vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I have worked hard to maintain an excellent credit history. Unfortunately, like many others, I have fallen victim to identity theft, as well as data breaches involving EQUIFAX and TRANSUNION. In addition to identity theft, I have faced both professional and financial setbacks due to inaccuracies in my credit reports. The credit bureaus ' failure to conduct proper investigations and to correct or remove these inaccuracies has led me to reach out to you for assistance. I have disputed the inaccuracies listed below several times. 

Disputed Accounts : XXXX  XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. I was affected by XXXX and granted relief. 

XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early Hard Inquiries : XXXX XXXX - Duplicate inquiries XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing they have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a ) 2. Copies of all pertinent information related to these items, including but not limited to : -account statements showing the alleged default -proof of legitimate right to report this information -documentation of all dispute investigations conducted 3. Evidence that they have followed " reasonable procedures to assure maximum possible accuracy '' of the information as required by 15 U.S.C. 1681e ( b ) Please note that you under 15.U.S.C 1681i ( a ) ( 1 ), you are required to : Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) -Forward all relevant information to the furnisher -Report the results to me -Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe you must delete them from my credit report as required by the FCRA, 15 U.S.C. 1681 Additionally, please ensure that these items are marked as disputed while your investigation is pending.

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 2025-02-12 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: GA

Complaint narrative:
I have worked hard to maintain an excellent credit history. Unfortunately, like many others, I have fallen victim to identity theft, as well as data breaches involving EQUIFAX and TRANSUNION. In addition to identity theft, I have faced both professional and financial setbacks due to inaccuracies in my credit reports. The credit bureaus ' failure to conduct proper investigations and to correct or remove these inaccuracies has led me to reach out to you for assistance. I have disputed the inaccuracies listed below several times. 

Disputed Accounts : XXXX  XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. I was affected by XXXX and granted relief. 

XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early XXXX XXXX XXXX Acct # XXXX - inaccurately reporting 30 days late on Equifax, Transunion, and Experian. The account was overpaid and paid off early Hard Inquiries : XXXX XXXX - Duplicate inquiries XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request validation and detailed verification of these items. Specifically, I require : 1. Complete documentation showing they have verified the accuracy of these items with the original creditor, as required by 15 U.S.C. 1681i ( a ) 2. Copies of all pertinent information related to these items, including but not limited to : -account statements showing the alleged default -proof of legitimate right to report this information -documentation of all dispute investigations conducted 3. Evidence that they have followed " reasonable procedures to assure maximum possible accuracy '' of the information as required by 15 U.S.C. 1681e ( b ) Please note that you under 15.U.S.C 1681i ( a ) ( 1 ), you are required to : Complete your investigation within 30 days ( 45 days if I provide additional relevant information ) -Forward all relevant information to the furnisher -Report the results to me -Provide a free copy of my credit report if the dispute results in a change If you can not provide complete verification and validation of these items within the statutory timeframe you must delete them from my credit report as required by the FCRA, 15 U.S.C. 1681 Additionally, please ensure that these items are marked as disputed while your investigation is pending.

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 2025-02-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: DE

Complaint narrative:
GM FINANCIAL is shown as a closed acct paid in full when it should have been removed off report as I was told and is showing late payments on report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 explanation
Consumer complaint received 2025-02-12 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Care credit has a interest rate that takes up all of your payments, so you will never be able to get it paid up, in XX/XX/XXXX it was XXXX dollars they would charge, they said low interest until your XXXX month is up and I completely agreed with that, I wasn't able to get it paid in time due to other bills, I never dreamed it would be this high my payment was a minim of XXXX a month and I always paid more and on time, in XXXX they charged XXXX dollars interest also in XXXX I then made XXXX payments XXXX for XXXX and XXXX and in XXXX they charged me XXXX dollars and put card security on there without me knowing it so it was an extra fee, I made a payment for XXXX to cover that and got the card security taken off, XXXX they charged me XXXX dollars for interest made XXXX payments in XXXX interest still was XXXX and XXXX, XXXX rolls around and now interest is at XXXX dollars, didnt know it went up, so card is now in the minus, XX/XX/XXXX mad a payment for XXXX didnt know it went up still, but caught it and now the interest is XXXX and my card remains in the XXXX dollars, someone needs to stop this company from screwing people over, I contacted them and all they can say is well you didnt pay it off in XXXX  months time, they need to be shut down, i was just getting good credit and now my credit score has gone down because of this, they need to stop messing with peoples life and let them pay it instead of putting the money in there pockets and start caring about others i also heard form other people once you pay it off they close it on you

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 

My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void. 


XXXX site keeps crashing and will not allow for disputes at this time. XXXX XXXX keeps crashing anytime I put in a dispute as well. Says oops something went wrong. Try again later

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 2025-02-12 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: CT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-12 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ok I was leaving here in this apartments they send to me a promotion to move to another more big apartment and I says no because Im going back to my family. My lease was due and I just move out later I check Y credit and have a collection debit for lease broker I never signed that lease a lot people has a complaint about this apartments company I do not have money for lawyers It is not right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER XX/XX/XXXX I DID I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you '' verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have NOT provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section511 ( 5 ) ( A ) of the FCRA- you are required to " ..immediately DELETE all information that can not be verified. " The law is very clear as to the civit liability and remedy available to me for " negligent default '' ( Section617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 
I demand that the following accounts be verified or deleted immediately 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts currently appearing on my credit report.

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 2025-02-12 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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