vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed an account that was placed under collections and gave email proof of the account being closed. I also have been receiving multiple calls from various agencies that I have no idea how they received my information it gets replaced under collections every 1-2 years.

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 2025-01-16 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: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I disputed an account that was placed under collections and gave email proof of the account being closed. I also have been receiving multiple calls from various agencies that I have no idea how they received my information it gets replaced under collections every XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's 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 CFPB 's 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a platinum credit card with Capital One that I was making on time payments to and had the account on auto pay. In XXXXXXXX XXXX XXXXXXXX, my checking account was hacked. The bank opened an investigation and advised me it could take up to 45 days for the investigation to be completed. During this time period, I forgot about the Cap One account being on auto pay. With work, kids, dealing with the issue of temporarily not having a bank account, it totally slipped my mind. The last payment made on the account before the issue with my bank account was XXXX XXXX. XXXX payment was missed. The issue with the bank was completed in XXXXXXXX XXXX XXXXXXXX. Once completed, I went into my Cap One app, updated my banking info, and scheduled a payment to pay off my entire balance per usual. Payment was scheduled on XX/XX/XXXX and posted on XX/XX/XXXX. I look in my app on XX/XX/XXXX and see that I need to contact customer service. I call them and was told my account was closed due to suspicious fraudulent activity. I was so confused about what this suspicious activity was. I speak with a manager in their fraud department and Im told that it was closed because of a returned payment. I went over what happened with my bank. Explained its a simple human error mistake and I wasnt thinking about Cap One because I had more important issues to resolve. I was told it was your responsibility to let us know. Like let you know what when Im already on the phone with my bank trying to figure that out. On the phone trying to figure out a new account. How Im going to get paid. I had other things to do all while still needing to work. I did my due diligence by making a payment the moment I could and get treated unfairly. I ask for proof and get a letter about fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXX & XXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported.

Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days.

You have failed to comply with these provisions.

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA.

Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law.

Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX 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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I requested EQUIFAX to allow me full access to my report and have yet to see my full credit report. I only see limited information even after I mailed in proof of identity and address. I also do NOT see all my accounts on the credit report. Date of last activity and all other fields are inaccurate on ALL accounts listed on the report. 


Ive included proof of id, social, and address to this complaint which shows my current address for the last 7 years. This address should be the only address reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX airline tickets for XXXX each on my XXXX XXXX XXXX XXXX. 

My credit score was XXXX at that time Credit limit on that card XXXX XXXX open accounts and a total of XXXX available credit total through all accounts. 

On XX/XX/XXXX XXXX reported my balance as XXXX something and my credit score dropped down to XXXX. 

XXXX and Transunion failed to take into account my total credit worthiness and told me my utilization rate was at 55 % and is why my score was affected. XXXX XXXX, XXXX  and transunion told me there was nothing they could do. 

The account is paid in full already but Im not sure why they feel such a large drop after XXXX hours of a purchase with an impressive history as mine was appropriate. All I did was buy XXXX airline tickets for my family and my score drops to XXXX from 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 non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased XXXX airline tickets for XXXX each on my Goldman sachs Apple Card. 

My credit score was XXXX at that time Credit limit on that card XXXX XXXX open accounts and a total of XXXX available credit total through all accounts. 

On XX/XX/XXXX Goldman reported my balance as XXXX something and my credit score dropped down to XXXX. 

XXXX and XXXX failed to take into account my total credit worthiness and told me my utilization rate was at 55 % and is why my score was affected. Goldman Sachs, experien and XXXX told me there was nothing they could do. 

The account is paid in full already but Im not sure why they feel such a large drop after 48 hours of a purchase with an impressive history as mine was appropriate. All I did was buy XXXX airline tickets for my family and my score drops to XXXX from XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
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 CFPB 's 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 2025-01-16 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I used to have American express XXXX  and making payments on time with third party on payment plan. I start notice experian put late payments on my credit which I tried to dispute 3 time. But thet didn't investigate properly. Then I called anex and third-party to see if they report anything everytime amex and other party said they didn't report anything. But XXXX just keep posting on my account. 
Aa well my net credit loan i am on all payments never late same file dispute but experian still didn't work on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: DE

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 unsolved, 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 Experians 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 2025-01-16 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: CO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-16 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: PA

Complaint narrative:
A company by the name of XXXX XXXX XXXX XXXX  is on my credit report & should not be. I feel XXXX, XXXX, & TRANSUNION put this creditor on my account without the proper research. Which is causing a negative impact on 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 2025-01-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
A company by the name of XXXX XXXX XXXXXXXX XXXX is on my credit report & should not be. I feel XXXX, EQUIFAX, & XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I tried to apply for credit and was denied based off of reports from XXXX, experian, and XXXX reporting negative information on my credit report without my permission. 

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal transferred my via XXXX knowing that I didn't have funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

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 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 Experians 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 2025-01-16 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:
I am writing to address inaccuracies on my credit report with Equifax regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Equifax has incorrectly listed late payments post-account closure, which is both inaccurate and misleading.

Furthermore, during the COVID-19 pandemic, I reached out to creditors, including Credit Acceptance , and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account.

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified.

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process.

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history.

please find attached a letter to Equifax, my ID, my SSC, my proof of address, XXXX credit report showing 0 late payments.

Company response to consumer: Closed with explanation