vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.

Complaint narrative:
I had a business phone account. My business closed down and I did not make payments for a month. Then XXXX sent my account to collections. I paid it off before I knew it went to collections. I disputed this to Equifax and XXXX XXXX and they both told me they needed evidence and did nothing. I don't have any evidence to show that I did not receive notice that this account would be going to collections. 

There are XXXX collections lines for the same thing and these have effected my credit so much. I tried to dispute them and it got me nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial-being. I am awre of my rights under the fair credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. Recently, the Consumer Financial Protective Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, viting " Sham Investigations '' and other unlawful practices. These practices, as outlined by CFPB, include : Conducting : inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inacurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a simular matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: MO

Complaint narrative:
On XX/XX/year>, I requested mortgage assistance resulting from having been adversely impacted by the COVID-19 pandemic. The mortgage is two months delinquent and incurring substantial late fees. 

I called XXXX Mortgage Loss Mitigation Department on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and requested status updates on the application. It is now 35 days since having applied for mortgage assistance, and I have not received a response from 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 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report that I have found to be inaccurate. After conducting my own investigation, I discovered numerous fraudulent accounts listed under my name, which I did not authorize or open. 
Under 15 U.S. Code 1681e ( b ), a consumer reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, in accordance with 15 U.S. Code 1681i, if an investigation reveals that any disputed information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must promptly delete such information from my credit report.

Furthermore, according to 15 U.S. Code 1681c-2, a consumer reporting agency is mandated to block any information that the consumer identifies as a result of identity theft. I formally identify the following fraudulent accounts on my report as resulting from identity theft : [ List the fraudulent accounts, including any relevant details such as account numbers or creditors.

1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$11000.00} 2. Jefferson Capital System Acct # XXXXXXXX Balance {$580.00} I request that you conduct a thorough reinvestigation of these items and block the reporting of this fraudulent information promptly, as required by law. Attached are copies of my identity theft report and any relevant documentation that supports my claims. 
Thank you for your immediate attention to this matter. I look forward to receiving your confirmation that these inaccurate and fraudulent items have been removed from my credit report. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: VA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ). XXXX has incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX on my credit report. 
XXXX. XX/XX/XXXX Late Payment : I have obtained my XX/XX/XXXX bank statement, which clearly shows that my payment was made on time. Despite providing this proof, XXXX has refused to correct the late payment report. 
XXXX. XX/XX/XXXX Late Payment : I am currently unable to retrieve my XX/XX/XXXX statement from XXXX website, but I believe this late payment is also inaccurate. I have requested access to this statement from XXXX but have been unable to obtain it. 

I previously disputed these inaccuracies with the credit bureaus, and instead of conducting a proper investigation, XXXX attempted to alter the reported dates, which is reflected on multiple versions of my credit reports. This raises serious concerns about NFCUs compliance with the Fair Credit Reporting Act ( FCRA ) and its obligation to ensure accurate reporting and conduct a good-faith investigation when disputes are submitted. 

I have contacted XXXX directly to resolve this issue, but they have refused to remove the inaccurate late payments. These errors have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-02-19 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: VA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX ). XXXX has incorrectly reported late payments for XX/XX/XXXX and XX/XX/XXXX on my credit report. 
XXXX. XX/XX/XXXX Late Payment : I have obtained my XX/XX/XXXX bank statement, which clearly shows that my payment was made on time. Despite providing this proof, XXXX has refused to correct the late payment report. 
XXXX. XX/XX/XXXX Late Payment : I am currently unable to retrieve my XX/XX/XXXX statement from XXXX website, but I believe this late payment is also inaccurate. I have requested access to this statement from XXXX but have been unable to obtain it. 

I previously disputed these inaccuracies with the credit bureaus, and instead of conducting a proper investigation, XXXX attempted to alter the reported dates, which is reflected on multiple versions of my credit reports. This raises serious concerns about XXXX  compliance with the Fair Credit Reporting Act ( FCRA ) and its obligation to ensure accurate reporting and conduct a good-faith investigation when disputes are submitted. 

I have contacted XXXX directly to resolve this issue, but they have refused to remove the inaccurate late payments. These errors have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-19 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: DE

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-02-19 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I noticed the following errors : Incorrect Payment History My report reflects an inaccurate late payment history. Specifically, [ describe the incorrect late payment, e.g., a 120-day late payment has been reported twice for the same period ]. I request that this duplication be corrected.

