vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the accuracy of the following accounts and inquiries appearing on my credit report with Experian. These items are not related to any transactions I have authorized and are the result of identity theft. 

Accounts to be removed : 1. XXXX ( Account # : XXXX ) 2. XXXX XX/XX/XXXX ( Account # : XXXX ) 3. XXXX XXXX ( Account # : XXXX ) 4. XXXX ( Account # : XXXX ) 5. XXXX ( Account # : XXXX ) Inquiries to be removed : 1. XXXX ( Date : XX/XX/XXXX ) 2. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 3. XXXX XXXXXX/XX/XXXX ( Date : XX/XX/XXXX ) 4. XXXX XXXX XX/XX/XXXX ( Date : XX/XX/XXXX ) 5. XXXX XX/XX/XXXX ( Date : XX/XX/XXXX ) Please block these items from my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) and notify the furnishers of these items regarding this dispute.

Enclosed, you will find the following documents to support my claim : A copy of my Identity Theft Report and proof of identity.

A copy of Section 605B of the FCRA for reference.

Thank you for addressing this matter promptly. I look forward to your confirmation that these items have been removed. 

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX - XXXX - {$0.00} XXXXXX/XX/XXXX XXXX - {$4400.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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.
State: FL

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-01-27 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: OH

Complaint narrative:
I am writing to formally dispute the handling of my credit information as reported in my recent credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which outlines civil liability for negligence, it has come to my attention that there has been a failure to comply with the required standards regarding the accuracy and completeness of my credit information. 

The issues in question are as follows : With XXXX XX/XX/XXXX sending me to charge off. I've dispute this over 5X and still keep getting denied. I believe that this situation constitutes negligence under the provisions of FCRA Section 1681o, which holds credit reporting agencies responsible for their failure to adhere to the necessary standards of care in maintaining accurate credit information. This negligence has directly impacted my credit score and overall financial standing. 

Accordingly, I request that you take the following actions immediately : Correct the inaccuracies in my credit report. 
Provide documentation of the corrections made. 
Ensure compliance with the FCRA by implementing improved procedures to avoid such errors in the future. 
Failure to address this issue in a timely and satisfactory manner may result in further legal actions to hold your agency accountable for any damages incurred due to your negligence. 

Please respond to this dispute within 30 days, as required by the FCRA. I expect a full resolution and will not hesitate to take the necessary steps to protect my rights if this matter is not rectified promptly. 

Thank you for your attention to this important matter. I look forward to your timely response. 

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXXXX/XX/XXXX-2025 OneMain XX/XX/XXXXXXXX XXXX, IN XXXX Dear OneMain I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with account Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. Therefore, I am exercising that right. Please be advised that any further attempts to contact me regarding this matter, whether by phone, mail, or any other means, will be considered harassment and will be reported to the appropriate authorities. 

If you believe that I owe this debt, I request that you provide verification and documentation of the debt in question. Until then, I expect no further communication from your agency. 

Please note that this letter is not an acknowledgment of the debt, nor is it a refusal to pay the debt. It is simply a request to cease communication. 

Thank you for your attention to this matter. I expect to see a complete cessation of all communication from your office. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Didnt investigate in a timely manner and my information was exposed to a data breach

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 2025-01-27 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: IL

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-27 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: NJ

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-01-27 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: NY

Complaint narrative:
I am concerned about XXXX handling disputes since I have just found out about the recent cfpb lawsuit I have had many issues with Zelle and have reported about it numerous times but never had any adequate answers they informed me that recovering any lost funds were impossible that tracking these funds are impossible which leads me to believe they dont care about their consumers and are willing to let scammers run their scams safely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.

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 2025-01-27 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: AZ

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX - XXXX - {$3900.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Ive been a loyal PNC customer for a long time, and this is the first time Ive experienced something like this. A XXXX friend posted that her uncle was moving to a retirement home and she was selling some of his belongings. I inquired about a car, and she confirmed it was available, mentioning they were asking for a {$1000.00} deposit. I sent {$500.00} initially and then another {$500.00} later. Shortly after, she messaged me saying her uncle was requesting more money. Thats when I realized this might be a scam. 

I immediately contacted PNC Bank to stop the payment and followed their advice to start a dispute. However, I received a letter stating that my claim was denied because the payments were authorized. Given my history as a customer and the fact that this was a clear scam, I would like PNC to reconsider and reimburse my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear XXXX, I am writing to formally request the issuance of a 1099-C for the charged-off debt on the following account : Account Number : XXXX Account Type : Charge account Balance : {$7000.00} Date Opened : XX/XX/year> Current Status : Charge-Off As this account has been charged off and reported as derogatory, I am requesting that a 1099-C be issued for the debt as required by the IRS. The debt is currently reflected as charged off on my credit report, and I believe this meets the criteria for the cancellation of debt under the IRS guidelines. 

Please provide me with a 1099-C form for the year in which the charge-off occurred, so I may accurately report it on my taxes. If you require any additional information or documentation to process this request, kindly inform me as soon as possible. 

I would appreciate your prompt attention to this matter, and I look forward to receiving the necessary documentation. 

Thank you for your time and cooperation. 

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
Consumer complaint received 2025-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I was a victim of identity theft I mailed a ftc report and the XXXX system didn't fix the error they just keep adding stuff I didn't recognize

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 2025-01-27 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-27 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the issuance of a 1099-C for the charged-off debt on the following account : Account Number : XXXX Account Type : Charge account Balance : {$7000.00} Date Opened : XX/XX/year> Current Status : Charge-Off As this account has been charged off and reported as derogatory, I am requesting that a 1099-C be issued for the debt as required by the IRS. The debt is currently reflected as charged off on my credit report, and I believe this meets the criteria for the cancellation of debt under the IRS guidelines.

Please provide me with a 1099-C form for the year in which the charge-off occurred, so I may accurately report it on my taxes. If you require any additional information or documentation to process this request, kindly inform me as soon as possible. 

I would appreciate your prompt attention to this matter, and I look forward to receiving the necessary documentation. 

Thank you for your time and cooperation. 

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
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/year> I found a dispute on Account # XXXX. XXXX denied following up with the investigation, I was recently informed that the CFPB has filed a lawsuit against XXXX. They alleged the company of accepting unreliable information, failure to notify consumer disputes results. This aligns with my situation. XXXX has not attempted to remove, nor correct any information. I am requesting these derogatory marks to be removed or corrected immediately as it is affecting my chances getting a car. XXXX violated my rights as a consumer, as well as federal laws.

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 2025-01-27 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-01-27 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.
State: FL

Complaint narrative:
Im unable to access my credit report or file a dispute online with TransUnion. Theyve informed me that it's an internal issue that needs to be resolved on their end, and suggested I submit a dispute over the phone. However, I wont be able to submit any supporting documents, which are essential for my case. As a result, I had to get my credit report from third-party agencies like Credit Karma and XXXX to verify the accuracy of their information. 

I have a hard inquiry from XXXXXXXX XXXX ( Bank ) on my credit report that I did not authorize. Credit agencies like XXXX have removed the inquiry from my account, as they have confirmed it 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