vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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:
Subject : Formal Dispute and Request for Investigation Under Section 623 of the FCRA Dear Credit Bureau Name, I am writing to formally dispute the inaccurate information reported on my credit file under Section 623 of the Fair Credit Reporting Act ( FCRA ). The accounts listed below do not belong to me and are the result of identity theft. Despite my consistent efforts over the past XXXX years, including submitting all necessary fraud documentation to both the credit bureaus and creditors, these fraudulent accounts remain on my credit report. 
Accounts to be Removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a victim of identity theft stemming from the Equifax data breach, and further compromised by the Experian data breaches, I am extremely concerned about the continued presence of these fraudulent accounts. Additionally, the information associated with these accounts was stolen from a work laptop, leading to further fraudulent banking activities in my name. None of the details related to these accounts are mine.

Under Section 623 of the FCRA, I am requesting that you conduct a thorough investigation into these accounts, including verifying the original documentation provided by the creditors to confirm the accuracy of the information reported. Given the evidence I have provided and the circumstances surrounding these breaches, I should not be held responsible for these fraudulent accounts.

Please provide written confirmation of your investigation results and the removal of these accounts from my credit report at your earliest convenience. This matter has caused undue stress and negatively impacted my financial well-being, and I appreciate your prompt attention to this serious issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
Subject : Formal Dispute and Request for Investigation Under Section 623 of the FCRA Dear Credit Bureau Name, I am writing to formally dispute the inaccurate information reported on my credit file under Section 623 of the Fair Credit Reporting Act ( FCRA ). The accounts listed below do not belong to me and are the result of identity theft. Despite my consistent efforts over the past XXXX years, including submitting all necessary fraud documentation to both the credit bureaus and creditors, these fraudulent accounts remain on my credit report. 
Accounts to be Removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a victim of identity theft stemming from the Equifax data breach, and further compromised by the Experian data breaches, I am extremely concerned about the continued presence of these fraudulent accounts. Additionally, the information associated with these accounts was stolen from a work laptop, leading to further fraudulent banking activities in my name. None of the details related to these accounts are mine.

Under Section 623 of the FCRA, I am requesting that you conduct a thorough investigation into these accounts, including verifying the original documentation provided by the creditors to confirm the accuracy of the information reported. Given the evidence I have provided and the circumstances surrounding these breaches, I should not be held responsible for these fraudulent accounts.

Please provide written confirmation of your investigation results and the removal of these accounts from my credit report at your earliest convenience. This matter has caused undue stress and negatively impacted my financial well-being, and I appreciate your prompt attention to this serious issue. 
Sincerely, 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 2025-02-10 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: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
On XX/XX/year> my bank ran my credit for a business line of credit and notified me that Chrysler Financial had a charge off for a XXXX XXXXXXXX XXXX  that I had financed through them. The final payment was not taken through their auto deduct program that took my other XXXX payments. Since this vehicle was paid through my work, I never noticed nor was I ever contacted in any form by Chrysler Financial. I paid the vehicle off immediately when I found out. I asked Chrysler Financial on XX/XX/XXXX to review the details and was told they were escalating the issue. I called back on XX/XX/XXXX and was told it hadn't been reviewed. I called back today, XX/XX/XXXX and I was told by XXXX, employee # XXXX that the status hasn't changed and they were not going to rereport to the credit agencies. This was their problem for not taking my final payment and not notifying me a payment was still due. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signifiant 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 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 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 2025-02-10 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: AR

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-10 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: AL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 credit reporting agencies and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. They keep saying that the accounts are verified and accurate. I provided them with proof. I also asked for verification and haven't recieved anything. I filed a FTC report on about accounts that I had no knowledge of. According to the 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2025-02-10 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: AL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 credit reporting agencies and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. They keep saying that the accounts are verified and accurate. I provided them with proof. I also asked for verification and haven't recieved anything. I filed a FTC report on about accounts that I had no knowledge of. According to the 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: IN

Complaint narrative:
I was in an accident the person at fault insurance XXXX XXXX had me go to the chiropractor. I ended up going to the XXXX XXXXXXXX by my house. I could have used the XXXX but XXXX XXXX was paying. Fast forward 3 years I seen XXXX collections on my credit after doing research it was from the accident. While looking at the report it had errors also. It wasnt mine plus errors. I disputed it letting the Experian know of wrong dates and it wasnt mine. I requested through Experian for them to give me a copy of the contract with me agreeing to pay for this. I knew the dont have XXXX like I told Experian because it never happened. While waiting on the results got ahold of XXXX XXXX apparently I was maxed out and wasnt notified of this at all. I thought should be illegal my bill is almost XXXX. I received a total for pain and suffering XXXX. My dispute comes back verified without a contract I immediately disputed again reminding Experian that their job was to report accurately and indorse rules set forth by XXXX credit act. And asked again for the contract set copy of wrong dates stating collection was closed XX/XX/XXXX along with another of my rights are being ignored I was never contacted by this collection agency and still havent been to this day. No contact no report implemented in XXXX are not being followed by collection company and Experian. Again it comes back validated with no contract I have done this 5 times now. Its been well over 30 days ago time line subscribed by fair credit act and cfbc. I ended up finally talking to having to go this route multiple times my rights have been ignored by this collection agency with the blessing of Experian. This has caused me so many sleepless nights and hours of my time fighting for my rights. It is all wrong and demand someone in authority make them realize it. They sre not above the law. Experian has so much power over my day to day life. It has caused my family hardship and it needs to stop. I thought one violation would be good enough but apparently the law doesnt have to be followed if it has anything to do with me. To be honest I dont think there was any kind of investigation

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 2025-02-10 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: AL

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 credit reporting agencies and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. They keep saying that the accounts are verified and accurate. I provided them with proof. I also asked for verification and haven't recieved anything. I filed a FTC report on about accounts that I had no knowledge of. According to the 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-10 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: IL

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 were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle 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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America closed two accounts without notice. Then I received a letter saying they closed them. No actual reason.

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 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FILED ALL THE PROPER REPORTS AND PAPERWORK. THIS IS MY OFFICIAL DISPUTE INFORMING THIS AGENCY OF THESE FALSE ACCOUNTS THAT BEEN PLACED ON MY CREDIT FILE. UNDER THE FCRA ALL FALSE INFORMATION IS TO BE REMOVED AND WITH THAT SAID I RESPECTFULLY ASK FOR THESE FALSE AND FRAUDULENT ACCOUNTS BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
A certified letter was on XXXX XXXX to XXXX XXXX XXXX XXXX requesting validation of debt They have yet to respond to my request for any documentation. Such as a copy of my signed authorization permitting XXXX XXXX XXXX center to release my medical records. To comply with HIPPA and FDCPA.. Under the Health Insurance Portability and Accountability Act ( HIPPA ) I am entitled to protect my private medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation