vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
It's been a out XXXX now. Several years ago i had a breach on my information on the XXXX system. They got all my information. Everything. I was notified but did not take it seriously. I don't know why. Also I had been someone who rarely checked my credit. I never had a problem do I thought things were OK. It wasn't until after the breach, about XXXX year that I got a notice from XXXX banks thanking me for opening an account. Then I got scared. I guess who ever did it never changed the address. I immediately wrote to the banks and told them it was not me it is fraud. It was at that time I started taking an interest in my credit. As time went by I found many accounts that were not mine. Once was XXXX XXXX because i got a collection letter from XXXX XXXX. I wrote them a validation letter. I asked for certain things which they never supplied. They kept sending me a statement. Well, that means nothing to me. So, this battle won't on. Now. XXXX XXXX is involved and I guess XXXX XXXX is out. XXXX XXXX seems to think that fraud can't happen. They keep sending me statements and giving me an ip address which is not mine. They keep telling me its me. I ask how do they know for fact. Well, let 's face it they don't because all they say is there investigation is done and they deny my claim. I have asked for proof and nothing. All they can say is there was an investigation. They make us sound like fraud never or can't happen. Are they real? 
Attached you will see all the letters that have been sent and now they are going to report on my credit. How can they do rhat without showing real proof. Not a statement. Statement means nothing to me. So, why are they so set on doing this. I had someone purchase a used car on my credit, pay for it for 2 years with no issues. They must of had a paperless statement. Because I don't know how it was done. It just boggles my mind. So, you see it does happen and maybe XXXX XXXX ends a refresher course. It's gone too far now. If it was mine I would have paid it. There are a few others on my credit that are not mine. Most companies have removed them. I had a collection that was not mine and they could not verify it so it was so ordered to be removed by the court. This whole thing is ridiculous. 
Thank you for your cooperation in this matter 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 2025-02-23 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( Equifax, Experian, and TransUnion ) and several creditor companies.

Over the past six months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 
XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided.

3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights.

5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA.

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 2025-02-23 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I bought a {$100.00} Amex gift card, it doesnt work and it keeps charging me XXXX cents for trying to use it. everywhere i use it, it always declines for an unknown reason and it wont let me purchase anything, i just get charged XXXX cents for trying to make a purchase. So it just takes money off of it for trying to buy something.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. I looked at my_Trans Union_XXXX XXXX XXXX XXXX And notice some things are incomplete and not accurate. According in the fair credit reporting a Whenever a consumer reporting agency prepares a consumer report I shall follow responsible procedures to assure maximum possible accuracy of the information concerning the individual about Whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 I 5 there are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any investigation under paragraph ( 1 ) Of any information disputed by a consumer, An item of that information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( 1 ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( XXXX ) Promptly notified the furniture of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681S-2 there are supposed to be not furnish Any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To whom it may concern, While checking my most recent credit report, I noticed inquiries that I did not authorize made by the following companies LVNV FUNDING {$3900.00} OPENED XX/XX/XXXX LVNV FUNDING LLC {$2500.00} OPENED XX/XX/XXXX LVNV FUNDING {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} OPENED XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and review my credit report. This is a violation of the fair credit reporting act section 1681B ( c ) and a serious breach of my privacy, rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts, bearing my signature I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX  days to complete this investigation as per the fair credit reporting act section 611. 

Thank you for your time and consideration. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CARD Corporation
State: UT

Complaint narrative:
I tried to dispute about 40 transactions by a company named XXXX which is a ride share company similar to what we have here in the United States called XXXX or XXXX only XXXX doesn't offer it's service in the United States. I live in XXXX XXXX XXXX Utah. I have never been out of the country USA. I have never even been on an airplane. And you can see I made purchase in XXXX XXXX XXXX the same days someone was using my card to take ride shares in XXXX. How can I be in 2 different countries at the same time. I have proof from the company XXXX telling me they don't operate in the USA. Well I sent all this into my bank and the denied my disputes totaling in almost XXXX XXXX Not includeding this is my only bank account and my account has been on hold or I haven't been able to properly use it in months. I'm am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX XXXX account ( Account # XXXX ). My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : 1. My payment history incorrectly reports late payments for XXXX, XXXX, XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
2. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments.

Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Equifax immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
am writing to formally file a complaint regarding inaccurate information appearing on my credit report regarding the XXXX XXXX account. The errors in question are negatively affecting my credit standing, and I request an immediate investigation and correction. Late Payment Reporting : My credit report from TransUnion and XXXX indicates a XXXX late payment in XX/XX/XXXX, which is inaccurate. I have made timely payments, and this mark should be corrected. Dispute Status Inconsistencies : My reports suggest the dispute was resolved and reported by the grantor, but I was not properly notified or provided evidence of the resolution. Account Information Discrepancies : The reported balances, payment status, and account details are inconsistent between credit bureaus and require clarification. TransUnion Account # : XXXX High Balance : {$300.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX XXXX Account # : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXXXXXX and the credit reporting agencies provide documented verification of this late payment. If they can not substantiate it, I request its immediate removal from my report to reflect a positive payment history. A copy of my credit reports ( highlighting errors ) is attached.

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 2025-02-23 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: CL Holdings LLC
State: NY

Complaint narrative:
To whom it may concern, While checking my most recent credit report, I noticed inquiries that I did not authorize made by the following companies XXXX XXXX  {$3900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX XXXX XXXX  {$1200.00} OPENED XX/XX/XXXX JEFFERSON CAPITAL SYSTEMS LLC {$580.00} OPENED XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and review my credit report. This is a violation of the fair credit reporting act section 1681B ( c ) and a serious breach of my privacy, rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts, bearing my signature I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation as per the fair credit reporting act section 611.

Thank you for your time and consideration. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Urgent Correction Request I am writing to formally dispute inaccurate information reported on my credit file regarding the XXXX account ( Account # XXXX. My credit report incorrectly reflects late payments, which is factually inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 
Errors Identified : XXXX. My payment history incorrectly reports late payments for XXXX, XXXX, and XXXX, despite the fact that all payments have been made on time. 
XXXX. The reported information contradicts records from the creditor, who has confirmed that there have been no late payments. 
Legal Basis for Dispute : 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits the inclusion of obsolete or inaccurate information in credit reports.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
Given these inconsistencies and the attached evidence proving my payments have always been timely, I demand that Equifax immediately correct these errors and update my payment history to reflect all months as " On Time '' where incorrect late payments have been reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NV

Complaint narrative:
Upon reviewing my credit reports, I noticed that a negative account is being reported inaccurately, despite the fact that the creditor does not maintain this status for longer than XXXX months, as per standard consumer credit reporting practices. According to the Fair Credit Reporting Act ( FCRA ), inaccurate or outdated information should be removed from my credit report, especially if it no longer reflects the true status of the account. 
Specifically, the XXXX account XXXX XXXX, is being reported with a negative status that should have been removed after the XXXX period, as required by the creditors own reporting standards. I request that this account be immediately removed from my credit report to comply with both the FCRA and Metro 2 guidelines, which mandate the accurate reporting and timely removal of outdated or incorrect information. 
If this account is not promptly removed, I will be forced to pursue further action to protect my rights under consumer law. I expect immediate resolution to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have a few things on my credit report that no longer service me and I no longer have in my possession. I have tried disputing them on multiple occasions and yet was told the same thing everytime.

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 2025-02-23 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: TX

Complaint narrative:
Im s victim of a data breaches by the government and other entities not once but 3 times In the last 15 years Over the last few years Ive tried to reach out to the original creditors to report the inaccuracies but Ive not been secretly in getting a resolve. Ask they do is sale my information to other companies and the proved starts all over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear Collection Agency, I am writing to formally request the immediate blocking and removal of fraudulent information on my credit report due to identity theft. Prior to last week, I contacted several representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act has directly violated my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

As a consumer protected by federal law, I demand the following deletions from my credit report to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : Delete all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX I can not receive mail or any correspondence at outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report. 
Data Breach Impact & Failure to Protect My Information I was involved in a data breach with XXXX XXXX XXXX which resulted in my personal information being compromised. Consequently, fraudulent accounts were opened in my name. Despite my repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, thereby violating my consumer rights under multiple laws, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification. 
15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.

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