vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of York, Inc.
State: NY

Complaint narrative:
I lived at XXXX place from XXXX When I signed my lease i paid XXXX  month rent ( XXXX ) and security the security deposit ( {$1000.00} ) was supposed to be refunded when you move out of the apartment Ive sent emails and gave a forwarding address to receive funds I have never received when I inquired about the security deposit via email I never got a response but I have a collection on my credit in the amount of {$2200.00} that they failed to bring to my attention I have never received notification or reasoning behind the collection nor have I received my security deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Subject : Complaint Regarding Credit Limit Reduction on Apple Card To Whom It May Concern, I am writing to file a formal complaint regarding the sudden and significant reduction of my credit limit on my Apple Card issued by Goldman Sachs. My credit limit was reduced from {$4500.00} to {$500.00} without prior notice, and the stated reason was a drop in my credit score.

I have always been a responsible cardholder, consistently paying my balance in full and on time. This decision has negatively impacted my financial planning and could potentially harm my credit utilization ratio, which in turn might further affect my credit score.

I kindly request clarification regarding : 1. Whether I can appeal or request a reconsideration of my credit limit.

Thank you for reviewing my complaint. I look forward to your response and resolution of this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: VA

Complaint narrative:
Good day, the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. Thanks

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 2025-01-23 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: FL

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

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 2025-01-22 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors.

Lack of transparency and adequate responses during the dispute process.

Re-reporting of inaccurate information after disputes were resolved.

Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items.

Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute
resolutions.

Identification documents to verify my identity.

I request that you : Reinvestigate the disputed items thoroughly and fairly. Provide me with a detailed response and explanation of your findings.

Remove or correct all inaccuracies immediately.

Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights.

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ XXXX XXXX XXXX ] for any additional information needed to resolve this matter. 

Sincerely, 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ).

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors.

Lack of transparency and adequate responses during the dispute process.

Re-reporting of inaccurate information after disputes were resolved.

Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items.

Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute resolutions.

Identification documents to verify my identity.

I request that you : Reinvestigate the disputed items thoroughly and fairly.

Provide me with a detailed response and explanation of your findings.

Remove or correct all inaccuracies immediately.

Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights.

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ XXXX XXXX XXXX ] for any additional information needed to resolve this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
The company is reporting on experian and XXXX account status as collection and on XXXX XXXX accounts status open i call this company several times asking for a letter confirming if i paid off the collection balance even tho its reporting wrong information to the bureaus can it be removed from my account prior to be paying the balance they said they will send a email confirming they never did truthfully i dont even remember this account i just need it off my account its hurting my home buying process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
While reviewing my XXXX credit report I noticed several hard and soft inquiries that I did not make and would like them removed from my credit report. Their instructions for having them removed involves a formal FTC fraud complaint which I can not make because no account was actually opened only the inquiries made for the attempts so I can not send them what is being requested.

I need help getting these inquiries removed.

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 2025-01-23 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: CA

Complaint narrative:
While reviewing my XXXX credit report I noticed several hard and soft inquiries that I did not make and would like them removed from my credit report. Their instructions for having them removed involves a formal FTC fraud complaint which I can not make because no account was actually opened only the inquiries made for the attempts so I can not send them what is being requested.

I need help getting these inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am following a complaint against Cash App ( Block, Inc. ). Due to inadequate customer service and unfair practices that violate the consumer financial protection act. Specifically cash app failed to take timely and reasonable measures to prevent fraud and information such as email leaks as well as address fraud. Leaving my account and personal information vulnerable. Furthermore, the dispute process was deceptive and unfair. And they did not follow dispute regulations lined out under the electronic funds, transfer act. The reason stated above, have caused immense loss of time and finances due to the lack of oversight and procedure. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I dispute incorrect account number and open date on my credit report with Experian XXXX the debt collector ( XXXX XXXX XXXX XXXX has different account number and open date from the original creditor. This is false and misleading information according to FDCPA 15 U.S CODE 1692e.

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 2025-01-23 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: PA

Complaint narrative:
Gave child support my credit information without my 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Gave child support my credit information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. I ask Experian XXXX and XXXX Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong to me.To delete and block the follow fraudulent accounts, per the FCRA 605B. 
See attached

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation
State: FL

Complaint narrative:
When I first opened a credit account with XXXX XXXX XXXX, I only used the card a few times, and I always paid the balance in full. However, I had to file XXXX disputes with the company after discovering that someone had used my account without my authorization, even though I still had possession of my card. I was informed that the unauthorized charges were made using an identification card. I believe the charges that are hitting my credit repeatedly are do to fraud that has been done on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
I really need you to take this complaint seriously and review the attached file. I've been trying for what feels like forever to get the errors on my credit report corrected, but nothing has changed. My attempts to have this inaccurate information fixed have been repeatedly ignored, and I can't keep going like this. It's impacting every part of my life, and the stress is starting to affect my mental health. It's also made it impossible for me to get the help I need, all because of a low credit score that's the result of these mistakes.

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 2025-01-23 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:
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, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

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 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: TX

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 2025-01-23 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 requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

THE DISPUTE File Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MY CREDIT REPORT IS NOT SHOWING THE ENTIRE ACCOUNT NUMBERS

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