vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally submit a complaint regarding an unauthorized account reported by CI Systems Collection Agency on my credit report. This company is contacting me repeatedly and has failed to provide any validation of the alleged debt despite my clear dispute of the account. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Unauthorized Account : I have never opened or held any account number ending in XXXX with CI Systems Collection Agency or any entity they claim to represent. Despite this, they have reported an account under my name to the credit reporting agencies, which is now negatively impacting my credit score. 

Failure to Validate the Debt : I have repeatedly requested that CI Systems Collection Agency provide verification of this account or proof that I owe any debt to them. They have refused or failed to provide the necessary documentation as required by law. 
Harassment : CI Systems Collection Agency has continued to contact me about this alleged debt despite my dispute of the account. This behavior constitutes harassment and is a violation of the FDCPA.

Violations of Credit Laws : Fair Credit Reporting Act ( FCRA ) : CI Systems Collection Agency has furnished inaccurate information to the credit reporting agencies without proper investigation or validation. 
Fair Debt Collection Practices Act ( FDCPA ) : The company has engaged in harassing communication and has failed to provide validation of the alleged debt within the required timeframe.

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 — Virtual currency
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is XXXX XXXX XXXX XXXX XXXX, and I am the owner of XXXX XXXX XXXX, a business consulting company based in XXXX, FL. I am also an XXXX military member who has been XXXX since XX/XX/year>. I am writing to formally express my concern regarding an unauthorized ACH payment that was debited from my XXXX XXXX account XXXX in the amount of {$140000.00}, which I discovered to have been processed through American Express. 

On XX/XX/year> to XX/XX/year>, I noticed an unauthorized transaction on my XXXX XXXX account, which I promptly reported to both XXXX XXXX and American Express for investigation. After thorough review, I have been informed that XXXX XXXX sent recovery funds to American Express as part of their late ACH recovery process. However, American Express has denied receiving the funds, leaving me in a vulnerable position without the recovery of my lost funds. 

As a result of this dispute and lack of resolution, I have suffered a financial loss of approximately {$100000.00}. Despite my diligent efforts and submission of all necessary documentationincluding a police report, XXXX XXXX XXXX XXXX report, and an affidavit detailing the unauthorized ACH transaction and recovery attemptsneither institution has taken the appropriate action to resolve the issue or refund the funds to my account. 

This situation is especially distressing as I am currently XXXXXXXX XXXX in service to our country, which makes it even more difficult to address these matters in person. I am fully aware of my rights as both a consumer and a victim of fraud, and I believe that I have provided ample evidence to support my claim. I would greatly appreciate it if you could review this matter urgently and work with me to resolve it promptly. I expect a full refund of the unauthorized ACH transaction, as I have been a loyal customer of both XXXX XXXX and American Express for many years, and this issue should have been addressed much earlier. 

For your reference, I have attached the following documents to substantiate my claim : Police Report detailing the unauthorized ACH transaction. 

XXXX XXXX XXXX XXXX report regarding the late ACH recovery funds. 

Affidavit outlining the details of the transaction and the recovery process. 

Correspondence between myself, American Express, and XXXX XXXX. 
Please provide a written response within [ X ] business days, as I would like this matter resolved as soon as possible. I am more than willing to cooperate with your team to resolve this issue and ensure that justice is served. 

Thank you for your immediate attention to this matter. I look forward to your swift resolution of this issue. Should you require any additional information or documentation, please do not hesitate to contact me at XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint against XXXX, TransUnion, and XXXX for failing to resolve an issue with inaccurate credit reporting despite using their dispute resolution services. Their failure to investigate and correct inaccurate information related to my account with XXXX has caused significant harm to my credit score and financial well-being. 

In XX/XX/year>, I reached a settlement agreement with XXXX to resolve my private student loan account. Under the agreement, I paid {$6000.00}, and XXXX confirmed that the account would be reported as paid in full for less than the full balance. Despite fulfilling the terms of the settlement, XXXX has continued to report the account as charged off and delinquent every month since XX/XX/year>. 

I submitted disputes to XXXX, TransUnion, and XXXX regarding this inaccurate information. Despite providing sufficient evidencesuch as the settlement offer email, proof of payment, and documentation of the incorrect reportingthe credit bureaus failed to : 1. Properly investigate my disputes.

2. Remove or correct the inaccurate information.

This negligence has caused severe damage to my credit score and prevented me from accessing financial opportunities. Their lack of action violates the Fair Credit Reporting Act ( FCRA ) and undermines the integrity of their dispute resolution process. 

What Happened : XXXX offered me a settlement agreement for {$6000.00} in XX/XX/year>. 
I made the payment on XX/XX/year>, and XXXX confirmed the account would be reported as paid in full for less than the full balance. 
XXXX, however, has reported the account as charged off and delinquent monthly since XX/XX/year>. 
I disputed the inaccuracies with XXXX, TransUnion, and XXXX, providing evidence to support my claim. 
Despite this, the credit bureaus either failed to act or updated the information incorrectly, leaving the negative entries 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 2025-01-25 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:
In accordance with the Fair Credit Reporting Act XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> has violated my rights.5 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Can you explain to me how a charge off can be reporting on your consumer profile with {$0.00} balance. How can it be charged off with {$0.00}? This is hurting my credit report, it is inaccuratly reporting and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

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. 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 2025-01-25 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: Experian Information Solutions Inc.
State: NY

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. The dispute was immediately closed with no information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate the 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 is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate information on my report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal Law.

Recently, the Consumer Financial Protection Bureau, filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : XXXX. Conducting inadequate investigations that fail to address consumer disputes properly. 
XXXX. Reinserting previously disputed and inaccurate information without explanation. 
XXXX. Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. I am deeply concerned that my PAST disputes have been mishandled in a similar manner.

Please review the Inaccurate Information being reported.

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 2025-01-25 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: MA

Complaint narrative:
I am filing a complaint against transunion for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, transunion 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 ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I request that the CFPB take action to ensure transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This information is incorrect reporting on my consumer report and should be removed immediately. They have not provided me with a forward flow agreement or a chain of assignment. Experian has been sued for not properly investigating information on all disputes. They have neither corrected or removed disputed the evidence I provided causing on going harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed account, as Experian 's inaction violates federal law and my rights as a consumer. 
I'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX Bank, they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )

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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Notice credit report with wrong information, Contacted companies con this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ID

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. The dispute was immediately closed with no information provided.

Company response to consumer: Closed with explanation