vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
once again, 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. Despite my submission of clear and compelling evidence demonstrating the inaccuracy or unverifiability of certain accounts, Experian has neither corrected nor removed the disputed items. This failure has resulted in ongoing harm to my credit standing, directly violating my rights as a consumer under federal law. 

Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic failures in its dispute-handling process, including its failure to forward consumer-provided evidence to furnishers, its acceptance of unreliable responses from data furnishers, and its inadequate notification to consumers regarding dispute outcomes. These allegations align with my personal experience, as Experian has disregarded the evidence I provided and failed to conduct a reasonable reinvestigation as required under the FCRA. 

Given these serious legal and regulatory concerns, I am formally requesting immediate corrective action to remove the disputed accounts in compliance with federal law. 


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 2025-02-25 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me 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
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After obtaining my three credit scores side-by-side from XXXX I noticed inaccurate reporting after reading my three credit reports with XXXX XXXX XXXX XXXX more specifically the account amount, past due amount and last date reported. Equifax, XXXX and XXXX reporting does not match. 

I have made numerous attempts to dispute these inaccuracies both over the telephone and via mail to no avail. 

The procedure from the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a states : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report -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 relates. 

15 U.S. Code 1681i ( 5 ) ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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 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 file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Equifax actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Inaccurate Reporting To Whom It May Concern, Recently. I've reviewed my credit reports and found the following inaccurate late payments Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Company Name : XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX Per FCRA 15 U.S.C 16811, all unverified and inaccurate information must be promptly DELETED. Please provide me with all information your bureau used to verify this inaccurate late payment. Non compliance with the request for deletion if you can not produce METRO 2 COMPLIANT EVIDENCE will force my legal team to file complaints with the FTC, CFPB, Attorney General of GEORGIA along with any further legal action we deem necessary including but not limited to civil and punitive damages Please provide me with an updated copy of my credit report upon completion of your investigation. 
Best Regards, 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 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  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 explanation
Consumer complaint received 2025-02-25 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failure to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax x consistently responds within XXXX hrs stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ) 15 U S C 1681i. Which mandates reasonable investigation of disputes. Equifaxs actions also contravenes the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am filling a complaint against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is highlighted in the CFPB 'S recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. i request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
( These are the accounts that inaccurate ) XXXX  XXXX  account # XXXX XXXX XXXX XXXX  XXXX  XXXX  # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
MY ACCOUNT # XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through XXXX XXXX or XXXX is just too much of a hassle Thanks for gettin me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
On XX/XX/year>, I formally disputed and requested verification of XXXX accounts reported by Equifax pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ). I provided Equifax XXXX  days to respond with legally required verification details, including the method of investigation, copies of original documentation, the identity of the verifying entity, and a summary of their findings. Equifax has failed to comply, providing no response, no documentation, and no substantive verification, constituting clear violations of 15 U.S.C. 1681i ( a ) ( 6 ) ( failure to provide reinvestigation details ), 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), 15 U.S.C. 1681g ( failure to disclose all information relied upon in its verification process ), and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ). Under federal law, if a credit bureau can not verify disputed information within the mandated timeframe, it must delete the information immediately, and XXXX continued reporting of these accounts without verification constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, exposing them to statutory damages, punitive damages, and legal liability. I hereby request the CFPB to take immediate enforcement action by compelling Equifax to remove these unverified accounts, issue a formal statement of compliance, and investigate its systemic failure to adhere to the FCRA. If Equifax refuses to comply, I reserve the right to pursue further legal action to protect my rights. Supporting documentation, including my original dispute letter, is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding the failure of XXXX and TransUnion to promptly update my credit reports to reflect the deletions of certain accounts, as confirmed by XXXX. 

Below are the accounts that were confirmed as deleted from my XXXX credit report, and I am requesting that XXXX and TransUnion take similar actions by deleting the following accounts from their records. The documents I am providing include an XXXX letter, mailed to me on XX/XX/XXXX, confirming all deletions. However, as of XX/XX/XXXX, XXXX and TransUnion still reflect these accounts, and they are allowing delinquencies to be added, causing further financial hardship. 

The accounts to be deleted are as follows : XXXX XXXX Accounts : # XXXX # XXXX XXXX XXXX Account : # XXXX Department of Education Accounts : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX XXXX Account : # XXXX I have requested these deletions from both XXXX and TransUnion, yet they have failed to reflect the changes made by XXXX on their credit reports. 

I am requesting that XXXX and TransUnion : Immediately update their records to reflect the deletions made by XXXX for the above accounts. 
Ensure that no delinquencies related to these accounts are reported moving forward. 
Provide a formal acknowledgment from both XXXX and TransUnion confirming that these deletions have been made. 
I would like this issue to be resolved as promptly as possible, as it is negatively affecting my credit report and my financial standing. I am attaching the relevant documentation and letters for your review. 

Thank you for your prompt attention to this matter. I look forward to a resolution of this issue as soon as possible.

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