vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: DE

Complaint narrative:
Warning Regarding Stall Tactics in Credit Dispute Investigations To Whom It May Concern, I am writing to formally notify you that I am fully aware of the use of stall letters as a tactic to delay the proper investigation of credit report disputes under the Fair Credit Reporting Act ( FCRA ). I want to be clear that any attempts to use such tactics will be considered a violation of my rights as a consumer under the FCRA.

I have provided all the necessary documentation to verify my identity and the legitimacy of my disputes, including [ list documents : copy of ID, social security card, proof of address ].

Therefore, I expect that my dispute will be properly investigated within the timeframe
mandated by the FCRA.

FCRA 1681i requires that credit reporting agencies conduct a reinvestigation of disputed items, and failure to do so in a timely and thorough manner will result in a legal response to protect my rights. I will not tolerate any attempts to delay or avoid a legitimate investigation through the use of unnecessary or unwarranted stall tactics.

Please ensure that this matter is handled swiftly and in compliance with federal regulations.

If my rights are violated again by any further stall tactics, I will pursue legal action to seek appropriate remedies under the law. 
Thank you for your prompt attention to this matte

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 2025-02-28 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: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries XXXX XXXX XXXX Date XX/XX/year> 2024

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 2025-02-28 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: WI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf regarding late payments discovered on my credit record. Despite sending letters over 30 days ago requesting validation, I have not received any response, and they have failed to provide me with satisfactory validation of these entries. This lack of response and validation has created an ongoing issue with my credit report that needs immediate resolution.

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 2025-02-28 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: FL

Complaint narrative:
Upon reviewing my consumer reports, I discovered some instances of late payments on my auto loan account western funding. which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect my true status as on time, as I have consistently upheld my payment obligations without delay.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
Upon reviewing my consumer reports, I discovered some instances of late payments on my auto loan account western funding. which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect my true status as on time, as I have consistently upheld my payment obligations without delay.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
The company Shellpoint mortgage reported missed payment on XX/XX/year> when the account was under a forbearance/ loan modification process ... ... ......

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered accounts on my credit report that do not belong to me, and I have no association with them in any way. This situation is not only unjust but also extremely stressful and alarming. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to an accurate and truthful credit report. These errors should not be negatively impacting my financial reputation. I demand a full and immediate investigation into these discrepancies, and I expect them to be corrected promptly. If this issue is not resolved to my satisfaction, I will be forced to take legal action to ensure my rights are protected.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint with the CFPB against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ). Equifax is reporting inaccurate information on my credit file without my authorization, which has severely impacted my financial stability. I recently obtained a copy of my credit report and discovered unauthorized and inaccurate accounts that must be immediately deleted : XXXXXXXX XXXX ( Account Number : XXXX ) and XXXX ( Account Number : XXXX ). Equifax has violated 15 U.S.C. 1681b ( 2 ) Permissible Purposes of Consumer Reports, which explicitly states that a consumer report can only be furnished in accordance with the written instructions of the consumer to whom it relates. I never provided Equifax with written authorization or consent to report these accounts. Additionally, Equifax has failed to uphold 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy, which requires consumer reporting agencies to ensure the highest level of accuracy. The information reported about these accounts is inconsistent with other credit bureaus, raising concerns about their validity. Beyond violating federal law, Equifaxs actions have caused severe emotional and financial harm. Due to this inaccurate reporting, I have been unable to secure a mortgage, leaving my family in an unstable housing situation. This situation is devastating, and I am seeking immediate intervention from the CFPB to hold Equifax accountable. Furthermore, Equifaxs reckless reporting has resulted in alleged identity theft and defamation of character, causing unnecessary hardship. Their failure to comply with federal regulations demonstrates willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, making them liable for damages of up to {$1000.00} per violation. I am demanding that Equifax immediately delete this inaccurate account from my credit report. I also request that Equifax send me a written confirmation within 14 days stating that the account has been deleted and provide me with an updated copy of my credit report. I urge the CFPB to step in and ensure that Equifax is held responsible for these violations. No consumer should have to suffer due to Equifaxs negligence. I appreciate your assistance in resolving this matter and ensuring my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CT

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-28 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
XXXX XXXX & XXXXXXXX XXXX XXXX reappears on my credit report for late payments.These accounts has been paid and closed back in XXXX. 

Upon reviewing my consumer reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies Play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy.i have never missed a payment on the following account.

According to 15 U.S. Code statute 1681e compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-28 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have discovered unauthorized accounts that were opened in my name without my permission or knowledge. I believe this is a case of identity theft, and I am taking immediate steps to resolve the issue. I am requesting that you investigate this matter and take appropriate action. 
Below are the details of the unauthorized accounts : XXXXXXXX XXXX XXXX XXXX XXXX loan for {$6800.00} And another for {$4000.00} were taken Out. 
XXXX of XXXX on XXXX XXXX a loan for {$5300.00} And {$4000.00} a loan was taken out I discovered these loans XX/XX/2025 And they are unauthorized I did not open or authorize these accounts. They are fraudulent and were opened without my consent, potentially resulting from identity theft. As such, I request that these accounts be closed immediately, and any fraudulent charges or activities be removed from my credit file.Please consider this letter a formal request under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ). These laws provide the following protections : 1Fair Credit Reporting Act ( FCRA ), Fair Credit Reporting Act ( FCRA ), Section 605B : Under the FCRA, I am entitled to dispute fraudulent accounts and request their removal from my credit report. 
Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 : This law criminalizes the use of another persons identity to open accounts, and I request that you investigate this matter under these legal provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I moved out of an apartment when my lease was up I do not owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
I am writing to formally dispute incorrect information currently listed on my credit report. Upon reviewing my credit file, I found that certain details are inaccurate, and this erroneous information is severely impacting my credit score. I demand immediate action to correct these inaccuracies and ensure that my report reflects only accurate, verified data.

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX, I pre-purchased skiing lessons from a company called XXXX 'XXXX  XXXX XXXX XXXX. XXXX 'XXXX  XXXX XXXX then reached out to me on XX/XX/XXXX before the date of the lessons to tell me that they would not be open on the dates of my travel, and on XX/XX/XXXX the company told me they would refund my money. However, the company only refunded {$XXXX} out of the {$XXXX} that I paid for the lessons. I called USBank XX/XX/XXXX to dispute the remaining {$XXXX} that was still charged to my card. USBank initially reversed the remaining transaction, but on XX/XX/XXXX, I noticed my card was charged that {$XXXX} again. When I contacted USBank again by phone, I was told that I should have received some sort of affidavit to complete and return by mail, but I had not and the rep told me they would resend it and open an escalation. On XX/XX/XXXX, I called again because I still had not received any paperwork from them, and I was told to keep waiting for it to come in the mail. As of today, I still have not received any paperwork that to fill out, and USBank still has not corrected the charges because of that missing paperwork.

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 monetary relief