vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year> Dear CFPB Representative, I am filing this formal complaint against Experian for knowingly violating the Fair Credit Reporting Act ( FCRA ) by re-inserting a previously deleted collection account under a different collection agency without proper verification. 

Background of Experians Violations : 1. I previously disputed a fraudulent collection account from XXXX XXXX XXXX, which was removed from my credit report. 

XXXX. Experian has now reinserted this same debt under XXXX XXXX XXXX without legally required notification or verification. 

XXXX. Experian falsely verified the dispute within three days ( XX/XX/year>, to XX/XX/year> ) without providing proof. 

I previously filed a complaint with the CFPB regarding Experians practices, and the CFPB referred my case to the Federal Trade Commission ( FTC ), which resulted in the removal of other inaccurate accounts. However, Experian continues to engage in deceptive practices, acting as if it is above the law. 

FCRA Violations Committed by Experian : Illegal Reinsertion of Previously Deleted Accounts : Under FCRA 611 ( a ) ( 5 ) ( B ), Experian must notify consumers within five business days if a previously deleted account is reinserted. They failed to do so.

Failure to Provide Proper Verification : Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), I have the right to request detailed proof of verification, which they have not provided.

Pattern of Unlawful Behavior : Experian is already facing a lawsuit from the CFPB for these exact violationsre-inserting previously deleted accounts under different collection agencies without proper verification.

Immediate Action Requested : I demand that the CFPB take immediate enforcement action against Experian and require the following : 1. Complete removal of the XXXX XXXX XXXX account from my credit report within five ( 5 ) business days.

2. A full investigation into Experians unlawful reinsertion practices and a penalty for their repeated violations.

3. Written confirmation that Experian has removed this account from my credit file.

Legal Consequences if Not Resolved : If Experian fails to remove this account within five business days, I will : File a follow-up complaint with the
FTC for Experians continued noncompliance.

Pursue legal action against Experian for violating my rights under the FCRA.

Experians blatant disregard for federal law must be addressed immediately. I have already exhausted the dispute process, and they continue to act unlawfully. Please ensure this account is removed without delay. 

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We have paid our taxes and insurance for 20+ years and with only XXXX left on the mortgage we are moving towards having our house paid off in full. 

Extenuating health challenges with our daughter took us from the XXXX  at XXXX XXXX XXXX to the XXXX  XXXX XXXX where we finally got a diagnosisXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It took us months to get this XXXX  as it was our top priority. 

We had limited access to mail for several months and most of our payments were on auto deduct. In XXXX we saw the delinquency on our County Taxes. We had contacted them earlier and asked if we could do partial payments which we did. The County delinquency allowed us to pay {$1800.00} by XX/XX/XXXX. 

I paid all taxes on XX/XX/XXXX. The exception was County because it showed a XXXX balance. After a lot of research we found out that M & T paid the County and City Taxes on XX/XX/XXXX. They did not tell us of the date in which they were going to set up this account only that it was for XX/XX/XXXX. They did not call the County to see if there was a date given to us ( XX/XX/XXXX ) to pay remainder. These issues led to double payments on our account and an statement from M & T that we must establish a $ XXXX escrow and start paying over {$2100.00}, more than 3 times our monthly mortgage payment from XXXX XXXXongoing. 

We have asked for explanations for a full month and we have gotten the runaround on several occasions. My husband and I recently were told M & T was giving us a refund but others have said no. 

We need this to be resolved with escrow hold removed and refunds to be received. Our mortgage payment has always been {$770.00} and we would like that to remain while we continue to pay our own taxes and insurance.

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 2025-02-06 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: CA

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

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-02-06 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: IL

Complaint narrative:
Instead of redacting the collections as the attached letter directs, Experian has added collection remarks for XX/XX/XXXX and XX/XX/XXXX. Experian must DELETE all notes of collections for XXXX in accordance with this letter from 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 2025-02-06 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: IL

Complaint narrative:
am writing to formally dispute the accuracy of the following account ( s ) listed on my credit report, which Experian has failed to properly investigate or validate as required under the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) **. 

