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: 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: OH

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.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inforn 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. 
Dispute XXXX  and XXXX  no resolve.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, you sent me the results of your investigation and stated that my accounts are complete and accurate. 

I reviewed my report and noticed that everything remains the same, despite my dispute. 

According to 15 USC 1681i ( 5 ), you are required to : Promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during the reinvestigation process.

Notify the furnisher of the information that it has been modified or deleted. 
Additionally, under 15 USC 1681e ( b ), you are obligated to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Furthermore, 15 USC 1681s-2 states that : A furnisher shall not report information if they know or have reasonable cause to believe it is inaccurate.

If a consumer has notified the furnisher that certain information is inaccurate, and it is in fact inaccurate, the furnisher must not report it. 
The following account contains inaccurate information : XXXX XXXX  XXXX Potentially Negative Months Credit Usage : XXXX  % Balance : {$460.00} Balance Updated : XX/XX/XXXX Credit Limit : {$500.00} Account Number : XXXX Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Experian did not conduct a real reinvestigation and falsely claimed that the information was verified. I have evidence proving that my dispute was not handled properly. 

I demand that this information be corrected or deleted immediately, as required by law. Please provide me with a detailed response regarding the actions taken.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel student loan debt and update my consumer report to reflect paid in full.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel student loan debt and update my consumer report to reflect paid in full.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel student loan debt and update my consumer report to reflect paid in full.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My info was involved in data breach and I want all accounts deleted from my report inmediately

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My info was involved in data breach and I want all accounts deleted from my report inmediately

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 — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Repeated phone calls Ive asked multiple times for them to stop calling now Im getting phone calls where I answer and no ones on the other line and its just silent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is an account with XXXX XXXX that was a leased vehicle, XXXX I opened this account on XX/XX/XXXX, and it has been paid and closed and now it has been 7 years and 3 months that it has been on my credit report I want this account removed off from my credit report. 

There is an account with XXXXXXXX XXXX XXXX XXXX XXXX  in the amount of {$500.00} credit limit I opened this account on XX/XX/XXXX it has been 9 years and 2 months, I want this account removed off from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Credit, Inc.
State: IL

Complaint narrative:
I wish to remove any inaccurate student loan debt, or debts in my name.

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 — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: GA

Complaint narrative:
West Lake Financial has listed this debt on my credit report as charged off. They have written off this debt and the debt has been paid. They are committing fraud. They have attempted to place judgement on my credit profile for additional money.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$90000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$73000.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$90000.00} XXXX XXXX XXXX Balance : {$90000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i contacted equifax transunion and experian for my credit reports, there is alot of hard inquries on all my credit reports by companies i never heard of nor did i apply for any loans or services from all these companies on TransUnion, Equifax and Experian companies, i had filed several complaints but they refuse to do nothing in which i was recently denied for loan., my credit report and information on my credit reports was data breached in XXXX  social security number too.just finding this out, but i was in the hospital for XXXX XXXXXXXX XXXX XXXX and i missed the deadline to file with the settlement administrator, all my personal information was breached on all my credit reports i am still recovering from a 6 hour operation i had XX/XX/XXXX XXXX i was in the hospital i have a XXXX and XXXX XXXX still helping me to heal and recover thru home visits 2 times a week.till this day. by law all credit reporting must remove all negative inquiries and company inquires within 30 days.please look into this as there are alot of mistakes of late payments as well i should only have 2 inquries on all my credit reports one is from rocket mortgage and thats it.

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: 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. They CFPBs findings indicate that Zelle has not only neglected to protect consumers but 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am submitting this report because XXXX XXXX is inaccurately reporting historical account information to Experian and Equifax. Specifically, they are incorrectly stating that my last payment was made on XX/XX/year>. However, I made two additional payments after that date : XX/XX/year> Payment of {$30.00} XX/XX/year> Payment of {$30.00} ( which was later reversed due to my bankruptcy filing on XX/XX/year> ) Additionally, XXXX XXXX is incorrectly reporting my date of first delinquency as XX/XX/year>. This is inaccurate because I made a payment on XX/XX/year>, which means my account should not have been considered delinquent as of XX/XX/XXXX. My monthly payments were due on the XXXX of each month, therefore the date of first delinquency should have been XX/XX/year>. 

These errors are significantly impacting my credit score. I am requesting that XXXX XXXX update my account history to accurately reflect my last payments and the correct date of first delinquency. 

Thank you for your time and assistance in resolving

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$3200.00} XXXX  XXXX XXXX BALANCED {$780.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. 
The family and educational rights and privacy act ( FERPA ) protects the confidentiality of students records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
About 18 months ago I chose to freeze my credit report information with all 3 repositories in order to prevent fraud. My financial advisors recommend such an action. 

In XX/XX/XXXX we opened a HELCO with Citizens Bank for {$120000.00} to pay for home improvement and taxes. We disbursed the full amount of the HELOC immediately. We have paid in full and on time every month since then. 

In XXXX of XXXX Citizens Bank began to report to the 3 repositories a 'Remarks ' coded as CLS which stands for Credit Line Suspended. The same Remarks has appeared every quarter since then, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any communication from Citizens Bank telling me my HELOC was suspended nor was there any reason to Suspend a HELOC that was already full disbursed and we were not asking for an increase in loan amount or any changes. 

I noticed this on my credit report in late XXXX because it was listed as 'Adverse Information ' by the credit repositories and therefore lowering my credit score significantly. 

In XX/XX/XXXX I called into to Citizens Bank to find out why they were coding my HELOC quarterly as Suspended. They told me that they quarterly they pull my credit report as a standard operating procedures for all HELOCs. They told me that since my credit information was frozen and they could not access it, they Suspended my account. The person I talked thought they would change this information once she submitted my explanation. 

Then in XX/XX/XXXX, Citizen sent me a letter saying 'they never reported me as delinquent ' therefore my case was closed with no changes. They totally missed the point. The Remarks CLS is what I asked to have removed. The repositories consider this Adverse Information.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures 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