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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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, an 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 2025-02-13 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
THE XXXXXXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX is claiming that I owe them debts on several accounts This is not my debt I am am not the correct entity See FTC XXXX report : Consumer Report To The FTC FTC Report Number XXXX I lawfully demand this be deleted off of my consumer report this debt is not mine and I am not lawfully obligated to this company nor have I signed any contract with them According to the law the CFPB has failed to comply with their policy and not investigated this inaccurate information nor verified it and in accordance with the FDCPA it must be deleted The CFPB has not preformed according to its policy timelines of investigation nor preformed according to its policy to insure the accuracy of my report I demand the CFPB to inform XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of their false claims and to remove them off of my consumer report immediately. 
The time limit is far past due of the CFPB 's investigation on this matter and arbitration and or litigation shall be pursued in the event that the CFPB continues to not comply with its policy. 
I request to be sent an updated credit report and confirmation of these corporations claims being removed/deleted from the consumer report in connection with my account.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-13 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 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 had also allowed repeat offenders to exploit the system, leaving users to scams. This lack of accountability and transparency is highly unacceptable and raises serious concerns about consumers 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

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 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: NE

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 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 2025-02-13 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : I am writing to formally dispute an unauthorized inquiry that appears on my credit report. This inquiry is a violation of several federal statutes designed to protect consumers, including the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The specific statutes that have been violated include : 15 U.S. Code 1681b Permissible Purposes of Consumer Reports : This section restricts access to credit reports without explicit consumer authorization or a legitimate purpose.

15 U.S. Code 1681e ( b ) Accuracy of Credit Reports : Consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Consumer Reports : This section specifies the types of information that should not appear on a credit report.

15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information : This law mandates that financial institutions obtain a consumers consent before sharing personal financial information with third parties.

15 U.S. Code 6803 Disclosure of Privacy Policies : Institutions must provide clear and accurate disclosures of their privacy policies regarding how consumer data is shared.

18 U.S. Code 1028A Aggravated Identity Theft : Unauthorized use of personal identifying information can constitute identity theft, which carries serious legal consequences.

The inquiry I am disputing was made without my knowledge or written consent. This unauthorized inquiry is both inaccurate and a violation of my rights under the aforementioned statutes.

Given the legal implications, I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report.

Ensure that your procedures for verifying inquiries comply with the above federal statutes.

Send me an updated copy of my credit report reflecting this correction.

I have attached copies of my identification and proof of my current address for verification purposes.

Thank you for your prompt attention to this matter. I expect a response confirming the removal of the unauthorized inquiry within 30 days of receiving this letter. If no action is taken, I reserve the right to pursue further legal remedies. 

Sincerely, XXXX XXXX XXXX Attachments : Photo identification document Proof of current address

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX - XX/XX/year> to all credit bureaus Transunion, Equifax and Experian. I have each confirmation number for each I have disputed all negative reports on my credit report. And have requested for each be removed immediately. 15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer information, including consumer credit information. This particular section addresses the requirements for assuring maximum possible accuracy in consumer reports.

Specifically, 1681e ( b ) states that a consumer reporting agency must follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the individuals about whom they report. If a consumer reporting agency fails to meet these standards and the information provided results in an inaccurate consumer report, it may be liable for any damages suffered by the individual as a result of that inaccuracy.

In summary, 15 U.S.C. 1681e ( b ) is designed to protect consumers by mandating that credit reporting agencies take steps to ensure the accuracy of the information they provide. If you need more specific details or have specific questions related to this statute, feel free to ask!

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: TX

Complaint narrative:
XXXX - XX/XX/year> to all credit bureaus Transunion, Equifax and Experian. I have each confirmation number for each I have disputed all negative reports on my credit report. And have requested for each be removed immediately. 15 U.S.C. 1681e ( b ) is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer information, including consumer credit information. This particular section addresses the requirements for assuring maximum possible accuracy in consumer reports.

