vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
my information was exposed and compromised. As a result false and fraudulent items report on my credit report. Experian has failed repeatedly too remove these accounts from my credit profile. These accounts are not mines and reporting inaccurately. False and inaccurate reporting is a violation of FCRA. 15 USC 1681i ( a ) 30 day response 15 USC 1681i 6 ( b ) challenges investigation 15 USC 1681i ( a ) 5b challenges reinsertions I demand these items be removed from my credit profile immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NJ

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 claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: VYSTAR CREDIT UNION
State: NC

Complaint narrative:
Vustar Company stated that previous company XXXX XXXX XXXX XXXX savings account was opened when I was XXXX XXXX XXXX and overdrawn and they can't provide who opened the account and stating I am responsible bc it is in my name I told them I did not authorize the use of my social security to anyone. Balance is overdrawn XXXX and I have no knowledge of this account. I tried claiming fraud but they refuse to file a report and tell me that I'm responsible for the negative balance. They don't have any accurate information or can't provide details of account other than negative balance amount. I was told 2 different stories about the account being a checking account with my ex husband yesterday when the representative called me about it. That was not true.

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 2025-01-24 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I did a modification with XXXX  XXXX XXXX. I was awarded and granted the modification XX/XX/year> went through the trial. Everything was excepted. Everything was signed. It was sold off to one company called XXXX XXXX XXXX within a couple months it was sold off again to Shellpoint which Shellpoint has harassed me, interrogating me scare tactics, Ive been going through this with them since XX/XX/year>. Im on the phone with them at least weekly sometimes biweekly Im very emotionally distressed severely. They threaten me with foreclosure, scare tactic. I sent them all my payments for the past 10 months they cashed all checks except the last two checks they have not cashed. ( I also been with a bank of representative from XXXX XXXX XXXX XXXX XXXX XXXX, ,to speak with them. I will not speak with them alone anymore they distress me, emotionally severely too much.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 2025-01-24 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: PA

Complaint narrative:
I having a issue with Experian for long time.Because XXXX  account giving me hard time. 
XXXX account number XXXX in XXXXThere have a error to remove negative account I was requesting for 6 month.I never later.That account its paid and closed. 
Account paid full but in the system have error issue.I am requesting that remove that account from my credit report.Also I paid full they never update my score.They giving me a hard time I send a dispute letter several time.But they are denying for 7 months.I having a problem to get a loan.Also I want to remove all hard inquiries that I have no knowledge also remove 1 negative account in Experian onlyXXXX and XXXX I want to remove hard inquiries and soft inquiries. 

Experian giving me a hard time for removing error account .please help to get out from these. 

Thanks

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 2025-01-24 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:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from 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 2025-01-24 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-24 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.
State: SC

Complaint narrative:
Experian, XXXX, XXXX My reports are incorrect. Listing payoff accounts as a negative. My score is low although I pay my bills on time. Experian has an inquiry starting I applied for a mortgage Im unaware of. The thought when applying for a mortgage there shouldnt be a list of inquiries. Their apps will not let allow you to order your information. Theres no customer service in one company.

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 2025-01-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My XXXX office applied for this line of credit on my behalf. I initially agreed. Before i ever used the credit, i began receiving statements in the mail. I called in to ask why was I being asked to make payments toward a line of credit that i had yet to use. I received no definitive response. In an effort to keep my credit score in good standing, i made a payment of {$35.00} over the phone and received a confirmation number. The following month, i received an additional bill from XXXX stating that they were unable to retrieve the funds from my bank account. I was so confused because i received a confirmation number when making the said payment. I then called my dentist office and told them that this company was making me very uncomfortable. I went on to explain that I no longer wanted to continue with this line of credit or this company because they weren't providing me with definitive responses and weren't being attentive to my needs, etc. My XXXX office returned the line of credit in FULL & assured me that it was taken care of. I paid for my XXXX  work directly from my bank account. Yet, the company continued to bill me ( including late fees ). I reached out to my XXXX  office again and they attempted to resolve the issue by reaching out to XXXX directly and were met with the same results ( NO RESULTS AT ALL ). I was extremely concerned at this point because XXXX reported this to the credit bureaus while I was disputing the claim. My dentist office was extremely unhappy that this was happening. They instructed me to pay the fee and that they would reimburse me in full, which is what happened. I can show my payment date as well as the date that the dentist 's assistant transferred the same amount to my bank account on the very date that i made a payment of {$110.00}, I don't understand why this is currently on my credit report and i would like for it to be removed in it's entirely. PLEASE HELP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The XXXX XXXX overcharged me and charged me for days that I wasn't there came into me and my husband room while we was gone housekeeping and didn't ask for their service violated my privacy and discriminated Capital One keeps denying my client and I've sent in documents showing them that the XXXX XXXX is wrong Capital One is acting like they are trying to keep my money and not investigating my account properly that been go on since XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
The following items do not belong to me. I have already submitted my FTC report showing that the fraud company didn't remove them under section 605. They have XXXX days to remove fraud items and block these items. I demand immediate removal. We are looking to pursue arbitration if items are not removed and blocked immediately. 

I also request the FTC to send all documents including my drivers license my id to these agencies

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 2025-01-24 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: OH

Complaint narrative:
Experian and XXXX has failed to fulfill it's legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian and XXXX, 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 and XXXX has neither corrected nor removed disputed accounts, as Experian and XXXX '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 2025-01-24 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: MD

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Urgent Request for Removal of Public Record Due to Insufficient Verification I am writing to formally request the urgent removal of a public record from my credit report that I believe was improperly verified and reported as a result of insufficient investigation by the credit bureaus. The inclusion of this public record, specifically related to bankruptcy information, is negatively impacting my creditworthiness and financial opportunities. 

On XX/XX/XXXX, I sent certified letters to each credit bureau requesting the following critical information regarding their verification process for bankruptcy data before it is included in consumer reports : XXXX. Sources Used for Verification : I requested that the credit bureaus specify the sources they utilize to verify bankruptcy information, including any databases or public records consulted prior to reporting. 

XXXX. Identity Confirmation : I inquired about the methods employed to confirm the identity of the individual associated with the bankruptcy record. 

XXXX. Verification of Social Security Number : I specifically asked whether the social security number ( SSN ) tied to the bankruptcy was verified. If the SSN was not verified, I requested an explanation of how the credit bureau ensured the accuracy of the bankruptcy information without this essential verifier.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are mandated to ensure the accuracy and integrity of the information they report. Section 607 ( b ) of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report containing inaccurate information. Furthermore, Section 611 gives consumers the right to dispute inaccurate or incomplete information, obligating the agency to conduct a reasonable investigation of such disputes.

The lack of thorough verification and the absence of the requested documentation raise significant concerns about the accuracy of the public record in question. Given that I did not receive satisfactory responses to my inquiries, it is evident that the reporting agency failed to meet the standards of due diligence required by the FCRA.

For these reasons, I respectfully request that the CFPB investigate this matter thoroughly and facilitate the immediate removal of this public record from my credit report. The presence of this record, based on insufficient verification, is unjust and detrimental to my financial health. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response and resolution.

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 2025-01-24 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: I.C. System, Inc.
State: FL

Complaint narrative:
Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX I C SYSTEM {$3100.00} Collection Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B.

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. 

XXXX XXXX I C SYSTEM {$3100.00} Collection Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part. 

Violation : The reporting of this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : By 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process. 


Thank you for your prompt attention to this matter. 


Sincerely, 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