vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Euifax consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 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 Experian complieswith federal la and provides consumers with the necessary proff of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
CORRECT NAME : XXXX XXXX CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THERE IS INCORRECT AND FRAUDULENT INFORMATION ON MY CREDIT REPORT SUCH AS NAME ( XXXX ) AND ADDRESS ( ES ) THAT CREDIT BUREAUS MUST REMOVE FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
CORRECT NAME : XXXX XXXX CORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THERE IS INCORRECT AND FRAUDULENT INFORMATION ON MY CREDIT REPORT SUCH AS NAME ( XXXX ) AND ADDRESS ( ES ) THAT CREDIT BUREAUS MUST REMOVE FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NJ

Complaint narrative:
Experian, TransUnion and XXXX are reporting unverifiable bankruptcies on my credit report and violating the reporting requirements that do not comply with FCRA 611 ( 15 U.S.C. 1681I ). I have recently been informed that there is negative information reported by US BANKRUPTCY COURT NEW JERSEY XXXX in the files they maintain under my Social Security number. Upon ordering a copy of my credit report from each, I see XXXX entries from this court listing with Reference filed on XX/XX/XXXX and XX/XX/XXXX. The entry filed XX/XX/XXXX and XX/XX/XXXX with this court appears to be inaccurate. 
I sent a letter to each bureau on XXXX and XXXX XXXX requesting to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. I have not received any correspondence or update to my credit report. These credit bureaus indicate on the credit reports they verify their information with XXXX. I had requested same with XXXX to which they responded with a letter stating they had reviewed the information from their bankruptcy records and determined the data in question has been removed and their files have been updated after conducting research with their source, XXXX. They also updated my credit file showing the deleted bankruptcy records.This negative reporting has ruined my credit, now have no credit score, was rejected when I applied for an apartment rental and security deposit bond in XX/XX/XXXX and prevented me from getting any other credit, loan or purchasing a new home.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: NJ

Complaint narrative:
XXXX, XXXX and LCI are reporting unverifiable bankruptcies on my credit report and violating the reporting requirements that do not comply with FCRA 611 ( 15 U.S.C. 1681I ). I have recently been informed that there is negative information reported by US BANKRUPTCY COURT NEW JERSEY NEWARK in the files they maintain under my Social Security number. Upon ordering a copy of my credit report from each, I see XXXX entries from this court listing with Reference filed on XX/XX/XXXX and XX/XX/XXXX. The entry filed XX/XX/XXXX and XX/XX/XXXX with this court appears to be inaccurate. 
I sent a letter to each bureau on XXXX and XXXX XXXX requesting to please verify and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. I have not received any correspondence or update to my credit report. These credit bureaus indicate on the credit reports they verify their information with XXXX. I had requested same with XXXX to which they responded with a letter stating they had reviewed the information from their bankruptcy records and determined the data in question has been removed and their files have been updated after conducting research with their source, XXXX. They also updated my credit file showing the deleted bankruptcy records.This negative reporting has ruined my credit, now have no credit score, was rejected when I applied for an apartment rental and security deposit bond in XX/XX/XXXX and prevented me from getting any other credit, loan or purchasing a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

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 2025-02-09 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: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-09 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. Employers : XXXX XXXX XXXX XXXX XXXX. Employers : XXXX XXXX XXXX. Employers : XXXX XXXX The late payment listed is inaccurate. The creditor failed to accurately report my payment history and this error violates 15 U.S.C. 1681e ( b ) which requires maximum accuracy in reporting consumer credit information. 

XXXX LLC Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. The late mark should be removed. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account XXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should remove XXXX. XXXX XXXX Account NumbeXXXX : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it 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 2025-02-09 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: IL

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 funds was impossible and that tracking these transactions was infeasible. 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 2025-02-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
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 2025-02-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1600.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 

I am requesting a thorough investigation into these items, as they are not reported accurately. 

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. 

I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
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 non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I purchased my vehicle on XX/XX/year> and the very next day I called and stated that Ive never received the paperwork in regards to the purchase and they stated that they would email it over to me. They never did. I called again and never received the information. I also text the sales rep in regards to it again never received it. I received another email stating that my payment have changed and I look to see that it is well over {$4000.00} more than what I initially signed for. I have emailed again as as of today, XX/XX/year> and received another email stating that someone would be sending it to me. I still have yet to receive it. The fact that the initial loan that I signed for was for {$13000.00} and now showing a purchase price of XXXX almost {$19000.00} is absolutely insane. With no paperwork to show for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NM

Complaint narrative:
Today I just received a letter posted XX/XX/year>. 
Company name American Coradius International LLC. 

According to this letter that only contain XXXX front page, XXXX have a no date when was sent on postage, Meaning USA Postal Service can tell were it was sent from it show I have a amount do of {$390.00} I owed. 

Also it show that Amount due is {$390.00} but Collection also show {$390.00} totaling a full amount of {$790.00} XXXX ) What was purchase? 
XXXX ) Name Retailer? 
XXXX ) Why does the Retailer Have My Address? 
XXXX ) When was last Retailer Contact me on this issues. 
XXXX ) What method of used did the Retailer Used to contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX Home Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX The following personal information is incorrect XXXX. XXXX XXXX XXXX. Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX. Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Employers : XXXX XXXX The late payment listed is inaccurate. The creditor failed to accurately report my payment history, and this error violates 15 U.S.C. 1681e ( b ) which requires maximum accuracy in reporting consumer credit information. 

XXXX XXXX  Account Number : XXXX This account has been misreported as late. Payments were made as agreed upon, and this must be corrected. 

XXXX. XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

XXXX. XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This late payment occurred during a documented financial hardship, which was communicated to the creditor. The late mark should be removed. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open collection account with a limit. 

XXXX. XXXX XXXX  Account XXXX : XXXX Please remove it 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 2025-02-09 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-09 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: MD

Complaint narrative:
a company named XXXX XXXX has a inquiry on my report. i did not authorize this company to pull my credit report. this must be a phishing attempt. this was not me please remove this false information.

Company response to consumer: Closed with explanation