vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
i need your help in a serious matter regarding my credit report. After reviewing my credit, i noticed the agency AMERICAN EXPRESS is reporting inaccurate information that is damaging my credit report. XX/XX/year> was there last report date of the amount of {$3600.00} ive contacted this company to provide me with the documents that this report belongs to me but every time i do they either hang up on me or say they will email me which i never receive anything. Please help resolve this issue as it is affecting my report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone fraudulently opened an account with Capital One on XX/XX/year> in the amount of {$500.00} an added me fraudulently as an authorized user. I called capital one once I noticed this information and told them that I never have authorized anyone to add me to any accounts nor add me as an authorized user. I then asked for the account holders information so that I could report this matter to the local authorities and I was denied information. I asked them to remove me from this account where my personal information was being used there response was no. I've disputed this matter with XXXX, XXXX and XXXX and this matter hasn't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, as added XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX were contacted and noticed to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant, regarding an alleged XXXX XXXX debt. 

The claim by XXXX XXXX XXXX XXXX XXXX. was to be checked for requisites and immediately removed from reporting of only factually true, complete, timely, validated and certified allegations. This original Notice was received XX/XX/year>. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX failed to provide any of the requested information. 

This is an account that was previously removed from reporting to my personal credit profile, as I C SYSTEM INC. This alleged debt was also previously removed from my credit profile when listed as the XXXX XXXX. Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete Metro XXXX Format compliance XXXX reporting. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified Metro XXXX XXXX reporting. 

XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 's are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against XXXX ( case XXXX ) you also violated my Consumers Rights And Privacy under the XXXX, XXXX and XXXX.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.

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 2025-01-24 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: IL

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. 
Im bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined and 15 U.S. code 1666B under the billing error category ; ( 4 ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ratifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore. 

The failure to correct or remove this information after my attempts to resolve it is in violation of my obligations under the Fair Credit Reporting Act ( FCRA ), As recently highlighted in the and the Consumer Financial Protection Bureau ( XXXX ) lawsuit against XXXX ( case XXXX ) you also violated my Consumers Rights And Privacy under the XXXX, XXXX and XXXX.Im a victim of the latest Data Breach. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I told public records that my information need to be updated my phone number my address my email address they never did remove my old information but they never responded

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
they are harassing me with calls its seriously messed up idk who it is but needs to be haulted immediately. 7 times in 2 days is sickening ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CL Holdings LLC
State: FL

Complaint narrative:
My claims where not properly investigated and they were withholding my ability to see my overall credit report. 
No explanation was given in the results of any finds XXXX XXXX XXXX XXXX {$540.00} Jefferson capitol. {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I have asked Transunion to fix the errors on my credit report I understand there are laws and rules but it is hurting me from moving forward.

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 2025-01-24 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: PA

Complaint narrative:
i received a notice from Experian that a account that does not belong to me was placed in collections XXXX XXXX XXXX, this is fraud this account does belong to me, please investigate this for me and delete from my Experian report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: DE

Complaint narrative:
XXXX XXXX XXXX has placed Account info Account number XXXX on my credit file, despite me sending proof from another incident in which my credit was compromised, they have refused to remove this incorrect listing and Experian has failed to properly investigate my complaint and correct my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX RE : XXXX Complaint # XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX I am I receipt of a generic response from XXXX XXXX which has failed to address several issues that I have presented and leaves more questions to be answered : as to the continued mistaken and intentional reporting on my credit file. The contract is the same information that was presented in court as XXXX XXXX XXXX used during a trial XX/XX/XXXX, during which Judge Chambers found that I in fact was not the correct party and dismissed the action with prejudice. You said that my requested fraud investigation was closed the same day and declined due to me having received funds. As you are aware internet identity theft is common, and I have been notified on multiple occasions that my information has been compromised. To bolster your claim of funds being received, 1. I am requesting proof of transaction of funds received 2. If the account was charged off, did you send me a 1099c? 3. You have stated that several applications were made by me for loans prior to, during, and after the alleged loan was opened by me, XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX. What were your investigative methods to reach your determination? Please supply evidence that in fact I was the individual as I expect a thorough and satisfactory response. evidence that in fact I was the individual, as it is not logical that I would make five applications, while allegedly having an open loan. I do however have proof that the XXXX XXXX made a deliberate effort to inquire on my credit report consistently since XX/XX/XXXX, I am attaching to this document. ALL evidence of these soft inquiries by XXXX XXXX were removed XX/XX/XXXX, which is six days after I sent my complaint to the XXXX. 
As I am sure you are aware, under the Fair Credit Reporting Act ( FCRA ), I have a right to the fair and accurate reporting of my credit information. I am also entitled to certain privacy rights concerning your credit information and protection from the misuse of my credit data. 
If someone violates my rights under the FCRA, I have several remedies available. Those remedies might include actual damages, punitive damages, attorneys ' fees, and costs. The type of remedy will depend on whether the violation was intentional or negligent. 
I look forward to a positive resolution to this egregious situation. 