Incorrect Charge-Off Status A charge-off account [ account name/number ] is still being reported as unpaid, even though I have fully satisfied the balance. I am requesting that Equifax update this account to reflect its paid status and remove any negative impact from the charge-off notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
To Whom It May Concern, I am writing to formally dispute several inaccurate accounts on my credit report, which I believe resulted from identity theft and errors in your credit reporting process. These issues align with the violations detailed in the CFPBs lawsuit against Experian, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. The following accounts are inaccurate or fraudulent and must be removed from my credit report : XXXX XXXX XXXX. ACCOUNT XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, Opened XX/XX/XXXX. These accounts violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) ( FCRA ) 605B 15 USC 1681C-2 due to : XXXX. Failure to Conduct Proper Investigations : Experian failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. XXXX. Reinsertion of Inaccurate Information : Some of these accounts were previously removed but reappeared without proper notification or validation, violating FCRA procedures. XXXX. Failure to Notify and Provide Results : Dispute resolution notifications have been vague, inconsistent, and inadequate. I demand the immediate removal of these accounts and request : XXXX. A full investigation report for each disputed account, including verification methods and furnisher contact information. XXXX. Written confirmation of permanent removal of these accounts. XXXX. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Apple and Goldman Sachs regarding their handling of a fraudulent Apple Card account that was opened in my name without my authorization. 

Timeline of Events : XX/XX/year> : I first informed Apple of the fraudulent account. I was advised to wait for an investigation and submitted the necessary proof. 
30 Days Later : After waiting the requested 30 days, I contacted Apple for an update. They informed me that they needed more time to investigate.

Impact on Credit : I expressed my concern about the negative impact on my credit score and that it had been sent to collections and requested a resolution. Apple then advised me to settle the account, assuring me that they would request its removal once the investigation confirmed it was fraudulent. 
XX/XX/year> : Acting on Apples guidance, I made a payment of {$1000.00} to settle the account. 
XX/XX/year> : I received a letter from Apple confirming that the account was indeed fraudulent. They assured me that they would refund my payment and remove the account from all credit bureaus. 
Ongoing Issues and Apples Failure to Act : Despite Apples assurances, the following issues remain unresolved : No Refund Issued I have not received my {$1000.00} refund, despite repeated follow-ups. 
Account Still Impacting My Credit The fraudulent account continues to appear on my credit report, despite assurances from Apple that it would be removed. 
Unjustified Delays and Lack of Accountability Over the past year, I have invested significant time and effort contacting Apple, providing documentation, and following up. Each time, I was given vague timelines that were not met, causing me undue stress and frustration. 
Emotional and Financial Harm The unresolved case has negatively affected my creditworthiness, causing me financial strain and emotional distress. 
Resolution Sought : Immediate refund of {$1000.00} as promised. 
Compensation of {$5000.00} for the distress, time, and effort involved in resolving this issue. 
Confirmation that all negative marks related to this fraudulent account have been removed from my credit report. 
Apple and Goldman Sachs have demonstrated gross negligence and a lack of urgency in addressing this matter, causing unnecessary hardship. I am requesting the CFPBs intervention to ensure that Apple fulfills its obligations and resolves this situation promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
ACCORDING TO THE CREDIT REPORTING AGENCIES, A NUMBER OF MY ACCOUNTS HAVE BEEN CHARGED OFF AND SOLD IN XXXX. IT IS NOW XX/XX/XXXX AND I HAVE NEVER RECEIVED A 1099-C FORM FROM ANY OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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 recovering lost funds was impossible and that tracking the transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: IN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-19 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C. 1681. 

XXXX. XXXX XXXX XXXX  {$450.00} Opened XXXX XXXX XXXXXXXX XXXX XXXX {$490.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not 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.

Duty to correct and update information is incomplete or inaccurate, they must promptly correct or update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MI

Complaint narrative:
For several months I have been trying to get current copies of my credit report, I am unable to access experian.com I am unable to speak to anyone over the phone and I haven't received acknowledgment of the police report submitted for Fraud on my credit profile. I am a victim of identity theft.

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