vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I have been taken advantage of by XXXX XXXX. I have disputed this loan from 1991 for 30 years! I have been harrassed by collection agencies claiming to represent XXXX XXXX! The information on this student loan is absolutely False. I have written letters to get this off my credit report, and never heard anything back. This is ruining my credit and my ability to move forward in life. PLEASE correct this. The credit companies have Not done a thorough investigation into this matter. Please remove this from my report. Thank 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 2025-02-10 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: NC

Complaint narrative:
I have been taken advantage of by XXXX XXXX. I have disputed this loan from XXXX for 30 years! I have been harrassed by collection agencies claiming to represent XXXX XXXX! The information on this student loan is absolutely False. I have written letters to get this off my credit report, and never heard anything back. This is ruining my credit and my ability to move forward in life. PLEASE correct this. The credit companies have Not done a thorough investigation into this matter. Please remove this from my report. Thank 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 2025-02-10 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 am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MS

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 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: MS

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX Consumer ID : XXXX XXXX XXXX ID Type : Drivers License ID Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with ChexSystems. I have NEVER opened, authorized, or used the accounts listed below, Im requesting the following information to be deleted from my ChexStems consumer report immediately I attached a copy of my report to this request. Account Name : Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. Sincerely, XXXX XXXX Inquirer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Numbers : 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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
With a care credit card you are able to pay off promotions without interest within 6months. I have never missed a promotion while being with them. Beginning XXXX of XXXX I have made multiple payments of XXXX dollars {$180.00} throughout the month XXXX I made multiple XXXX payments called to have it towards the correct promotion and each time they continued to say I still owed. I asked the accounting department to have it looked into but the agents answering the calls did not notate and my money continues to go missing. Each time I would call I would consistently be advised that I had every payment up to date which knowingly I had. In XXXX of XXXX I called to have my payment placed specifically on a promotion expiring in XXXX for {$460.00} and the agent stated it was {$640.00} which was not at all what my receipt stated. The fact that Care Credit continues to add money or interest on purchases already paid is unethical. Not to mention adding monies to a promotion which was not the correct amount causes me worry. 
Today I contacted care credit and was advised that I missed 2 promotions in XXXX of XXXX and one in XXXX of XXXX of {$26.00} which they advised was not paid off in XXXX of XXXX but I pay over {$150.00} a month assign the monies to each promotion so there should not be any interest. 
This has been an ongoing issue where accounting has continuously reimbursed interest due to it being added for no reason. Each agent I speak with has advised multiple times I am up to date and unbeknownst to me I have {$1000.00} of interest from XXXX which is not accurate. With these constant inconsistencies I would like this looked into I feel my money is being misdirected. The agents that answer calls advise they notate and do not. I will be uploading documents once submitted providing proof. Im fully XXXX and this is causing XXXX  and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
Basically I bought my house for {$90000.00} in XXXX, after XXXX XXXX I had to litigate the insurance repairs because it was flooded. Finally I got the insurance check but the mortgage company would not let me repair my home unless it was by a licensed contractor, but doing that time there was no contractors because of all the repairs, so I took out another loan for {$140000.00} and let the mortgage company keep the XXXX I had in repairs. Back then the loan was XXXX. In XXXX I did a forbearance for 2 years because I had my house raised due to flooding and ordered by the state of Louisiana, this debacle took four years instead of four months as agreed between me the state and the contractor, all due because of Road home taking their deer time in paying these contractors, i was also threatened for not paying some of the contractors doing this time, also i did not have a clear to occupy until XXXX from the city. now my loan is over {$240000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: CA

Complaint narrative:
inwas try registrated a prepaid account first time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
i am writing to formally express my concerns regarding zelle handling of disputes particularly in light of recent CFPB lawsuit highlights significant issues with 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 cfbs findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.the lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EdFinancial Services
State: TX

Complaint narrative:
My student loan servicer improperly reported my loan accounts to the credit bureaus. Originally, my student loans were consolidated into one account, XXXX, but after my loans were purchased by [ Ed Financial ], they created 13 separate accounts on my credit report. This has significantly impacted my credit score, dropping it by 96 points due to multiple late payment reports ( 7 points per late payment per account ). This is an inaccurate representation of my loan history and a misuse of credit reporting. I have attempted to resolve this issue with the servicer, but they have not corrected the reporting. I am requesting CFPB intervention to address this improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Despite multiple written requests for verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX has failed to provide valid documentation substantiating the alleged payment received in XX/XX/2020 and to remove an outdated account. 

This ongoing misreporting is severely damaging my creditworthiness and constitutes a violation of federal consumer protection laws. Under Section 611 ( a ) ( 7 ) of the FCRA, you are required to provide the method of verification used to confirm this information.

To date, I have received no such documentation.

The name of the individual who verified the dispute with the original creditor. 

A copy of the documentation used to verify this outdated charge-off, including proof of the alleged payment in XX/XX/2020. 

A full description of the reinvestigation procedures, as required by law. 
Failure to provide this information within the legally required timeframe obligates XXXX XXXX XXXX XXXX to delete the inaccurate outdated charge-off from my credit report under Section 611 ( a ) ( 5 ) ( A ) of the FCRA. If XXXX XXXX XXXX XXXX can not verify the account with documented proof, it must be removed immediately. 

Provide a written response confirming the removal of this account or the requested documentation verifying its accuracy and update as this account is outdated within the required timeframe is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
Despite multiple written requests for verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX has failed to provide valid documentation substantiating the alleged payment received in XX/XX/year> and to remove an outdated account. 

This ongoing misreporting is severely damaging my creditworthiness and constitutes a violation of federal consumer protection laws. Under Section 611 ( a ) ( 7 ) of the FCRA, you are required to provide the method of verification used to confirm this information.

To date, I have received no such documentation.

The name of the individual who verified the dispute with the original creditor.

A copy of the documentation used to verify this outdated charge-off, including proof of the alleged payment in XX/XX/year>. 

A full description of the reinvestigation procedures, as required by law. 
Failure to provide this information within the legally required timeframe obligates XXXX XXXX XXXX XXXX to delete the inaccurate outdated charge-off from my credit report under Section 611 ( a ) ( 5 ) ( A ) of the FCRA. If XXXX XXXX XXXX XXXX can not verify the account with documented proof, it must be removed immediately. 

Provide a written response confirming the removal of this account or the requested documentation verifying its accuracy and update as this account is outdated within the required timeframe is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: AES/PHEAA
State: NJ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. code 1666 ( b ) under the billing error category ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late- a sign of invoicing error- therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " Paid as agreed '' 15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under open credit plan as late and purpose.

Company response to consumer: Closed with explanation