vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
To Whom It May Concern, This letter is to inform you that you have unlawfully reported a debt on my credit report. Under the new Regulation F rule that began on XX/XX/year>, your company, { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  }, has violated the Fair Debt Collection Practices Act ( FDCPA ) 1006.30 ( a ) by placing this debt on my report without my permission. 
Please immediately stop reporting this debt. If you do not comply, I will take legal action. I have not given you written consent to place anything on my credit report ( 15 USC 1681b ( 2 ) ), and you have no lawful reason to share my personal information with third parties. Your actions may amount to aggravated identity theft, which can lead to criminal penalties ( 18 U.S.C. 1028A ).

Cease all communication about this debt as required by law ( 15 USC 1692c ( c ) ), and promptly delete it from all consumer reporting agencies. Reporting inaccurate, incomplete, or misleading information harms my reputation and ability to get credit. 
Your inaccurate reporting has negatively affected my livelihood. Under 15 U.S.C. 1681s2, as a furnisher of information, you are legally required to ensure that the information you provide to credit agencies is accurate. Reporting information you know to be wrong is prohibited.

In conclusion, you are on notice that this information is inaccurate. You must delete this account from my credit report within 10 days or face legal action under 15 USC 1681n, 15 USC 1681o, and 15 USC 1692k. I am requesting a free copy of my report showing the deletion of this account. Failure to respond satisfactorily will result in legal actions, and I will seek damages of {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. FDCPA violations under 15 USC 1692g 4. FCRA violations for willful noncompliance Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

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 2025-01-21 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As per 15 USC 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXXXXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-01-21 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: TN

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 1002 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 2025-01-21 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: TN

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 1002 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 explanation
Consumer complaint received 2025-01-21 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: TN

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 1002 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 2025-01-21 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: OH

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 unfeasble. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I would like to ask for the 1099c filled with the IRS when my Accounts personal and business with XXXX was charged off. 
IRS regulations ( 26 U.S.C. 6050P ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of XXXX XXXX XXXX XXXX XXXX ( XXXX ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future. 
Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me of my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable. 

GLBA obligates XXXX and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information. 
Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates. 
State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Fund
State: NY

Complaint narrative:
I would like to ask for the 1099c filled with the IRS when my Accounts personal and business with XXXX was charged off. 
IRS regulations ( 26 U.S.C. 6050P ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of XXXX XXXX XXXX XXXX XXXX ( XXXX ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future.

Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me of my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable.

GLBA obligates XXXX and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information. 
Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates.

State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
Account Number : XXXX I am writing to formally dispute inaccuracies in the reporting of the above-referenced account on my credit report. A review of the details provided by your bureau and those reported by other credit bureaus has revealed several inconsistencies and potential errors that require immediate investigation and correction. 

Discrepancies Identified : Account Type and Details : The account type is consistently listed as " Installment Account '' across TransUnion and XXXX. However, XXXX further categorizes it as a " Secured Loan. '' Please verify and confirm the correct account type and details. 
Balance and Past Due Amount : Both TransUnion and XXXX report a balance of {$4500.00} and a past-due amount of {$4500.00}. These figures should be verified for accuracy with the creditor, as they may no longer reflect the current account status. 
Account Status and Payment Status : The account is marked as " Closed '' with a " Charge-off '' or " Charged off as bad debt '' payment status. Additionally, TransUnion includes a comment indicating " Profit and loss write-off, '' which is absent in XXXX report. Please investigate whether these designations are accurate and align with the original creditors reporting. 
Last Reported and Date Last Active : TransUnion lists the " Last Reported '' date as XX/XX/XXXX and the " Date Last Active '' as the same. XXXX, however, reports the " Date Last Active '' as XX/XX/XXXX. These discrepancies must be reconciled and updated with accurate information. 
Date of Last Payment : Both bureaus report the date of last payment as XX/XX/XXXX. Please confirm that this date is correct and corresponds with the creditors records. 
Requested Actions : Conduct a comprehensive investigation with the original creditor or data furnisher to verify the account information. 
Update any incorrect or inconsistent details regarding the account type, status, balance, past-due amount, and activity dates. 
Provide a detailed explanation of your investigation, including the evidence used to verify the reported information. 
Legal Obligations : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy, completeness, and verifiability of all reported information. Please resolve this dispute and provide me with an updated credit report reflecting accurate data within the legally mandated 30-day period.

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