vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}. 
2. US Department of Education {$2800.00} 3. US Department of Education {$2500.00}. 
4. XX/XX/XXXXXXXXXX/XX/XXXX {$6700.00} XXXX. XXXX XX/XX/XXXX XXXX {$15000.00}. 
6. XX/XX/XXXX {$980.00}. 
7. XXXX XXXX XXXX {$740.00}. 
8. XXXX XX/XX/XXXX {$1500.00}. 
9. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation.

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.

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 2025-01-22 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: PA

Complaint narrative:
Today, I came across some inaccurate accounts on my credit report, and I have no idea how they ended up there. I usually check my report without issues, but this time, I found discrepancies that were completely unexpected. I even refreshed the page to check if it was a temporary glitch, but the incorrect accounts persisted. Because of this, I kindly request a thorough examination of the documents I have provided to ensure I no longer have to deal with this concern.

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 2025-01-22 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.

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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last six months, or the last two years of employment purposes.

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the reporting of a charge-off on my credit report. Upon reviewing my credit file, I noticed that the account listed underXX/XX/XXXX with account number # XXXX opened on XX/XX/scrub>/2020 still shows a balance. According to the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate and verifiable. As you are aware, once an account is charged off, the creditor should not continue reporting a balance unless the balance has been paid in full or settled. The continued reporting of this charge-off with an outstanding balance is misleading and violates my rights under the FCRA. Please be advised of the following : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that is inaccurate or incomplete. Section 611 ( a ) ( 1 ) of the FCRA also mandates that credit bureaus investigate disputed information and correct or remove any inaccuracies within 30 days. 2. Fair Debt Collection Practices Act ( FDCPA ) : If this account is being managed by a collection agency, please ensure that they are also in compliance with the FDCPA, which prohibits misleading or false representations regarding the amount or legal status of a debt. I am requesting that you investigate this charge-off, correct the balance reported, and provide me with documentation verifying the accuracy of this charge-off. If the creditor is unable to substantiate the balance or the charge-off status, I request that the balance be removed from my credit report entirely. Please send me written confirmation that this dispute is being investigated, and that the necessary corrections will be made in accordance with the law. Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-22 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: TX

Complaint narrative:
XXXX XXXX violated under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX violated under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FactorTrust, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 1. XXXXXX/XX/XXXX DELAWARE ( Account # : ... XXXX ) 2. XX/XX/XXXX ( Account # : ... XXXX ) 3. XXXX XXXX XXXX ( Account # : ... XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to inquire about a recent data breach. It was determined my personal information was impacted by this incident. reference 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 2025-01-22 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: CT

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-22 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: AR

Complaint narrative:
I bought an item through XXXX paid with the app cash app. Never received my purchase. Contacted cash app support and they said there was nothing they could do for a refund. Not even a stop payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
XXXX XXXX I am 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally dispute the incorrect reporting of a collection account on my credit report related to the Apple Card/GS Bank USA , which begins with XXXX. Despite my recent dispute with XXXX, I received an email from them within two hours stating that the account will remain on my credit report, indicating that no changes will be made. I believe this action violates both the Fair Credit Reporting Act ( FCRA ) and other applicable regulations under U.S. law, and and I am seeking your assistance in rectifying this issue. 

Key Issues : Charge-Off Status : The account was charged off as of XX/XX/year>. However, I was not provided with a Form 1099-C or any other official documentation confirming this charge-off. As per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), I believe I am entitled to receive proper notification of the charge-off, and failure to do so constitutes a violation of my rights. 
Inaccurate Reporting : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to a complete and accurate report of all information maintained by the credit reporting agencies. The fact that XXXX has refused to correct the error, despite my request, suggests that they are not fulfilling their obligations to report accurate information. 
Request for CFPB Action : I respectfully request that the CFPB investigate this matter and require the reporting agencies ( XXXX, XXXX, and XXXX ) to rectify this issue by removing or updating the inaccurate collection from my credit report. The failure of these agencies to provide accurate information, and their refusal to correct the error after my dispute, is in direct violation of the law. 

Furthermore, I ask that you investigate whether I have been denied my legal right to receive a Form 1099-C as required under applicable tax laws for the charge-off of this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 ).

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 2025-01-22 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 ).

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 2025-01-22 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: MI

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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
Please see attached documentation I am demanding for Caine & Weiner to cease and desist collection efforts, and cease from reporting to the consumer report as I didn't receive notice of the debt within 5 days. Nor did I give Caine & Weiner consent to speak to me in regards to this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Equifax and XXXX putting the wrong information on my credit report when disputing nothing gets corrected,, I believe they never looked into to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, TransUnion has failed to acknowledge or resolve the issue. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. 

The following inquiries were unauthorized and must be removed from my credit report : 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 XXXXXX/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 2025-01-22 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: MI

Complaint narrative:
Date TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Credit Report Errors Dear TransUnion Dispute Department, I am writing to formally dispute the inaccuracies on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Specifically, I bring the following issues to your attention : Unresolved Identity Theft Report : On XXXX XXXX, I provided TransUnion with a copy of an Identity Theft Report filed with the FTC, as well as supporting documentation, requesting the removal of fraudulent accounts from my credit report. Despite your acknowledgment of this report, these fraudulent accounts remain on my report in clear violation of FCRA guidelines under 15 U.S.C. 1681c-2. 

Inconsistent Reporting and Deletion Confirmation : On XX/XX/XXXX and XX/XX/XXXX, I received correspondence from TransUnion confirming the deletion of certain accounts and inquiries. However, upon reviewing my credit report dated XX/XX/XXXX, these accounts and inquiries are still listed. This inconsistency demonstrates either a processing error or willful non-compliance with FCRA obligations to ensure accurate and timely updates to consumer reports. 

Bankruptcy Information Misreporting : TransUnion has stated that it verified and validated bankruptcy information as accurate. However, I have obtained a letter from the U.S. Bankruptcy Court confirming that it does not provide data to any credit reporting agencies. This misrepresentation is a direct violation of the FCRA u

nder 15 U.S.C. 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum accuracy. I have attached copies of the following for your reference : FTC Identity Theft Report U.S. Bankruptcy Court Letter Correspondence from TransUnion confirming deletions Please investigate this matter and provide me with a written response as required by the FCRA.

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