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: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. My credit was used to fill out multiple Applications for a sallie Mae loan, which I did not authorize. 
The inquiries I am referring to are as follows : 1. Sallie Mae B XXXX XXXX, 2024 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear to me that these inquiries do not meet those requirements and, therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. I request that you investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to express my concerns regarding Zelle handling of disputes. In the light of 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 receiving lost fund were impossible and that tracking these transactions was in XXXX. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unaccompanied and raises serious covers about consumer safety

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: CITIBANK, N.A.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. I am reporting the inappropriate use of my credit card. 

The inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX, 2024 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an investigation can only be made on my credit report when I provide consent or in certain other circumstances. It is clear that these inquiries do not meet those requirements and, therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. Please investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions. 

If you can not remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation. 

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, This letter formally disputes the accuracy of certain information appearing on my credit report, a copy of which is attached for your reference. I request that you conduct a full reinvestigation under the provisions of 15 U.S. Code 1681i. 
Specifically, I assert that the following items under Experian are inaccurate or unverifiable : XXXXXXXX XXXX XXXXXXXX Account Info : Account Number : XXXX Balance : {$51000.00} Open/closed : Open Date opened : XX/XX/XXXX _______________________________ XXXX XXXX  XXXX Account XXXX : Account Number : XXXX Balance : {$1200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXXXXXX XXXX Account Info : Account Number : XXXX Balance : {$8200.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$8100.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX  Account Info : Account Number : XXXX Balance : {$5600.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX Account Info : Account Number : XXXX Balance : {$4800.00} Open/closed : Closed Date Opened : XX/XX/XXXX _______________________________ XXXX XXXX XXXX Account Info : Account Number : XXXX Balance : {$410.00} Open/closed : Closed Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Info : Account Number : XXXX Balance : {$850.00} Open/closed : Closed Date XXXX : XX/XX/XXXX 2020

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I believe the account is invalid. PORTFOLIO RECOVERY ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listedi tem then I require the account to be removed from my credit & their records. 

PORTFOLIO RECOVERY ASSOCIATES 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: MI

Complaint narrative:
I noticed XXXX and Experian furnishing illegal information on my consumer report. There are late payments reflected on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. There are also Charge offs being reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Congress states that late payments are excluded from being reported per 15 U.S. Code 1681a. Therefore, these furnishings are illegal and bearing on my credit worthiness.

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: Westlake Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX. XXXX, 2023 in the amount of XXXX. Requested a dispute for un-accurate information put {$4000.00} down on car tried claiming fraud through company did nothing and the payment amount owe is inaccurate. The company sold a lemon car to me l voluntarily gave repossession of the vehicle and the company still refused to repossess it in timely manor and reported non payment months latter credit report is not accurate at all. Ask the debt collector must cease all communication about the debt and they failure to due so ( this includes debit reporting ) | am filing a complaint against XXXX, XXXX and XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX, XXXX and XXXX consistently responds within XXXX 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, XXXX and 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 No. 2025-CFPB- 0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX and XXXX complies with federal law and provides consumers with the necessary proof of investigation. I'm also requesting to have this removed with in 24 hour period if not pursuing to file a litigation.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/XXXX. This item was deleted from the credit file on the subsequent credit report of XX/XX/XXXX. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item.

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer & XXXX XXXX ; XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( XXXX }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & XXXX XXXX XXXX XXXX file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app! There was no agent available to speak with regarding me being scammed and how to get my money back! I just lost money and wasnt able to contact anyone or get my money back

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: TX

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$980.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, XXXX XXXX XXXX ( issued by Comenity Capital Bank in XXXX, OH ) charged me an incorrect interest fee on my XXXX XXXX statement. The amount was {$220.00}. 

This charge is incorrect because on XXXX XXXX, XXXX, I made a FULL payment, which was 19 days before it was due. Hence, the account balance was at {$0.00} on XXXX XXXX, XXXX. 

On XXXX XXXX, a FULL day AFTER the acct was reduced to {$0.00} balance, I began to make NEW purchases for XXXX. 

Since the NEW purchases were made AFTER a {$0.00} balance was in place, it is NOT right for Comenity to assess interest on the new purchases. 

Had I not fully paid off the previous carried-over balance on XXXX XXXX, and I still proceeded to make more purchases, then I should pay interest on those new purchases as well. Again, the new purchases were made, starting from a {$0.00} balance. 

I want Comenity to REFUND me the {$220.00} interest charge, PLUS a 7 % XXXX ( current prime rate ) on this money that they shamefully took from me. 

( Please see attached statement w/ some info blurred out ) Thank you for your time and help! 

Best regards, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my XXXX charge card account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under the provisions of 15 USC 1666b, which prohibits a creditor from treating a payment as late unless the required information, as specified in section 1637b, has been properly sent. The law clearly stipulates that a creditor may not treat a payment as late for any purpose unless they have provided the information as outlined under section 1637b at least 21 days before the due date. 
Upon reviewing the account details provided, I have identified the following discrepancies : Late Payment Reporting : The payment history inaccurately lists late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these records are incorrect, as payments were either made on time or terms were otherwise met. Please review your records and provide evidence to substantiate these claims. 
Account Status : The account status is listed as " Paid, Closed '' as of XX/XX/XXXX. If the late payment records are found to be inaccurate, the account status should also be updated to ensure it reflects a positive payment history. 
Under the FCRA, you are required to ensure that the information you report is accurate and complete. Additionally, per 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into my dispute and correct any inaccuracies identified.

I respectfully request that you investigate these matters and provide a written response with the results of your investigation within 30 days, as mandated by law. I

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my XXXX charge card account XXXX XXXX under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, under the provisions of 15 USC 1666b, which prohibits a creditor from treating a payment as late unless the required information, as specified in section 1637b, has been properly sent. The law clearly stipulates that a creditor may not treat a payment as late for any purpose unless they have provided the information as outlined under section 1637b at least 21 days before the due date. 
Upon reviewing the account details provided, I have identified the following discrepancies : Late Payment Reporting : The payment history inaccurately lists late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I believe these records are incorrect, as payments were either made on time or terms were otherwise met. Please review your records and provide evidence to substantiate these claims. 
Account Status : The account status is listed as " Paid, Closed '' as of XX/XX/XXXX. If the late payment records are found to be inaccurate, the account status should also be updated to ensure it reflects a positive payment history. 
Under the FCRA, you are required to ensure that the information you report is accurate and complete. Additionally, per 15 U.S.C. 1681i, you are obligated to conduct a reasonable investigation into my dispute and correct any inaccuracies identified.

I respectfully request that you investigate these matters and provide a written response with the results of your investigation within 30 days, as mandated by law. I

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