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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NV

Complaint narrative:
I have had a CHIME account for about a year now, I got it due to its many benefits. Unfortunately, that does not outweigh the bad. One of the benefits were for international travel and having no fees. My card worked great up until the day before my last day of the trip. It had gotten blocked. Normally you would receive a text to verify if it was you. I am opted in and its confirmed by chime for texts. All my information is updated and correct as well as my phone, apps. I had immediately called & went through every troubleshooting offered to me. They had said my card was active, but I was not able to pull out any funds or use my card in any way. I am however able to receive money, but that does me no justice. I was then told I had no further options for troubleshooting and they would have to escalate it further with an email. This all started XX/XX/year>. I had never received an email back, everytime you call you pretty much start over. With anything, they say they document, but then Im having to go through the same steps I know isnt going to work. On XX/XX/year>, I called back and was informed they never actually submitted to the next chain and had to do it again & to not use my card for XXXX hours cause there card is active, but there is a block. I put a freeze on my card through the app, but I can not go through all my automatic purchases and bills to stop from coming through. I finally get an email asking me if everything is updated once again and if my app is working and I dont get confirmations on suspicions on my account through the app, so it feels like they are sending me in circles. The texts arent going through to my number even thought I send START to the text and it says Im opted in, but I dont receive anything for my account any further. It seems like they have no actual help and my account is blocked unless I get these texts but they just dont go through. Its quite frustrating. It is now XX/XX/year> going onto the next day I still have no access to my funds. Unfortunately I made the biggest mistake by using this company at all & making it my primary. 
Im going to get late fees and behind on my rent and all my bills now thanks to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to 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 2025-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
Mercedes Benz Finance This letter serves as a formal notice regarding the inaccurate reporting of the above-referenced account on my credit report. It has come to my attention that this account has been reported as a charge-off, yet it continues to reflect a balance. This inconsistency violates my rights under federal consumer laws, specifically the Fair Credit Reporting Act ( FCRA ) and 15 USC 1692.

According to the FCRA, only accurate, complete, and verifiable information may be reported on a consumers credit file. Reporting this account as a charge-off while simultaneously listing a balance is both misleading and damaging to my credit score. Furthermore, this may constitute an unfair and deceptive practice, as a charge-off is considered a loss to the creditor and should not be simultaneously
reported as outstanding debt.

Additionally, I have never received a 1099-C form to account for this debt as income, which raises further concerns about the legal and procedural handling of this account. If the debt has been charged off and forgiven, as reported, it can not legally remain as a balance affecting my credit report. Income from charge-offs is not to be reported on my credit file, as it misrepresents my financial obligations.

I demand the following actions be taken immediately : Reinvestigate and correct the reporting of this account to reflect accurate and lawful information. 
Provide all documentation and verification, including original account agreements, statements, and correspondence, demonstrating the validity of the balance and charge-off status. 
Explain why a balance is still reported if the account is noted as a charge-off. 
Permanently delete this account from my credit report if the information can not be fully verified or corrected. 
Please treat this letter as a formal request under 15 USC 1692c, the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable federal laws. Continued inaccurate reporting and failure to address these concerns will be considered a violation of my consumer rights, and I will pursue all necessary legal remedies. 

I expect your agency to resolve this matter and provide me with written confirmation of your findings and actions within receipt of this letter. 

Thank you for your immediate attention to this matter. Should you have any questions or require further details, I am reachable at the contact information provided below.

Company response to consumer: Closed with explanation