vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Re : Dispute of Inaccurate Reporting Account # XXXX I am writing to formally request the removal of the mortgage account listed under XXXXXXXX XXXX XXXXXXXX from my credit report. Despite multiple disputes submitted to address inaccuracies in the reporting, I have received no resolution or adequate documentation to support the claims being made about this account. Instead, the account continues to be updated inaccurately without proof, which is in violation of the Fair Credit Reporting Act ( FCRA ). 

The specific inaccuracies I have identified include : 1. **Payment Status : ** - XXXX XXXX Experian, and XXXX report the account as **60 days past due**, which is false as I have consistently made payments on time. 
2. **Payment History : ** - There are inconsistencies in the " OK '' status reflected in the history versus the claim of delinquency. 
3. **Balance and Past Due Amount : ** - The reported balance of {$440000.00} and a past-due amount of {$8500.00} are unsupported by any valid documentation. 

I have disputed this account several times and provided all necessary documentation to prove its inaccuracies, yet there has been no valid response from XXXX XXXX XXXXXXXX or the credit bureaus. Furthermore, the continued updates to this account without evidence or resolution show a failure to conduct a proper reinvestigation as required under **15 U.S.C. 1681i**. 

I am requesting the following actions be taken immediately : 1. Remove the account from all three credit bureau reports ( XXXX, Experian, and XXXX ) due to failure to validate its accuracy. 
2. Provide detailed documentation, including payment records and verification from XXXX XXXX XXXXXXXX, to support the claims being made, if you believe the reporting is accurate. 

Failure to respond within 30 days will leave me no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies for non-compliance with the FCRA. 

I expect a prompt resolution and request all correspondence and documentation be sent to me at the address listed above. 

Thank you for your attention to this matter.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent TransUnion a request for a method of verification ( see attached letter ) TransUnion failed to responded within the time permitted under the FCRA. TransUnion stated that the information in dispute was verified as accurate, HOWEVER PROVIDED NO PROOF THAT THEY CONDUCTED AN INVESTIGATION. ( See attached letter ) TransUnion continues to VIOLATE THE FCRA 15 US CODE 1681i ( 7 ). I HAVE ATTACHED THEIR VIOLATIONS AND DEMAND THESE UNVERIFIED ITEMS BE REMOVED IMMEDIATELY AS PER : 15 U.S. Code 1681i - Procedure in case of disputed accuracy information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based

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 2025-01-14 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 obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. 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 falling to adequate notify consumer of dispute outcomes. These failure aligns with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to credit report. I already filed for identity theft cause of all these false inquiries and fraudulent credit cards and other fraudulent accounts on my credit report. Im requesting immediate corrective action to remove or amend the disputed accounts as Experians 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 2025-01-14 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: FL

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 2025-01-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 2025-01-14 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 frustration and dissatisfaction with the handling of unauthorized transactions processed through my account during the years XXXX, XXXX, and XXXX. 

Despite my attempts to resolve this issue, I have repeatedly been informed that there is nothing your team can do about these transactions. This response is both unacceptable and concerning, as it raises serious questions about the security measures in place to protect your users from fraudulent activities. 

During the aforementioned years, there were several transactions that I did not initiate or authorize. Upon discovering these discrepancies, I promptly contacted your customer support team to report the unauthorized transactions and seek assistance. Unfortunately, I was left with the impression that my concerns were not taken seriously and that there was no willingness to investigate these issues further. 

As a customer, I expect Zelle to prioritize the security and integrity of its service. The lack of support and actionable solutions in response to unauthorized transactions not only undermines my confidence in your platform but also has put me at significant personal and financial risk. 

I urge you to take my complaint seriously and look into this matter further. I would appreciate a thorough investigation into these transactions and a clear explanation of the steps Zelle can take to prevent such issues in the future. Additionally, I request guidance on how I can secure my account to avoid any further unauthorized access. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i sent money through Zelle in 2020 to the wrong person called zelle to cancel transaction they denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2025-01-14 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. 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 non-monetary relief
Consumer complaint received 2025-01-14 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 I looked at my Transunion credit report on XX/XX/XXXX and i noticed some things are incomplete and not accurate ; and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report reletes according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer ; an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item from the file of the consumer, or modify that item of information that the information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the credit file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-01-15 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: TX

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I sent a zelle to a name in my phone that happened to be incorrect and it went to the wrong person. Zelle did nothing to help me fix this and just let my money go as if it did not matter to them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a bankruptcy showing up on my credit reports. I have proof from any courts that they DO NOT report to credit bureaus. I sent a certified letter to all XXXX  major credit bureaus and received a letter back stating they could not complete my request as they were unable to determine what I was requesting. The letter that I sent them clearly stated what I was asking them to do and included my name, social security number and all information that they needed. I do not feel that they even looked into my request and just sent a generic letter stating they had. I want the bankruptcies they are reporting to be removed from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: MO

Complaint narrative:
I have a bankruptcy showing up on my credit reports. I have proof from any courts that they DO NOT report to credit bureaus. I sent a certified letter to all three major credit bureaus and received a letter back stating they could not complete my request as they were unable to determine what I was requesting. The letter that I sent them clearly stated what I was asking them to do and included my name, social security number and all information that they needed. I do not feel that they even looked into my request and just sent a generic letter stating they had. I want the bankruptcies they are reporting to be removed from my credit reports.

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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 - XX/XX/XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/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 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 2025-01-14 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 - XX/XX/XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/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 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 explanation
Consumer complaint received 2025-01-14 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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute and Request to Block Fraudulent Information Under FCRA Sections 605B and 1681c-2 Dear TransUnion, I am writing to formally dispute the presence of multiple inaccurate and fraudulent items on my credit report. I request the immediate blocking and removal of the following accounts and inquiries under the provisions of Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 : Accounts to Be Blocked and Removed Immediately : XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX  XXXX - Account # : XXXX XXXX  - Account XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX  XXXX - Account # : XXXX Inquiries to Be Removed Immediately : XXXX XXXX - Auto Dealers, New - XX/XX/XXXX - TransUnion XXXX  - Auto Financing - XX/XX/XXXX - TransUnion XXXX  - Auto Loans - XX/XX/XXXX XXXX TransUnion XXXX XXXX Auto Financing  - XX/XX/XXXX XXXX TransUnion Basis for Dispute : Identity Theft and FCRA Section 605B Under Section 605B of the Fair Credit Reporting Act, victims of identity theft are entitled to have fraudulent information resulting from identity theft permanently blocked from their credit reports. To comply with this law, you must remove the accounts and inquiries listed above immediately. I am submitting the required documentation to validate my claim : A copy of my government-issued ID ( proof of identity ). A copy of my Identity Theft Report, filed with law enforcement or the Federal Trade Commission ( FTC ). Impact of Identity Theft and Data Breaches My personal information was exposed in multiple data breaches, including those involving XXXX XXXX XXXX, XXXX, and TransUnion itself. These breaches have resulted in unauthorized accounts and inquiries appearing on my credit report, harming my financial reputation and limiting my ability to secure loans, housing, or employment. Request for Immediate Action As required under Section 605B, you must block and remove the fraudulent information within four ( 4 ) business days of receiving this dispute and supporting documentation. Please confirm in writing that the accounts and inquiries have been permanently removed. Failure to comply with these legal obligations will result in an escalation to the Consumer Financial Protection Bureau ( CFPB ) and additional legal action to enforce my rights under the FCRA. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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