vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX # XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX : XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXXInquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The item below should be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. This inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year>2023 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
I disputed several items on my credit report that I have no knowledge of nor did I give my express permission for these item to be furnished on my reports. I have not received any findings nor did I receive any proof that a thorough investigation was done. There is a sever lack of informed consent taking place.These items are causing me great stress, mentally, emotionally, and financially. I have developed a severe distrust and loss of confidence in the financial and banks systems there is not fair and accurate credit reporting being done. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence.

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 status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : US DEPT ED acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX US DEPARTMENT OF EDU acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : US DEPT ED acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX US DEPARTMENT XXXX XXXX acct # XXXX XXXX DEPARTMENT OF EDU acct # XXXX XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently disputed an account for inaccurate reporting, I have never been associated with the address related to this alleged account, 15 USC 1681 e ( b ) Duty to Assure Accuracy, also sent another dispute 15 USC 1681 I Procedure of Investigation to try again by reinvestigating this account again. 15 USC 1681s-2 Furnishers of Information and the duty to provide accurate information, Furnishers must not report inaccurate or incomplete data CRA 's .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently disputed an account for inaccurate reporting, I have never been associated with the address related to this alleged account, 15 USC 1681 e ( b ) Duty to Assure Accuracy, also sent another dispute 15 USC 1681 I Procedure of Investigation to try again by reinvestigating this account again. 15 USC 1681s-2 Furnishers of Information and the duty to provide accurate information, Furnishers must not report inaccurate or incomplete data CRA 's .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to formally dispute the recent reporting of my Navy Federal Credit Union credit card XXXX, which has negatively impacted my credit score by XXXX points. This matter has caused me significant distress as a single, low-income parent, and I respectfully request your immediate attention to resolve this issue. 

My credit card statement closing date is the XXXX of each month. For the XX/XX/year> billing cycle, I made the minimum payment on the due date, XX/XX/year>. Additionally, I made a larger payment of {$1500.00} on XX/XX/year>. However, since XX/XX/XXXX fell on a Saturday and XX/XX/XXXX was a holiday, the {$1500.00} payment did not post until XX/XX/year>. 

During this time, Navy Federal allowed me to use my funds before the {$1500.00} payment posted. As a result, transactions between XX/XX/XXXX and XX/XX/XXXX were processed, which led to my account reflecting a balance that exceeded the {$2000.00} credit limit by {$2400.00}. This over-limit balance was reported to the credit bureaus, causing my credit score to drop by XXXX points. 

When I contacted Navy Federal for clarification, I was informed that payments are not posted on weekends or holidays. While I understand your policy, I was unaware that the payment I made on XX/XX/XXXX would not be applied promptly due to the weekend and holiday. This lack of immediate posting has had unintended and severe consequences on my financial standing. 

I kindly request the following actions : Please investigate this matter thoroughly and review the timeline of my payments and transactions. 

Consider adjusting the reported balance to reflect the {$1500.00} payment I made on XX/XX/year>, which should have been applied to my account before the statement closing date. 

Notify the credit reporting agencies of any corrections to ensure my credit score accurately reflects my payment history.

As a loyal Navy Federal member, I trust that you will address this situation fairly and expediently. I also request that you provide me with a written response detailing the outcome of your investigation.

Thank you for your attention to this matter. I look forward to resolving this issue promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate without providing any evidence of through investigation. The practice violates the Fair credit reporting act ( FCRA ), 15 U.S.C., ,1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C.,, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation. 

These are the accounts I found as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All information on the credit report is incorrect and fraud is on my credit report and all things are effecting my score as well as my information was not verified by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have disputed these accounts before dating back until XXXX of XXXX  and nothing have been done. The credit bureaus are not doing any investigation and they are not blocking these items from reporting. I keep asking how are they verifying these accounts and i never get a response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed these accounts before dating back until XXXX of XXXX  and nothing have been done. The credit bureaus are not doing any investigation and they are not blocking these items from reporting. I keep asking how are they verifying these accounts and i never get a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All 3 credit bureaus were contacted for dispute purposes. XXXX XXXX was the ONLY one that I was successful in getting actual and beneficial assistance from! Their help resulted in the removal of a derogatory report and an increased credit score which was my goal. I got nowhere with my calls to the other two. They were discouraging, not really listening, non caring, provided no dispute instruction, eager to get me off the phone altogether, etc. This occurred on at least XXXX occasions : in late XXXX and early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises a serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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