vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: MD

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : CAPITAL ONE, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX XXXX XXXX, TRUISTXXXX, XXXX XXXX Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim. 


Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and addresses on my credit report. This information is preventing me from attaining my XXXX XXXX XXXX. Please remove this fraudulent information. Thank you. 

Fraudulent Accounts : 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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
There are credit reports that I did not ask for or even know who the company is that requested this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I opened an account with XXXX XXXX on XX/XX/XXXX for {$720.00} and I agreed to pay a lesser amount with the agreement that it will be removed from my credit report. They never did remove it and after disputing it on XX/XX/XXXX the result came back as it will stay on my credit report the {$720.00} is still showing even though I paid the agreed amount. This is very unfair as I thought it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX  XXXX, SIMMONS BANK Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim.

Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error.

If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.

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 2025-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
I received a {$1500.00} XXXX American Express gift card from XXXX XXXX as I was a winner from their XXXX  Am Exp doesn't allow a charge to go through, declines all charges and charges XXXXXXXX XXXX for doing so. It's currently holding a {$850.00} charge as " pending '', but the merchant verified that the charge was denied on their end. I called all morning long, and got representatives in XXXXXXXX XXXX XXXX XXXXXXXX who told me it's my fault or the fault of the vendor. I even saved the information on my XXXX XXXX as I was assured the charges would go through digitally in this manner. Not one charge has been processed, but it shows a balance of {$640.00} for the " pending '' charges and for the XXXX XXXX they charge every time I attempt to use it. The last representative told me it was my fault because I didn't use it directly at the store. How am I supposed to use a XXXX physically at a store? I'm at my wits end. I think they're hoping I give up. I can't imagine all of the people who have been scammed by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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 handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Details : Company Name : Equifax Issue : Failure to verify disputed accounts, failure to provide verification documents, reporting incorrect addresses, possible FCRA violations Date of Incident : XX/XX/XXXX ( the date they closed the last complaint ) Complaint Statement : I am filing a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) due to its failure to properly investigate and verify disputed accounts and incorrect addresses on my credit report. 

On XX/XX/XXXX, and XX/XX/XXXX, I disputed multiple incorrect addresses, unauthorized collections, and charged-off accounts. Equifax responded on XX/XX/XXXX, deleting some items but failing to provide legally required verification for others. 

Equifaxs Clear FCRA Violations : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that if an account is verified, the consumer has the right to know : Who was contacted for verification. 
What documents were reviewed. 
Equifax failed to provide any documentation, making their verification process legally invalid. 
Failure to Remove Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) states that if an account can not be verified, it must be deleted immediately. 
Equifax continues to report incorrect addresses and unauthorized collection accounts without proof. 
Failure to Correct or Remove Incorrect Addresses I disputed multiple addresses that do not belong to me, yet Equifax failed to remove them, violating FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Failure to Provide Data on XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These companies are reporting collection accounts against me, yet Equifax failed to provide : Proof that I owe these debts Original creditor documentation FCRA 1681s-2 ( a ) ( 1 ) states that only accurate and verifiable debts can be reported.

What I Want the CFPB to Do : I request that the CFPB : Force Equifax to provide the legally required verification documents or immediately delete the disputed accounts and incorrect addresses. 
Investigate Equifaxs dispute-handling process for clear FCRA violations XXXX 
Impose financial penalties on Equifax for noncompliance with federal law. 
Equifax is violating federal consumer protection laws, and I demand the CFPB take immediate action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
The insurance have the wrong provider number from the hospital. After multiple calls to the billing department ans my insurance the finally paid it on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
Subject : URGENT - Fraudulent Auto Loan Reporting by Reprise Complaint Details : I am filing a formal complaint against Reprise for fraudulently reporting an auto loan that I have never had and falsely stating that I have made a payment to them. 

I have never taken out an auto loan with XXXX, nor have I made any payments to them. Yet, they continue to falsely report this account to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing any verification or proof that this account is legitimate.

I have disputed this account multiple times with the credit bureaus, yet XXXX has continued to verify this false information without presenting any legally required documentation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692.

What I Am Demanding : 1. IMMEDIATE REMOVAL of this fraudulent auto loan from my credit reports. 
XXXX. FULL VALIDATION If Reprise claims this account is legitimate, they must provide : A signed loan agreement proving I authorized this account. 
A full payment history with timestamps. 
Proof that they are the original creditor or have legal rights to report this debt. 
XXXX. CORRECTION WITH CREDIT BUREAUS Reprise must notify Experian, Equifax, and TransUnion that this information is false and update their reporting immediately.

Failure to Comply : If Reprise does not remove this fraudulent account immediately, I will escalate this complaint further, including : Filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) Contacting my State Attorney Generals Office for investigation Exploring legal action for willful FCRA and FDCPA violations This false reporting is damaging my credit, and I will not tolerate further delays. Reprise must provide proof or remove this account immediately. 

Social Security # XXXX Account Number : XXXX They are also reporting under XXXX different businesses Reprise and Springlight Financial. I AM OVER THE STALL TACTICS!!

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 2025-02-22 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: AL

Complaint narrative:
Subject : URGENT - Fraudulent Auto Loan Reporting by Reprise Complaint Details : I am filing a formal complaint against Reprise for fraudulently reporting an auto loan that I have never had and falsely stating that I have made a payment to them. 

I have never taken out an auto loan with XXXX, nor have I made any payments to them. Yet, they continue to falsely report this account to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing any verification or proof that this account is legitimate.

I have disputed this account multiple times with the credit bureaus, yet XXXX has continued to verify this false information without presenting any legally required documentation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692.

What I Am Demanding : 1. IMMEDIATE REMOVAL of this fraudulent auto loan from my credit reports. 
XXXX. FULL VALIDATION If Reprise claims this account is legitimate, they must provide : A signed loan agreement proving I authorized this account. 
A full payment history with timestamps. 
Proof that they are the original creditor or have legal rights to report this debt. 
XXXX. CORRECTION WITH CREDIT BUREAUS Reprise must notify Experian, Equifax, and TransUnion that this information is false and update their reporting immediately.

Failure to Comply : If Reprise does not remove this fraudulent account immediately, I will escalate this complaint further, including : Filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) Contacting my State Attorney Generals Office for investigation Exploring legal action for willful FCRA and FDCPA violations This false reporting is damaging my credit, and I will not tolerate further delays. Reprise must provide proof or remove this account immediately. 

Social Security # XXXX Account Number : XXXX They are also reporting under XXXX different businesses Reprise and Springlight Financial. I AM OVER THE STALL TACTICS!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : US DEPARTMENT OF EDU XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief