vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
Ive reached the point of sheer frustration with the persistent inaccuracies on my report. These errors are more than a nuisancetheyre lowering my score, damaging my credibility, and limiting my future. Its exhausting to keep dealing with the same mistakes over and over.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974.

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 2025-01-16 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlining 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 also impossible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit their 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 2025-01-16 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:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current report.

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 2025-01-16 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: MI

Complaint narrative:
RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from TransUnion, XXXX, and XXXX, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Inconsistencies Across Credit Reports : Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.

Address Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. 
Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.

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 2025-01-16 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: MI

Complaint narrative:
RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested five times in writing, made three phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from XXXX, Experian, and XXXX, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX, XXXX, MI XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports from XXXX, Experian, and XXXX, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the three bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize.

Address Variations : The listed addresses across the three credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information. 
Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.

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 2025-01-16 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: TN

Complaint narrative:
Experian has Failed to fulfill its legal Obligation under the fair credit 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 furnisher, 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XXXXXX/XX/year>, my direct deposit was supposed to arrive and be deposited into my checking account with Capital One. It never was deposited. 

On XXXX XXXXXX/XX/year> I checked at XXXX XXXX, no deposit, no emails, nothing but a declined payment I had prescheduled to come out automatically. 

At XXXX  on XX/XX/year> I finally got through to customer service and requested an explanation regarding my account and lack of direct deposit. I was told there was a tech issue with no further explanation. I asked when I could expect my money and was told IT was working on it, I should expect it soon. I also asked about my payments that were declined and was told they could help me overdraft my account to pay. No thank you? I asked if there were fees associated with my declined payment if they would be paying. I was told, if theyre reasonable. 

More recent updates from others with Capital One state that now theyre estimating a XXXX, XX/XX/year> deposit. This is 6 full days after I was supposed to be paid. I believe we ( myself and all others who are facing these issues in this horrible economy ) deserve all fees associated with late payments to be fully refunded and to be reimbursed DAILY for each day our payments are late. This is absolutely insane. If I owed Capital One money, theyd be knocking down my door for payment with all sorts of fees and extras.

The fact that no courtesy email or phone call was made or sent to let people know the status of the issue or that it even existed is sickening as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 ( FCPB ) has recently filed a lawsuit against Experian, alleging stem 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc.
State: MD

Complaint narrative:
XXXX XXXX last 4 of ssn XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX XXXXXXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXXXXXX under the account number XXXX, a rental agreement at XXXX XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the mentioned 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of your reporting on any of my ( Transaction history ) I the consumer have a right to my Privacy, per The privacy Act of 1974. 
IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!!! 
PER ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report

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 2025-01-16 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now opting out of your reporting on any of my ( Transaction history ) I the consumer have a right to my Privacy, per The privacy Act of 1974.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY!!!

PER ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report

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 2025-01-16 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: TN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly considering 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 scams lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution 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