vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I called XXXX XXXX for a homeowner insurance quote last year in XX/XX/year>, however, I went with a different company and they have been sending collection notices and I called them as soon as I received a past due notice and asked why they were sending me a notice if I never agreed or accepted policy. They said they would clear situation and provide proof Im writing. However they have now sent account to collection company and they have reported to my credit report.

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 2025-01-27 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: CITIBANK, N.A.
State: AL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX  that this negative rating has caused me and will continue to cause until it is resolved.

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 2025-01-27 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: AL

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2025-01-27 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: DC

Complaint narrative:
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-01-27 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/scrub>/2025 XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. 

Pursuant to 15 U.S.C. 1681o, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MN

Complaint narrative:
Acct # XXXX This account has been charged off, account also states profit loss write off it should not be reporting with a balance this is a clear violation of the fair credit act.

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 2025-01-27 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: TX

Complaint narrative:
When I checked my credit report this morning, I was alarmed to see an unauthorized inquiry, and I have no clue where it came from. I routinely review my report, but this time, unexpected discrepancies appeared out of nowhere. I attempted to refresh my browser to ensure it wasnt a glitch, but the issue persisted. This is extremely frustrating, and I urgently request a thorough review of the documents I submitted to ensure this never happens again.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian XXXX XXXX XXXX XXXXXXXX ). 
Specifically : XXXX. Failure to Conduct Reasonable Reinvestigations : Experian 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution.

2. Failure to Forward Relevant Information provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers.

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 

The items in question are : [ List the inaccurate items with details like account numbers, dates, or disputed inaccuracies. ] Late Payments XXXX XXXX Late Payments XXXX XXXX Hard Inquires : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/year>XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX $ {$6300.00} Evictions : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have attached coples of relevant documents supporting my dispute ( XXXX, payment records, correspondence, or agreements ). 
Should you fail to comply with your obligations under the FCRA within the mandated 30 days, I am prepared to escalate this matter, including filing complaints with the CFPB and considering legal action as authorized under the FCRA. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions. 
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 2025-01-27 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: SC

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, XXXX, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, XXXX, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against the, for similar violations. I request that the CFPB take action to ensure Equifax, XXXX, XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally dispute the listing of a vehicle on my credit report that was reported as stolen over a year ago. The vehicle is no longer in my possession, and I am seeking a resolution to ensure my credit report accurately reflects the situation. The vehicle was reported stolen in XXXX, MI in XXXX, and I have not possession of it since XXXX. I kindly request that you investigate this matter and remove any associated negative entries or references to the stolen vehicle from my credit report. To assist with the resolution, I can provide supporting documentation such as a Police Report # related to the stolen vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 express my issues with Zelle 's handling of their disputes. 
prior to CFPB 's lawsuit, I was an avid user of Zelle. 
However, despite being a loyal user of the platform, I did run into some issues that caused me an immense amount of issues. 

out of one of them which was a large sum that was taken out of my account without my authorization. 
when I had confronted Zelle about this issue, they told me there was nothing that can be done. In addition my XXXX XXXX  XXXX XXXX, also could not recover the funds. 
I did not personally authorize this transaction and I caught it within an hour of the transaction taking place, but even within a short span of time, they told me it was impossible to recover the lost funds. 

I am aware that CFPB is highlighting the fact that Zelle could not protect their consumers/ that they allow repeat offenses occur which leave many users vulnerable to scams and being taken advantage of. That is why I am happy to see that there is someone advocating for us. 

I am highly unsatisfied with the way Zelle and XXXX XXXX XXXXXXXX handled my case. 
I just wish to get back my money that was never authorized to leave in the first place. 
I also wanted to add on that my reciepts only date back to 3 months ago but this issue took place last year and a little prior, I am unable to attatch a reciept but I will be submitting my zelle account and also announce that due to this platform, i lost over hundreds of dollars with no security. 
all of it gone and no protection of the customer who has been loyal for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-27 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: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Improper inaccurate reporting.fraudulently XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately This is a violation of the FCRA and is a sign of violation of required XXXX XXXX Compliance Reporting XXXX 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE REULATIONS, I demand that these above-mentioned derogatory items be investigated and permanently 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX you must complete this reinvestigation within 30 days of receipt of this letter. 
I RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING ITEMS TO BE ERRORS, OR ARE DEFICENT OF PROOF OF NOT BEING UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, OR ELSEWISE, NOT COMPLIANT, TO INCLUDE TO XXXX XXXX REPORTING STANDARDS.

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 2025-01-27 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX XXXX XXXX, with a reported balance of {$940.00} and marked as Placed for Collection. After reviewing the information, I believe this account has been reported inaccurately, and I request a thorough investigation into the following discrepancies : 1. Account Status : The account is listed as Open while simultaneously marked as Placed for Collection. This dual status is contradictory and raises questions about the accuracy of the reporting.

2. Balance Verification : The reported balance of {$940.00} is incorrect based on my records, and I request validation of this amount.

3. Remarks : The remarks indicate that the account is in Collection, but no detailed information has been provided to substantiate this claim, such as original account statements or documentation from XXXX, the original creditor. 
These inaccuracies are significant and negatively impact my credit report. I am requesting that you verify the information with XXXX XXXX XXXX XXXX and provide documentation from XXXX to support the reporting. If the information can not be verified, I respectfully request that this account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide me with the results of your investigation as soon as possible. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report. The account in question is listed under XXXX XXXX XXXX XXXX, with a reported balance of {$940.00} and marked as Placed for Collection. After reviewing the information, I believe this account has been reported inaccurately, and I request a thorough investigation into the following discrepancies : 1. Account Status : The account is listed as Open while simultaneously marked as Placed for Collection. This dual status is contradictory and raises questions about the accuracy of the reporting.

2. Balance Verification : The reported balance of {$940.00} is incorrect based on my records, and I request validation of this amount.

3. Remarks : The remarks indicate that the account is in Collection, but no detailed information has been provided to substantiate this claim, such as original account statements or documentation from XXXX, the original creditor. 
These inaccuracies are significant and negatively impact my credit report. I am requesting that you verify the information with XXXX XXXX XXXX XXXX and provide documentation from XXXX to support the reporting. If the information can not be verified, I respectfully request that this account be corrected or removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Please confirm receipt of this dispute and provide me with the results of your investigation as soon as possible. 
Thank you for your time and 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