vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is 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 2025-02-04 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XX/XX/XXXXhave failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXX/XX/XXXX have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure.

Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option.

I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Zap Solutions, Inc.
State: NC

Complaint narrative:
They closed my account on the XXXX XX/XX/year>, and have not returned my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am formally disputing CREDIT COLLECTIONS the illegal re-reporting of a previously deleted collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate or unverifiable information. Additionally, re-aging or re-reporting a previously removed collection account is a violation of the FCRA and constitutes unfair and deceptive practices

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-04 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2025-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Sent a certified request for debt validation and attempted to resolve the matter amicably. Did not claim the debt as my own. I tried a 2nd resolution but was not notified of my right to dispute the account. I attempted a 3rd time via phone and could not resolve it, nor did I receive validation of my debt. These are violations of the Fair Debt Collection Practices Act ( FDCPA ), and I am entitled to redress them as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was originally going to open the Citi credit card that can be used at XXXX for extra points. After I was told I will able to use after I get approved which I thought I was but apparently not. I had XXXX credit score before I applied. Then I called Citi to closed the account ( without my consent to open ). Not only Citi did not close my account. They just sent me a statement with a over a XXXX dollars worth of charge. I've never used card or activated the card. Is this some type of new scam?

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 monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I sent letters to this company multiple times in 2024 requesting that this information be removed, didn't receive a response. I am writing to formally request the immediate blocking and removal of fraudulent information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the following information on my report is fraudulent :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a formal complaint regarding multiple debt collection companies that have reported inaccurate, outdated, and unverifiable information on my credit report. Additionally, these companies have engaged in unfair collection practices, including harassment and using threatening tactics in an attempt to collect alleged debts. Below are the details of the collection accounts in question : Account Name : Collection account from XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This debt is inaccurate and outdated. Attempts to validate the debt were ignored, and the company continues to report incorrect information. 

Account Name : Collection account from XXXX XXXX & XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This company has used aggressive and threatening tactics, violating fair debt collection practices. The debt is unverified and appears to be beyond the statute of limitations. 

Account Name : Collection account from PORTFOLIO RECOVERY Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : The company continues to report outdated debt, causing unnecessary damage to my credit report. Despite requests for validation, they have not provided sufficient documentation. 

Account Name : Collection account from XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : This debt was settled years ago, yet it remains on my credit report. The company refuses to remove it, which is a violation of the Fair Credit Reporting Act. 

Account Name : Collection account from PORTFOLIO RECOVERY Account Number : XXXX Date Reported : XX/XX/XXXX Complaint : The company is reporting an old, time-barred debt and has failed to comply with validation requests. They have also engaged in harassing phone calls and misleading statements. 

Summary of My Actions I have repeatedly disputed these accounts and requested validation from the companies, but they have either ignored my requests or provided insufficient documentation. Their actions violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically : Reporting inaccurate and unverifiable information ( FCRA ) Harassment and use of abusive tactics ( FDCPA ) Failure to validate the debt upon request ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1200.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$5000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$20000.00}

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
The company titled CCS XXXX ( CCS XXXX XXXX ) has sent written communication on XX/XX/scrub>XXXX about a supposed debt of {$230.00}, however per NMLS Consumer Access, they are not licensed in the state of California ( where I am a resident ) to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C XXXX is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, XXXX has failed to uphold this legal standard, They are reporting a repossession 3 extra times on Experian XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct XXXX to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since the beginning of XXXX when I made my TransUnion account I have been unable to freeze my account. Their website has never worked, leaving me with this message : " Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX  and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. Eastern Time. '' I have contacted them to fix it and they never have. This is ridiculous and they need to be held accountable. I should not be encumbered when attempting to freeze my credit in XXXX and if TransUnion is not up to the task they should not be allowed to monitor credit or handle credit for anyone.

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