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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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: CBC Companies, Inc.
State: GA

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 an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate 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: 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: GA

Complaint narrative:
I AM A VICTIM OF XXXX.ANY ADVERSE INFORMATION, WHICH APPEARS ON MY CONSUMER REPORT, IS THE RESULT OF THAT XXXX AND I'M SUBMITTING THIS COMPLAINT ON MY OWN BEHALF. 

PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR ( 4 ) BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT { 15 U.S.C. 1681c-3 } .MY SELF ATTESTATION FORM IS ATTACHED AND HAS PREVIOUSLY BEEN VERIFIED BY EXPERIAN.ATTACHED IS PROOF FROM EXPERIAN SELF ATTESTATION WAS VERIFIED. PLEASED SEND E-MAIL NOTIFICATION TO XXXX THANK 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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
* XX/XX/XXXX - I started the process of rolling over my deceased wifes IRA to my IRA by sending forms to Synchrony Bank. 
* XX/XX/XXXX - I received a request that I send the Certificate Of Trust Existance, SS-4 Letter and W-9 Forms which I did via Banks electronic process which I did. 
* XX/XX/XXXX - I received a message indicating that they were received. 
* XX/XX/XXXX I called to check on the lack of progress and was told that someone would call me. 
* XX/XX/XXXX I called again asking for a status update since I had not received a call from the XX/XX/XXXX request for a status update. 
* XX/XX/XXXX - Since I did not received a call I used the Banks online message process to request a status update and received a reply saying I would receive a call in 24 to 48 hours. 
* XX/XX/XXXX - Since I did not receive a call I called again and spoke with someone in the IRA department. They tried contacting someone in the Trust department without success, but put in a request for the trust department to contact me on my mobile #. I also used the Banks online process to send another message requesting a status update. 
* XX/XX/XXXX - Since I did not receive a call or online response I called again and spoke with someone who was going to put me through to the IRA department but no one picked up the call.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax XXXX Department XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Accounts Due to 2025 Equifax Data Breach To Whom It May Concern : I am writing to formally dispute the following accounts listed on my credit report as a result of fraudulent activity tied to the 2025 Equifax data breach. These accounts were not opened by me, nor have I authorized their use or any associated transactions : 1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. XXXX Bank Account # XXXX These accounts are inaccurate, and I request that they be investigated and removed from my credit file. I have attached supporting documentation to validate my dispute, including : A copy of my government-issued ID ( e.g., drivers license or passport ) Proof of address ( e.g., utility bill or bank statement ) A copy of my credit report with the accounts in question highlighted FTC identity theft report ] In light of the Equifax data breach and its potential impact on my personal information, I believe these accounts were created fraudulently. Please conduct a thorough investigation and provide written confirmation once these accounts have been resolved and removed from my report. 

You can contact me at ( XXXX or XXXX is additional information or documentation is needed to process this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Bank XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Fed XXXX opened XX/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 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Bank XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX Fed XXXX opened XX/XX/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: CBC Companies, Inc.
State: AL

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 an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While reviewing my recent credit report, I noticed an error that seems to conflict with the information I have on file. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and credibility. I kindly ask that you investigate this matter thoroughly and address any discrepancies you find. Your assistance in resolving this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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

Company 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Follow-Up on Complaint Filed on XX/XX/XXXX Request for Immediate Action Regarding Incorrect Bankruptcy Reporting To Whom It May Concern at the CFPB : I am writing to formally follow up on my complaint submitted to the CFPB on XX/XX/XXXX, regarding the incorrect reporting of a bankruptcy discharge date by Equifax on my credit report. Despite my submission of clear evidence, including a letter from the court stating that they do not supply information to credit reporting agencies, I have been informed that Equifax has claimed the information was verified as accurate. 

Failure to Provide Evidence of Verification ( FCRA 611 ( a ) ) : By law, when information on a credit report is disputed, the credit bureau must conduct a reasonable investigation and provide evidence of how the information was verified. To date, I have received no proof of verification, such as the name of the entity contacted or their findings. How was this information verified? Who was contacted? These are questions that remain unanswered. 

Failure to Correct Inaccurate Information ( FCRA 607 ( b ) and FCRA 611 ) : The discharge date being reported is incorrect. Even if Equifax claims to have verified the information, the fact remains that it is inaccurate. Under the FCRA, credit reporting agencies are required to correct or delete inaccurate information promptly. This is a clear failure to comply wit

h their legal obligations. Failure to Maintain Maximum Possible Accuracy ( FCRA 609 )
: Credit reporting agencies have a duty to maintain maximum possible accuracy in their reports. Continuing to report incorrect information, despite being provided with evidence of its inaccuracy, is a direct violation of this requirement. 

As a consumer, I am entitled to an accurate credit report. The continued reporting of incorrect information on my credit file has caused harm to my financial reputation and created unnecessary frustration. This issue is not only a violation of my rights under the FCRA but also an indication of negligence by Equifax. 

Given the seriousness of this issue, I must also question the CFPBs handling of this complaint : Why was my complaint closed or dismissed without requiring Equifax to provide documentation or evidence of their verification process? 

Why has the CFPB allowed Equifax to continue reporting inaccurate information despite clear evidence of its inaccuracy?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp
State: CA

Complaint narrative:
Credit Service International Corp, I am writing to demand validation of the debt referenced in your recent call to XXXX XXXX XXXX from phone # XXXX on XX/XX/year> @ XXXX PST. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I expect you to comply promptly. 


You are required to provide the following information : The original creditor 's name and address. 
The exact amount of the debt, including a detailed breakdown of any fees or interest. 
Proof that you are legally authorized to collect this debt. 
Copies of any documents that show I agreed to pay the debt. 
You have 30 days from the date you receive this letter to provide the requested information. Additional complaints have been filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my States Attorney General Office. Additionally, I will expect this debt to be removed from my credit report and all collection activities to cease immediately. 

Provide all responses by email. 

I trust you will handle this matter with the urgency it requires. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ). According to the FCRA, credit reporting agencies are required to remove or block any inquires or accounts that result from identity theft or unauthorized access to my credit report.I believe this is in violation of Section 605 ( B ) of the FCRA.I kindly request that you block this information from my credit report within four business days, pursuant to section 605 B of the Fair Credit Reporting Act.Please remove the following accounts and unauthorized inquires. 
Accounts- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$430.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} CXXXX  XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00}

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: AR

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
I discontinued internet service with XXXX XXXX on XX/XX/year>. XXXX emailed me saying I had 30 days to return the wifi equipment with their return package. I never received the package or any tools within the email to return the wifi equipment. XXXX has records of me calling at least 5 times asking for them to give me the return package via email, my address or even my mothers address. I even tried to turn the equipment in at the store and they would not take it. I was told over the phone that my account would not be sent to collections because of THEIR error, which has proven to be a lie. They said that they didnt have my apartment number which is odd considering the wifi was connected to my exact unit. I should not have to keep going through this when I know XXXX has record of me attempting to get the return package to ship the wifi box back. Now I am having to go through getting this off of my credit report, and I even still have the wifi box. Before this, I was a XXXX customer for over 10 years. This is ridiculous, and my credit has been destroyed. I will never get XXXX again or recommend their services to anyone.

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: NJ

Complaint narrative:
Experience 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 ( CFPB ) has recently filed a lawsuit against Experian alleging systemic 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 Exerians 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