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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint and dispute inaccurate information reported by XXXX on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with XXXX, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done.

Actions Requested : 1.Investigate this matter thoroughly with XXXX and XXXX. 
2.Provide documentation verifying the accuracy of this account. 
3.Require XXXX to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint and dispute inaccurate information reported by XXXX on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with XXXX, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account. 
3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done. 

Actions Requested : 1.Investigate this matter thoroughly with XXXX and XXXX. 
2.Provide documentation verifying the accuracy of this account. 
3.Require XXXX to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TX

Complaint narrative:
I have never authorized these inquiries and they are due to fraud. 
XXXX XXXX  Location XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Feedback Inquiry Type Individual US DEPARTMENT OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never authorized these inquiries and they are due to fraud. 
XXXX XXXX  Location XXXX XXXX  XXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX Feedback Inquiry Type Individual US DEPARTMENT OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, NY XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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: ID Analytics, Inc.
State: LA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax 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 an inaccurate or unverifiable account unresolved the consumer financial protection bureau has recently filed a lawsuit against Equifax alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and falling to Adequately notify consumers of dispute outcomes these failures align with my experience where Equifax 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 equifax inaction violates federal law and my rights as a consumer

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX credit card was paid by settlement requested potential negative status be removed from my credit 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 2025-01-27 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: CA

Complaint narrative:
I am reaching out with absolute certainty and growing frustration regarding the numerous errors on my credit report. These inaccuracies have been severely impacting my life and credit score, creating barriers to achieving financial freedom and stability.

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: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle : have zell through my banks app. Tried to use for transaction on XXXX to send payment for a local purchase of {$450.00} ... ... the payment didnt go though, seller never got confirmation nor did I despite entering all info correctly. Subsequently had to cancel the transaction so that I could pay the seller by another means ( paid XXXX with no issues ). I was charged a {$30.00} cancellation fee by zelle. My bank ( XXXX XXXX  ) was no help, nothing they can do. Zelle customer service directed me back to my bank. I suspect others have had similar issue.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I cant see my credit score been like this for months now I called them XX/XX/year> they told me within 3 to 7 business days I should get an email havent got that yet I have talk to them plenty time no help Also its some inquiries on my Experian that dont show on my other 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: 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: TX

Complaint narrative:
I submitted formal dispute letters to both Experian and XXXX on XX/XX/year>, regarding multiple inaccuracies on my credit report. These disputes were not my first attempts to address these issues. I have previously disputed inaccurate information with both credit bureaus, but they failed to respond appropriately or investigate the accounts and inquiries in compliance with Fair Credit Reporting Act ( FCRA ) requirements and Metro 2 ( M2 ) compliance standards. 

In my most recent dispute, I explicitly requested : 1. Verification of the accuracy and validity of the accounts, including supporting documentation from the original creditors. 


2. Evidence of proper investigation into each disputed item, as mandated by the FCRA.

3. Removal of unverifiable, inaccurate, or incomplete accounts and inquiries from my credit report.

4. Confirmation that any outdated or incorrect personal information, such as previous addresses or names, was deleted. 



Instead of conducting thorough investigations and providing the requested documentation, Experian and XXXX responded with generic form letters that did not resolve the inaccuracies or address my concerns. The disputed items include accounts and inquiries I do not recognize or that contain errors such as incorrect balances, dates, and statuses. 

The lack of proper investigation and resolution has negatively impacted my credit score, causing harm to my financial opportunities. Moreover, their failure to adhere to Metro 2 compliance guidelines and FCRA obligations demonstrates systemic shortcomings in their dispute resolution processes. 

As of today, the disputed information remains on my credit report, and I have not received any detailed documentation or an updated report reflecting the corrections I requested. This negligence is unacceptable, and I am seeking the CFPBs assistance to ensure that Experian and XXXX fulfill their legal obligations to investigate and correct inaccuracies promptly.

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: NJ

Complaint narrative:
Unauthorized items on my credit report have appeared due to the fraudulent use of my personal information, and I have never benefited from these transactions in any way. Recognizing the gravity of this issue, I promptly filed a report with the Federal Trade Commission in hopes of resolving the matter. However, despite taking the necessary steps and reporting this fraudulent activity, these items persist on my credit report. 
This situation has become deeply frustrating, as I continue to bear the consequences of someone elses misuse of my information. I am urgently requesting the removal of these fraudulent entries from my credit report. It is unacceptable that these unauthorized items remain, negatively impacting my financial standing.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this urgent complaint regarding Chimes unjustified and unlawful actions in closing my account and withholding {$2000.00} of my funds without any legitimate explanation or resolution. I have made multiple attempts to resolve this issue directly with Chime, but I have been met with stonewalling, unhelpful responses, and an alarming lack of accountability. 

Chime unilaterally decided to close my account, effectively denying me access to my own money. This {$2000.00} was in my Chime Builder account and was being responsibly managed in good faith. By closing my account and withholding these funds, Chime is not only causing me significant financial harm but is also engaging in actions that appear to violate consumer protection and banking regulations. 

I demand an immediate investigation by the CFPB into Chimes handling of this matter. Their actions are unacceptable and may represent breaches of the law. I request that Chime be required to : 1. Provide a full explanation for the closure of my account. 
2. Immediately return the {$2000.00} that belongs to me. 

I have attached all relevant documentation, including account statements, correspondence with Chime, and proof of the funds in question. I ask that the CFPB prioritize this case, as the undue delay in resolving this matter is causing severe financial and emotional stress. 

Should this issue not be resolved in a timely manner, I will pursue all available legal avenues, including filing a lawsuit and contacting other regulatory bodies and media outlets to expose these unethical practices. 

I trust that the CFPB will take swift and decisive action to hold Chime accountable and ensure the return of my {$2000.00}. Please confirm receipt of this complaint and provide me with updates as the investigation progresses. 

Thank you for your attention to this urgent matter.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file a complaint against Equifax for failing to comply with the the Fair Credit Reporting Act ( FRCA ) requirements 15 USC 1681e ( b ), 15 USC 1681s-2, 1681i ( 5 ) and 15 USC 1681c ( c ). I have sent in multiple distputes online and I have been no respond to my issue This Credit Colletions Account need to be removed it has already been paid. 
Account # XXXX

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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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