vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid for credit monitoring and fraud protection with Experian and even with my freeze activated hard inquiries are still able to be on my credit report. Also, there are a number of accounts with wrong information still on my account after I report it to the agency about the misinformation they told me an investigation would be underway, but nothing ever came from it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Experian- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear Experian, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau ( CFPB ) against your organization. 

According to the CFPB, Experian has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that Experian has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - US Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX XXXX - Regional Acceptance These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that Experian has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

Sincerely, 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 2025-01-22 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: GA

Complaint narrative:
I am a victim of identity theft which I have proved numerous times and sent in my identity theft reports. The company fails to properly investigate the reports. We also have a litigation case which wa suppose to be fixed and I am still dealing with the same issues. Due to the company 's failure to properly investigate and correct these inaccuracies, I have suffered financial harm, including but not limited to : Denied Credit Opportunities : I have been denied credit or subjected to unfavorable terms based on inaccurate information.

Emotional Distress : The ongoing inaccuracies have caused significant stress and inconvenience.

Financial Losses : Higher interest rates and lost financial opportunities due to incorrect credit reporting.

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 2025-01-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft which I have proved numerous times and sent in my identity theft reports. The company fails to properly investigate the reports. We also have a litigation case which wa suppose to be fixed and I am still dealing with the same issues. Due to the company 's failure to properly investigate and correct these inaccuracies, I have suffered financial harm, including but not limited to : Denied Credit Opportunities : I have been denied credit or subjected to unfavorable terms based on inaccurate information. 
Emotional Distress : The ongoing inaccuracies have caused significant stress and inconvenience. 
Financial Losses : Higher interest rates and lost financial opportunities due to incorrect credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to formally, expressed my concern in regarding Zelle handling of dispute particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Using Zelle numerous times and reporting. discrepancies my financial institution, and Zelle failed to investigate my claim adequately. They informed me that recovering loss funds was impossible, and that tracking these transactions was unfeasible. The CFPB s find these indicate that Zelle has not only neglected to protect consumers, but has also allow 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 2025-01-22 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: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-01-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a Chase Sapphire Preferred account with Chase that was closed. I'm trying to move my assets to Chase Bank ( Checking, Savings and Investment ). As part of that process, I need to re-open that account. The credit card account in question shows up in my online account, I just need to re-open it so that I don't have to re-apply for the card. If Chase can re-open it and change the Preferred to Reserve even better. I'd be happy to pay the annual fee right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up for a promo for opening a new checking account. I met all checking requirements to receive the promo. There was an issue with my login to the bank 's system so I could not readily view my funds so I transferred the funds to a bank who's online banking system worked. Upon meeting the deposit requirements, they sent me an email saying that I will not be receiving the promotional deposit as my account was at {$0.00} at the time of verification. I requested documentation that my account was verified within their average time of verification which could not be provided after being escalated to XXXX and then XXXX- who was supposedly speaking with the research team. My complaint is how are customers supposed to know that Truist does not have an algorithm that automatically verifies the accounts eligibility when it shows a XXXX balance. They have lost almost 24 % of their stock price over the past 3 years and I assume they would want to keep as much money as possible. Most companies wait until the last day possible to award any type of promo such as this, but Truist decided to verify my account within 1 week of meeting the requirements when they noted a 4 week window. All I asked for was some type of documentation showing their average verification time and the percent of account promos they decline because of this. After being on the phone for 1 hour and speaking with 3 different individuals this was not provided. I assume since they are a publicly traded company by XXXX this would be a standard auditable document. Upon not being able to satisfy my request and the denial of my promo I closed my account and I am now submitting my complaint to the CFPB, XXXX  and the Comptroller.

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 2025-01-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV Funding LLC, I am writing to formally notify you, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), that I am requesting that you immediately cease all communications with me regarding the alleged debt referenced in your previous correspondence.

As provided by 15 USC 1692c ( c ), I am exercising my right to request that you cease further contact with me in regard to this matter. Specifically, I request that you refrain from making any further telephone calls, letters, or other forms of communication with me, whether directly or through any third party, regarding this debt.

Please be advised that continued contact after this request may be deemed a violation of the FDCPA and could subject your agency to legal action.

Furthermore, I request that any future communication be limited strictly to written correspondence sent to my address listed above, and only if required by law. 

If you continue to contact me after this notice, I will take further legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
On XX/XX/year>XXXX  I woke up with an alert notification via XXXX that my profile has been flagged and added a collection debt from Harris & Harris LTD in the amount of {$210.00} I have not receive not one letter explaining that there was an attempt to collect a debt, nor do I have an account w/ this debt collection agency. I am demanding that this is removed from all ( 3 ) bureaus and that said company submit in writing actual proof with signature showing that I owe this alleged debt. How dare these companies just place something on my credit files without proving that I owe the debt in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I want to express my concerns regarding Zelles handling of disputes partially in light of recent CFPB lawsuit highlighting significant issues in the platform. Zelles failed to investigate my claims adequately. They said recovering lost funds was impossible and could not track. CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system. Letting users get scammed. Theres is a lot of consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Mo XXXX XXXX XXXX XX/XX/year> Experian Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Resolution Team, I am writing to formally dispute inaccuracies on my credit report, as these errors have significantly affected my credit standing. Despite multiple attempts to resolve these issues through your dispute process, the inaccurate information remains uncorrected, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, alleging failures in properly investigating disputes and addressing inaccuracies. The issues raised in that case mirror my experiences. These include : Failure to remove or correct disputed accounts despite clear evidence of errors. 
Lack of transparency and adequate responses during the dispute process. 
Re-reporting of inaccurate information after disputes were resolved. 
Attached are the following documents to support my dispute : A copy of my credit report highlighting the inaccurate items. 
Evidence supporting my claims, including payment records, correspondence with creditors, and previous dispute resolutions. 
Identification documents to verify my identity. 
I request that you : Reinvestigate the disputed items thoroughly and fairly. 
Provide me with a detailed response and explanation of your findings. 
Remove or correct all inaccuracies immediately. 
Please note that if these issues remain unresolved, I am prepared to escalate this matter to the CFPB or pursue legal action to protect my rights. 

I appreciate your prompt attention to this matter and request a response within 30 days, as required by the FCRA. You may contact me directly at XXXX or via email at [ Your Email Address ] for any additional information needed to resolve this matter. 

Sincerely, XXXXXXXX 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 2025-01-22 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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. 

XXXX  ( XXXX  ) XX/XX/year>XXXX XXXX XXXX  ( XXXX  ) XX/XX/year> XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> XXXX  ( XXXX ) XX/XX/year> XXXX  ( XXXX  ) XX/XX/year> XXXX XXXX  ( XXXX  ) XX/XX/year>

Company response to consumer: Closed with non-monetary relief