vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
. I am writing to bring to your attention a matter concerning inaccuracies in my credit report, specifically related to outdated personal information, including my name, address, and employment details. Also XXXX XXXXXXXX bureaus is reporting different information and accounts with different amounts and collections. I believe that this issue may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to rectify it. 

Upon reviewing my credit report provided by XXXX I discovered that the following inaccurate information is listed : 1. **Name : ** The report contains an old version of my name, which I legally changed on XX/XX/XXXX. The report should reflect my current legal name : 2. **Address : ** The report lists previous addresses where I have not resided for over 20 years.

3. **Employment : ** old employers are reporting along with current employer. My employment history is essential for my creditworthiness, and having outdated employment details can significantly impact my credit profile. 

4. **Old accounts that have been disputed and have not been validated These inaccuracies not only misrepresent my personal information but may also lead to potential issues with credit applications, insurance rates, and other financial matters. I have contacted the credit reporting agency to dispute this information, following the procedures outlined in the FCRA ; however, I have not received a satisfactory resolution. 

Given the significance of this matter, I kindly request that the Consumer Financial Protection Bureau investigate the practices of the credit bureau in question regarding the reporting of outdated and inaccurate information. Furthermore, I would appreciate any guidance or support you could provide in resolving this issue and ensuring that my credit report is updated to reflect my accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies in 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 explanation
Consumer complaint received 2025-01-23 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.
State: TX

Complaint narrative:
I am writing to formally dispute an entry on my credit report, which I believe is inaccurate. Under XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following item and remove or correct it as necessary. 
XXXX XXXX XXXX This account shows closed but here it says open and different balances This information is incorrect it should have the correct balance and information if the account is open I request that This account is closed and removed of my report due to wrongful information entry within the required 30-day period. Please provide me with the results of your investigation once completed. 

I have included copies of my credit report with the disputed item clearly marked, along with any supporting documents ( such as receipts, bank statements, or letters ) to substantiate my dispute. 

Please provide me with a written response confirming that the investigation has been completed, and any updates to 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 explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested for proof of debt validation and was not given any type of proof of debt validation yet the dispute came back " valid ''. I want reported account removed. 

THE DISPUTE File Identification Number : XXXX XXXX XXXX XXXX {$1800.00} OTHER ACCOUNTS I'VE TRIED DISPUTING : XXXX XXXX XXXX XXXX {$8100.00} {$0.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$400.00} ( THIS ACCOUNT WAS REMOVED THEN ADDED BACK ONTO MY CREDIT ) XXXX XXXX XXXX {$1800.00} MY CREDIT REPORT IS NOT SHOWING THE ENTIRE ACCOUNT NUMBERS

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 2025-01-23 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute particular in the light of the recent CFPB lawsuit highlighting significantly 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 transaction was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've been struggling to fix the errors on my credit report for months, and it's been really draining. Having a good credit score is important to me, but these mistakes have hurt my financial opportunities and taken a toll on my mental well-being. Despite my repeated efforts to get this sorted, my concerns have been ignored, and its only made things worse in both my personal life and my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I was initially told over the phone by an employee of Mohela that my IBR ( SAVE ) application was not done even though it was documented before this on the StudentAid government website. The employee then said I was not eligible to be placed on administrative forbearance and I was required to start making payments on the standard payment plan which was a struggle to afford. Then I applied multiple times for the SAVE plan with pending applications still in process. Eventually they never responded until an email saying I was on interest free forbearance. All the while my account is accruing thousands of dollars worth of interest. They do not answer emails nor can you reach someone by phone in an appropriate amount of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This was sent on XX/XX/2025 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

I am also disputing the inaccurancy of the names, addresses, email addresses, phone numbers, spouse, and Derogatory Accounts. The accuracy of listed accounts and personal information are incorrect.

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 2025-01-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX major Consumer Reporting Agencies : XXXX, XXXX, and Equifax. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : XXXX XXXX Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} I rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 2025-01-23 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, to accepting notify consumers, of dispute outcome. Theses failures align with my experience, where Experian has neither corrected nor removed

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately they informed me that recovering lost funds wasnt possible and that tracking these transactions was infeasible. The CFPBS 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 consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have now asked for an thorough and fair investigation of these remaining errors on my report. After several attempts to have these errors correct, I am still have my rights violated according to the laws and regulations of the FCRA. These accounts are showing errors in the form of inaccurate and different late payment date post by the accused credit agencies and also payment amounts etc. 
These inaccurate accounts are fraudulent and need to be correct or remove immediately. 

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXXXXXX XXXX, {$750.00} was withdrawn from my account without my authorization. I filed a claim, claiming I did not make the transaction, because I absolutely did not make this withdrawal. Chase decided to deny my claim and did not provide any information as to why my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly m light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was paying down my with credit card Navy Federal monthly. I received a letter saying that they were closing my account and I still had to pay the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : 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 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used XXXX several times in the past and in the beginning, I have sent money to friends, family, or merchants and I might have misspelled their name or had the wrong number and I sent the money accidentally to the wrong person and I was never warned that there was no way to get my money back so I lost a lot of money. I guess after so many complaints, there is a warning now that makes you going back and double check before you push send but not in the past.

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