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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: PA

Complaint narrative:
LexisNexis is continue to be noncompliant to the fair credit reporting regarding providing a consumer, their credit report and to dispute an accurate information on XX/XX/XXXX I cent in a dispute for an accurate information on my credit report specifically inaccurate mailing addresses and a judgment.. I also requested my credit file to check it for other inaccuracies to which this company keep stating they can not authenticate my identity, however I have sent in all requested documents. I have even got a certified notarize letter stating the following documents were sent dispute letter, photocopy ofSocial Security card, photocopy of ID and a bank statement to which this company keep stating that they can not authenticate my identity. Furthermore XXXX months prior to this my identity was verified and no personal information has changed since then. I believe this company is interfering with me getting and making corrections to my credit file.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 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 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Car payments and credit card payments with XXXX  XXXX XXXX  days late for XXXX and XX/XX/XXXX. XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX. XXXX XXXX XXXX XXXX is showing late payments XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX credit card is showing XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX, XX/XX/XXXX and 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 2025-01-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Car payments and credit card payments with XXXX  XXXX XXXX  days late for XXXX and XX/XX/XXXX. XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX. XXXX XXXX XXXX XXXX is showing late payments XX/XX/XXXX and XX/XX/XXXX. XXXX  XXXX credit card is showing XXXX  days late XX/XX/XXXX and XXXX  days late XX/XX/XXXX, XX/XX/XXXX and 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX I received a phone call from Transworld Systems Inc., and the representative I spoke with was rude, disrespectful, and used an unprofessional tone throughout the conversation. Specifically, this floor lead named XXXX spoke to me in a demeaning manner telling me Well now you owe the full {$23000.00}, now have a nice day! after I was just trying to constantly explain to her that another representative told me I could pay a certain amount and keep my settlement. She was very argumentative and condescending! 

This experience left me feeling distressed, intimidated, embarrassed, and no longer wanting to do business with this company because this situation is already stressful enough as Im just trying to make ends meet and still take accountability for debts to clean up my credit profile. I understand that debt collectors must adhere to the guidelines outlined in the Fair Debt Collection Practices Act ( FDCPA ), and I believe their actions violated these standards. 

I request that the CFPB investigate this matter further and ensure that Transworld Systems Inc. is held accountable for their actions. I also ask that you remind them of their legal obligations to treat consumers with respect and provide clear, accurate information. 

Please let me know if you require anything more of me. I appreciate your assistance in addressing this issue.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX - XXXX - {$0.00} XXXX  - XXXX - {$0.00} XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX XXXX {$0.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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: 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 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 2025-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Subject : Formal Request for Account Removal Due to Improper Investigation Practices Dear Experian and XXXX, I am writing to formally dispute the accuracy of the following accounts currently listed on my credit report and request their removal due to a failure to comply with proper investigation procedures as outlined under the Fair Credit Reporting Act ( FCRA ). 

The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Under the FCRA, specifically Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a thorough and accurate investigation of disputed accounts. Furthermore, Section 611 ( a ) ( 5 ) ( A ) mandates that inaccurate or unverifiable information must be promptly deleted from the consumers file. In this instance, the investigation conducted on these accounts failed to meet these requirements due to the following reasons : 1. Lack of Proper Verification : The responses provided as part of the investigation did not include sufficient documentation or proof to validate the accuracy of the reported accounts.

2. Failure to Obtain Adequate Documentation from Furnishers : The investigation relied solely on electronic data verification, which does not constitute a valid method of compliance under the FCRA.

3. Incomplete Investigation Practices The investigation failed to address specific evidence I provided in my initial dispute, leaving unresolved questions about the accuracy of the accounts. 

Given these procedural violations, I am requesting that the above-referenced accounts be permanently removed from my credit report. Failure to address these issues not only violates the FCRA but also undermines my rights as a consumer to have an accurate and fair credit report. 

I am also requesting that you provide the following within the legally required time frame : - Documentation and evidence used to verify the accuracy of these accounts. 
- Details of the investigation process conducted, including communications with the furnishers. 

If the credit bureau can not provide proper verification as required under the FCRA, the accounts must be deleted immediately. 

I appreciate your immediate attention to this matter. Please provide confirmation of the actions taken regarding this dispute in writing within the required time frame of 4 days. Should you need additional information, feel free to contact me directly at the email address listed above. 

Thank you for your prompt attention to this matter. 

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 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were not properly investigated when I submitted a dispute.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian, XXXX and XXXX improperly reinserted inaccurate information on my consumer reports that was previously disputed and deleted XXXX  months ago.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  - XXXX - {$2000.00} XXXX XXXX XXXX - {$0.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they failed to update and change this information after I submitted the documentation. 

Incorrect addresses 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 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 2025-01-25 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 was apart of the Data Breach at Equifax. I only found out yesterday. I looked over my credit report and found a lot of false information. Even for old accounts, I have amounts that supersede the card limits and charge off that should be removed. I have names on my credit report that I have never used. Inquiries I never asked for.there are several cars and maybe apartments inquiries I never looked into. I noticed too many collections on there as well as miss spelling of my name and version of my name i never used. I see addresses I never lived or heard of and would like all these removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Citibank concerning my Certificate of Deposit ( CD ) account. The letter incorrectly stated my name as XXXX XXXX ( see attached ). Kindly note, my legal name is XXXX XXXX XXXX XXXX I have attached a copy of one of my accounts that I opened on XX/XX/XXXX in my legal name, as stated above. Also, I attached a copy of the CD account I initially establised on XX/XX/XXXX in my legal name XXXX XXXX for your review. My Citibank accounts were all opened in my legal name XXXX XXXX XXXX I have never requested my name to be changed to XXXX XXXX. Kindly see my passport identification page and my NYS Driver License with my legal name, XXXX XXXX and my home address. 

Upon receiving the letter about the CD account on XX/XX/XXXX, I logged into my online banking account and noted that my name was also changed to XXXX XXXX on my Citibank profile. 

On XX/XX/XXXX, I immediately called Citibank and spoke with a Citibank customer service representative and a Citibank supervisor about the incorrect name on the letter and on my online banking profile with all my personal accounts with Citibank. They had no explanation as to why my name was changed, without my permision. However, they both told me that Citibank will mail a form to me and that I should complete it and mail it back to them and that within 7-15 business days Citibank will remove XXXX XXXX and update my name with my legal name, XXXX XXXX XXXX 

Kindly note, I did not request a name change at Citibank nor did I authorize a name change with a Citibank representative. I explained this to both of these ladies. They reiterated their statement that Citibank will mail a form to me to update my accounts with the name change. Again, I did not request that Citibank change my legal name, XXXX XXXX that is on all communications from Citibank prior XXXX receiving this letter today on XX/XX/XXXX, to XXXX XXXX XXXX The Citibank representatives were unable to provide an explanation about the change of my name on my accounts. 

The problem that Citibank created is that they changed my legal name, XXXX XXXX on all my accounts to XXXX XXXX without my permission. 

This situation happended in XXXX, as well. At that time, I went into the local branch in XXXX, New York and completed the forms that Citibank mailed to me to get Citibank to correctly reflect my legal name XXXX XXXX on all my accounts and remove the name of XXXX XXXX XXXX my bank accounts. 

Citibank 's practice of changing my name internally without my permission is unprincipled and deceptive. I am asking for help in this matter to protect my assets at Citibank.

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