**Account in Dispute : ** - **Creditor Name : ** XXXX XXXX  - **Account Number : ** XXXX - **Reason for Dispute : ** This account is not mine, I submitted a dispute to Experian regarding the above account*. Despite your legal obligation under **FCRA 611 ( a ) ( 6 ) ( B ) ** to conduct a reasonable investigation and provide me with written results, including a description of the procedure used to determine the accuracy of the disputed information, Experian has : 1. **Failed to adequately investigate** the dispute, as evidenced by ** [ describe outcome, e.g., no changes to the account or no response ] **.

2. **Refused to provide documentation** or a detailed explanation of how the account was verified, violating **FCRA 609 ( a ) ( 1 ) **, which entitles me to all items of information in my file at the time of the request.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have an account and unauthorized transactions are always getting took out of my account. I keep trying to dispute these transactions as well its been happening for years and I keep ordering a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX of XXXX  Citi Credit Card attempted to take payment for the full balance on my credit card at that time in the amount of {$11000.00}. I had automatic payments setup to pay the minimum amount so that I did not miss any payments. I have an email from Citi Credit Card dated XX/XX/year> showing a payment amount of {$0.00} because my minimum payment had already been met ( I made a payment of {$1000.00} on XX/XX/year> which was more than my minimum required ). When the {$11000.00} payment was returned from my bank for insufficient funds, Citi Credit Card closed my account. When I learned about this issue, I immediately called Citi Credit Card customer service and was told that I 90 days to redeem my rewards points ( approximate cash value of {$3800.00} the last time I had checked ). I tried to have my account re-opened as I had been a customer for 7 years and wanted to keep the card. Citi Credit Card would not re-open the account and then removed all of the rewards points I had earned. Again I called customer service and was told to send a letter and call back in 30 days. I sent a certified letter and did not receive a response. I called somewhere between 8-10 times over the next 60-90 days and have received no response. As of today, they have told me there is nothing that can be done.

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 2025-02-06 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-06 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Beginning in XX/XX/year>, Care Credit, a subsidiary of Synchrony Bank, began adding a {$1.00} fee to customers ' bills who prefer receiving paper billing statements. I'm " old-school '' and prefer receiving a paper billing statement from my creditors and utility companies. No other company that I heard of or that I have business with charges this fee. I think that it is preposterous for a company to charge customers a fee like that. It does not cost {$1.00} to print, mail and process a paper statement and check. This is a new 'junk fee ' that has been created, like the ones that the Biden administration eliminated. Please contact this company and have them to remove the fee. Thank you.

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 2025-02-06 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: PA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my XXXX score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX 2025 RE : Transunion XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Investigation and Verification of Accounts Dear CFPB, I am writing to formally dispute the accuracy and completeness of certain items on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into the following accounts to verify their accuracy and validity.

The accounts in question are : 1. XX/XX/XXXX acct XXXX 2. XXXX acct XXXX 3.XX/XX/XXXXXX/XX/XXXXacct XXXX 4. XX/XX/XXXX XXXX XXXX acct XXXX 5. XXXX XXXX acct XXXX. 
6. XXXX XXXXXX/XX/XXXXacct XXXX 7. XXXX acct XXXX. 
8. XX/XX/XXXX/ Imagine acct XXXX 9. XXXX XXXX acct XXXX My personal information that needs to be corrected and updated is as follows : My current address is : XXXX XXXX XXXX XXXX MI XXXX As well as. 

I have never worked for XXXX XXXX XXXX This needs to be deleted from my credit report. 

I have reviewed my credit report and believe these accounts contain errors or inaccuracies. I request that you investigate these items, verify their legitimacy, and provide me with documentation supporting their accuracy. If you can not verify the accounts as accurate and complete, I request that they be removed from my credit file immediately. 

For your reference, I have attached copies of my credit report with the disputed accounts and beginning account numbers, as well as any supporting documentation. Additionally, I have enclosed a copy of my identification and proof of address to verify my identity. 

Please provide me with the results of your investigation in writing. If any changes are made to my credit report, I request that you send me an updated copy of my report reflecting those corrections.

I appreciate your prompt attention to this matter and look forward to your response within the 30-day timeframe allowed by law. If you require any additional information, please contact me at the phone number or email listed above. 

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