Specifically, 1681e ( b ) states that a consumer reporting agency must follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the individuals about whom they report. If a consumer reporting agency fails to meet these standards and the information provided results in an inaccurate consumer report, it may be liable for any damages suffered by the individual as a result of that inaccuracy.

In summary, 15 U.S.C. 1681e ( b ) is designed to protect consumers by mandating that credit reporting agencies take steps to ensure the accuracy of the information they provide. If you need more specific details or have specific questions related to this statute, feel free to ask!

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 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello. On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, I received a message from my bank asking to verify a transaction for {$2200.00} at XXXX XXXX. I answered " No '' immediately as I was in my house which is in XXXXXXXX XXXX and realized that my wallet was lost ( Which included my driver 's license and Citi Credit Card ) I quickly called the bank and reported that, and we found out about other transactions already posted ( XXXX $ + $ XXXX $ XXXX $ XXXX {$4100.00} ) totaling more than {$16000.00}. All these transactions were made in XXXX XXXXXXXX XXXX  I live in XXXX. I waited almost XXXX months for my bank to reach out to me the first time after the disputes were made. They told me that they would not be continuing some kind of investigation without any police reports, and also, they also wanted me to send them my new Driver 's License, they told me if I still did not get the new one, I should do it and send it to them too. I asked them why they wanted it after XXXX months and if they could have just asked for it at the beginning when I opened the disputes. That is because at the beginning I was asking them what they needed me to do to help them they answered they did not need anything and that if they did they would tell me. After XXXX months, they asked me why I did not get my police report in a very bad and surprised manner. That is ridiculous! I asked them why those transactions amounting to more than $ XXXX went through without them contacting me first. I have other credit cards that I try to put gas in my car with just XXXX miles away from my house which is an unusual activity, the bank immediately calls me to verify it before letting that transaction go through. Now, my card was used in a different state they did not even bother to verify those huge amounts in an unusual zip code. They said just sorry about it. Long story short, I sent whatever they needed the next business day, the police report along with my new DL, and the same day they told me they had denied my claim again and that I was responsible for those charges.

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 2025-02-13 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan opened at Affirm on XX/XX/XXXX under the account number XXXX, an phone account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections 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 items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-02-12 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is refusing to remove an outdated and inaccurate public record from my credit report. They originally reported a lawsuit as a public record ; However, the lawsuit was dismissed without prejudice, meaning there was never a final judgment against me. 

Despite providing official court documents proving the dismissal, TransUnion has failed to update my credit file and continues to report the lawsuit as an active public record, which is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of reported information. Since this lawsuit has been dismissed and is no longer valid, it should not be reported on my credit file. 

TransUnions refusal to correct this misinformation is harming my credit and violating FCRA regulations. I am requesting the immediate removal of this dismissed lawsuit from my credit report. If this is not corrected, I will escalate this matter further.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
XX/XX/year>. I got call from Harris & Harris about a debt. XXXX. I never received any notification about this debt prior by mail or otherwise. XXXX. They agreed to send a letter of deletion of the debt for a pay to delete deal. I paid the debt and called back the same day. They said I must wait for it to process a couple days. I called back XX/XX/XXXX. They confirmed it was deleted but refused to honor the pay to delete agreement. The agreement was verbal. They said they did recorded lines so full copies of the conversation should prove they agreed. The violations they have committed are XXXX. False and Misleading Representation Under 15 U.S.C. 1692e ( FDCPA ) and California Civil Code 1788.17, debt collectors can not make false promises to induce payment.

2. Failure to Honor a Verbal Agreement If an agreement was made in good faith, your failure to fulfill it constitutes unfair and deceptive business practices.

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: 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a late report on my credit profile that shouldnt belong. I have recently went and spoken with the branch manager, and they have also agreed I have never been late on payments. They told me that they will fix the error due to them hiring new clerks, and it being her fault. I was told that I would not have to worry, but I still got a late report and now theyre telling me its nothing they can do and they are sorry. I would like this late removed off my profile immediately.

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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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