vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : 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 2025-01-10 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-10 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
They have failed to supply the demanded proof of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have fallen victim to identity theft, and my Social Security number and personal information have been compromised in a data breach. I promptly notified Experian, XXXX, and XXXX. submitted my ID and a detailed letter as instructed. Despite following their guidelines, my credit report remains unchanged. I also filed an identity theft report With FTC and sent it to them, yet the inaccurate information persists and is damaging to my financial well-being not only all XXXX credit reports should match none of them matches or have the same information. U.S. Code 1681a ( 2 ) ( AXi ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. I've noticed that XXXX shows an account balance of {$20000.00}, along with a XXXX XXXX account in the amount of XXXX This information was included in my identity theft report. I strongly urge Experian, XXXX, and XXXX to rectify this situation and ensure that my credit report reflects accurate, fair, and complete information. Please remove these false entries. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

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 2025-01-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Credit Reporting Agencies Violation of 15 U.S.C. 1681a Dear CFPB, I am submitting this formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, by the credit reporting agencies XXXX, TransUnion, and XXXX. 

The issue concerns inaccurate reporting of an account issued by XXXX XXXX XXXX. On [ specific date ( s ) ], I identified discrepancies in my credit report that persisted despite my attempts to resolve the matter.

Details of the Dispute : 1. Account History : The XXXX XXXX account in question was in good standing, with no late payments recorded for over XXXX year. I provided documentation to all three credit reporting agencies ( CRAs ) confirming this fact. 


XXXX. Removal of the Account : XXXX, TransUnion, and XXXX removed the account from my credit report after my disputes. However, XXXX XXXX states in their response that the account was accurately reported, creating conflicting information. 


3. Violation of 15 U.S.C. 1681a : The CRAs failed to ensure the maximum possible accuracy of my credit report, as required under the FCRA. This ongoing issue affects my ability to secure credit and reflects a failure to properly investigate and correct errors. 



Supporting Evidence : The XXXX XXXX response letter dated XX/XX/year>, indicating the account 's closure and credit balance refund. 

Correspondence with XXXX, TransUnion, and XXXX showing their removal of the account. 

Documentation confirming my account with XXXX XXXX was in good standing, with no late payments. 


Request for Action : I request the CFPB investigate the CRAs for the following violations : 1. Failing to report my credit information accurately, as required under 15 U.S.C. 1681a.

2. Failing to conduct proper reinvestigations of my disputes, as outlined in 15 U.S.C. 1681i. 



I also request that my credit report be corrected to reflect the accurate and consistent reporting of my XXXX XXXX account. 

Thank you for your attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely,

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 2025-01-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Credit Reporting Agencies Violation of 15 U.S.C. 1681a Dear CFPB, I am submitting this formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, by the credit reporting agencies Equifax, XXXX, and XXXX. 

The issue concerns inaccurate reporting of an account issued by XXXX XXXX XXXX. On [ specific date ( XXXX ) ], I identified discrepancies in my credit report that persisted despite my attempts to resolve the matter. 

Details of the Dispute : 1. Account History : The XXXX XXXX account in question was in good standing, with no late payments recorded for over one year. I provided documentation to all three credit reporting agencies ( CRAs ) confirming this fact. 


XXXX. Removal of the Account : Equifax, XXXX, and XXXX removed the account from my credit report after my disputes. However, XXXX XXXX states in their response that the account was accurately reported, creating conflicting information. 


XXXX. Violation of 15 U.S.C. 1681a : The CRAs failed to ensure the maximum possible accuracy of my credit report, as required under the FCRA. This ongoing issue affects my ability to secure credit and reflects a failure to properly investigate and correct errors. 



Supporting Evidence : The XXXX XXXX response letter dated XX/XX/2025, indicating the account 's closure and credit balance refund. 

Correspondence with Equifax, XXXX, and XXXX showing their removal of the account. 

Documentation confirming my account with XXXX XXXX was in good standing, with no late payments. 


Request for Action : I request the CFPB investigate the CRAs for the following violations : 1. Failing to report my credit information accurately, as required under 15 U.S.C. 1681a.

2. Failing to conduct proper reinvestigations of my disputes, as outlined in 15 U.S.C. 1681i. 



I also request that my credit report be corrected to reflect the accurate and consistent reporting of my XXXX XXXX account. 

Thank you for your attention to this matter. Please do not hesitate to contact me at [ your phone number ] or [ your email address ] if additional information is needed. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
NOTICE # 2 Sent certified mail letter XX/XX/XXXX SECURITY CREDIT SERVICES Received my letter XX/XX/XXXX SECURITY CREDIT SERVICES never responded via mail with any documentation. 

On XX/XX/XXXX, SECURITY CREDIT SERVICES removed the collection from my report and, within minutes, the same day, XX/XX/XXXX put it back on my report illegally. This is negligent and non-compliant, and they will be liable for violation and will intend to sue. I have a fraud FTC Affidavit to prove this account is fraudulent as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ) and TRANSUNION File Number : 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ) and XXXX File Number : 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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I received a text message from phone number ( XXXX ) XXXX from XXXX  fraud alert asking if I had authorized a Zelle payment of {$2000.00}. I replied no. This generated a phone call to me from this same number. They told me I had to take certain steps to reverse the Zelle payment. I was skeptical, but followed instructions on how to get my money back. Within an hour, I called XXXX and reported that I had been scammed. I filed a claim with the fraud department the same day and was told I would get my money back. They asked me if I sent it to myself at another account to which I replied that I have no other bank account with XXXX  or another bank, other than an XXXX account through XXXX. ( On my bank statement, it also shows that it went to XXXX XXXX ) I followed up the following week and was told that the claim was closed and I had received a letter electronically, see attached referring to claim number # XXXX saying that no action would be taken and the inquiry is now resolved. I tried to reopen a claim today through XXXX, and was told it was not possible. I have tried for XXXX months to contact Zelle and have never been able to file a claim through Zelle, but have requested that someone contact me about me filing a claim. I am aware of the CFPB lawsuit with Zelle and am familiar with XXXX XXXX I just want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ) and XXXX File Number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : NONE Employers : XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : NONE Employers : XXXX XXXX  I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX account ending XXXX, I upload XXXX  on my cell XXXX It does not allow me to see the full acount number. I have {$16.00}, I am trying to use all {$16.00} for XXXX, XXXX XXXX XXXX XXXX since I know it will expire on XX/XX/year>. 
The card did not allow me to use {$16.00}, it only charged {$1.00} for XXXX  on XX/XX/year> I am trying to use the left over {$15.00} on these store from XXXX XXXX The card did not allow, I called them many times, they did not resolve. 
They used the above to expire my card and steal {$15.00}.

Company response to consumer: Closed with explanation