still see the charge on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are unauthorized inquiries from your company sitting on my credit report, and theyve been dragging down my score for some time now.

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 2025-01-14 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: PA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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