vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-24 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My account was closed, due to suspicious activity when I called about this, I got transferred around XXXX times and nobody could answer the simple question, what suspicious activity happened to cause you to close the account? They say information is not available. Since my name address and Social Security number are tied to this card I wish to know the exact reason the account was closed. And terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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 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

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 2025-01-24 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXXXXXX XXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XXXXXXXX XXXX Date XXXX Inquiry 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 2025-01-24 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
This debt was garnished from my bank account in full in XX/XX/XXXX. As far as I knew, my dang was satisfied at that time. I communicated with them, they were aware the garnishment took place, and I made it clear that I am XXXX and do not have the proper coping skills for extremely stressful situations ( which it was. ) A few months later, I received a dissolution of garnishment, which I assumed meant the debt was satisfied. I never received additional legal paperwork or new filings. 

A XXXX  and a XXXX  later, in XX/XX/XXXX, my bank account was garnished again for the full amount of the debt. The original garnishment was still being held by my bank. I contacted the collection company and they said someone had neglected to file paperwork properly to request the funds from the bank. Those funds were also never released back to me. I had also been charged fees and my amount owed increased from approx XXXX to over XXXX. I was struggling with my XXXX and medical issues already, and this added more stress, and contributed to me having to take XXXX leave from work in XX/XX/XXXX. All of the funds were finally released from my bank, and I contacted the creditor asking for settlement options so I could pay them directly and make this problem go away. They would not provide those to me, and within a couple days I received a notice that my paychecks were going to be garnished. So I let that happen until the amount was paid in full. I have confirmation that those funds were collected and are still being held by XXXX. 

I have now received another request being then to be paid for the same debt that has been garnished XXXX  times. The amount owed is over {$2500.00} because they have continued to charge me fees. I dont know what to do. I am autistic and have XXXX, so my cognitive functions become impaired when XXXX under too much XXXX. I am vulnerable and feel like I am being exploited. XXXX trying to do whatever XXXX supposed to do- they have had the opportunity to collect their money multiple times, and have neglected to do so multiple times through no fault of mine, and are using that as an opportunity to charge me more fees. Please help me.

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 2025-01-25 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 submitted multiple letters to Equifax, XXXX and XXXX throughout the year of ( March 2024-November 2024 ) that my information was comprised of my identity, and they said it was investigated. However, I did not get any documents showing what, when and how any information was belonging to me. 

Letters were sent with my correct name, address, driver 's license and so forth, but they still have it wrong on my report. Information about the identity issue was sent in and it was denied. 
However, I have not been able to acquire the things that will help my ill mom because of this. I have over a dozen items which the companies were informed they were not accurate for XXXX reason or another. ( The inaccurate information is causing me to stress and become ill myself. It was even noted to the companies that the XXXX first initial is to be FAIR, and this is not fair by any means. ) XXXX : Equifax XXXX : XXXX OF XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX : Equifax 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 : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please XXXX XXXX of what is to happen now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I received a text from Comenity Bank RE : XXXX XXXX credit card company to call them to make a payment. I called to see why they were calling and I thought it was probably a late payment, but I had not received a statement. To my surprise, they told me I owed XXXX plus dollars in late fees and interest. The person that I spoke too said that it showed my statements had been returned and my email statements had not gone through, so I had no idea that I was accruing interest. She also confirmed that my address was up to date, so thought maybe my statements were getting lost in the mail. She would not take off the interest payments but did take off {$25.00} for the last late payment. I asked for a number that I could call to talk to them about interest and she kept saying to check the back of the statement. I told her, that obviously I couldn't do that, if I wasn't getting the statements. I asked for a supervisor and she would not allow me to talk to anyone else, however, she did give me the number on the back of the statement. I paid the interest and closed the card because I didn't want the bill to continue to increase. It was a horrible experience and shocking to say the least. I have had a credit card with the company for several years. I am a teacher and a {$900.00} bill on nothing is very difficult to swallow. I would really appreciate my money credited back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
On XX/XX/2024, I sent a dispute of inaccurate and/or incomplete information in my consumer report to XXXX, Transunion, and XXXX. The XXXX XXXX that they were reporting concerning me was unverifiable by them. 

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from XXXX that they could not locate me in their database.

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 2025-01-24 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:
On XX/XX/year>, I sent a dispute of inaccurate and/or incomplete information in my consumer report to XXXX, XXXX, and Experian. The XXXX XXXX that they were reporting concerning me was unverifiable by them. 

I requested a description of the procedure used to determine the accuracy and completeness of the information of the disputed information, I asked for the business name and address of all furnishers of information contacted in connection with such information and the telephone numbers of such furnishers when they initially prepard the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unforntunately, it appears that they did not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they included in their consumer reports thatq they prepared concerning me. Also I received information back from XXXX that they could not locate me in their database.

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 2025-01-24 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:
XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX  {$98.00} XXXX {$130.00} XXXX {$500.00}

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 2025-01-24 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: AZ

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX - {$600.00} XXXX XXXX - {$9800.00} These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 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 the recovering lost funds were impossible and that tracking these transactions were 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
Keybank closed my checking account while i was active due to overdraft fee. the company didn't gave me chance to pay my fees to continue to use my checking 's account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2024, I was alerted to a charge on my credit card via text message to verify a charge at XXXX. I immediately went online to verify that the card was being charged by several vendors and it was not being used by me. I immediately called Citi to let them know that this was not me. They opened a dispute and sent me a new card. However, in XXXX I received a letter stating that the dispute was closed and I would be charged for the transactions. This was not a charge by me and I have been banking with Citi for years and would not dispute something I clearly charged. They have not provided me with any documentation to the sort about how they came to this erroneous conclusion.

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 2025-01-24 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:
Subject : Request for Assistance in Removing Fraudulent Child Support Account Dear [ Recipient 's Name ], I am writing to formally dispute the fraudulent and misrepresented child support account that has been appearing on my credit report. I have been disputing this account for an extended period of time, as it should not be included on my report. Despite my repeated requests, Experian has failed to conduct a proper investigation into this matter that would clearly demonstrate the need for this account to be deleted. 

This continued inaction feels like willful non-compliance, which could potentially fall under fraudulent misrepresentation. As stated in the Fair Credit Reporting Act ( FCRA ) Section 611, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute and to ensure the accuracy of the information they report. 

I am reaching out to you for assistance in removing this account from my credit report. Its presence has severely impacted my ability to grow my business and provide for my family. Resolving this matter would significantly improve my ability to move forward and build a better future. 

Please help me rectify this issue and remove this fraudulent account 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 2025-01-24 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: NC

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

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 2025-01-24 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: NC

Complaint narrative:
I request your help in reviewing accounts from companies that have inaccurately reported late payments. Upon checking my credit report, I found some accounts with late payment remarks that should not be there. These accounts should reflect no late payments.

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