vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-11 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to TXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following inquiries : 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 XXXXXX/XX/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 2025-02-11 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: VA

Complaint narrative:
I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. 

I recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.

However, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.

This has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). 


I am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.

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 2025-02-11 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: VA

Complaint narrative:
I am filing this complaint due to the credit bureaus ' failure to properly investigate and resolve discrepancies in my credit report. Despite submitting a dispute regarding inaccurate information, the credit bureaus have not conducted a proper investigation and have failed to correct the errors. 

I recently reviewed my credit report and noticed that there are several inaccurate items such as late payments, charge offs, and collections that are negatively impacting my credit score. I disputed these inaccuracies with the credit bureaus, Equifax, Experian, and TransUnion since XXXX, providing supporting documentation to show that the information is incorrect.

However, the credit bureaus have failed to conduct a proper investigation or provide a satisfactory response. They either did not respond to my dispute or provided an incomplete or incorrect resolution that did not address the inaccuracies. The incorrect information remains on my credit report, and I have not received any meaningful explanation or follow-up from the bureaus about their investigation.

This has caused a significant negative impact on my credit score and financial well-being, and I am requesting your assistance in ensuring that the credit bureaus follow the proper procedures under the Fair Credit Reporting Act ( FCRA ). 


I am requesting that the Consumer Financial Protection Bureau help ensure that the credit bureaus follow the law and properly investigate my dispute. I request that the incorrect information be removed or corrected from my credit report and that I receive confirmation of this action. Additionally, I request that the credit bureaus provide a full explanation of their investigation process and the results.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and TransUnion are fraudulently reporting inaccurate reports to the identity of XXXX XXXX XXXX XXXX XXXX, The Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any and all late payments are in accurate. The alleged accounts all mentioned above been filed to the IRS as a charge off and a 1099c has not been issued to XXXX XXXX XXXX as paid income to none of these credit accounts. 

All accounts that are eligible to be be removed have not been removed. 

XXXX XXXX XXXX can not accurately report to the IRS due to no 1099c being provided to report to the IRS on the behalf of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Someone used my credit without my authorization. I recently viewed my report to find many items that I did not authorize 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 explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have any late payment remarks.

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 2025-02-11 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: CA

Complaint narrative:
Closed accounts were closed. On other sites they are not.. I disputed it the all the debt collectors call and harassment. All day long

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late XXXXXXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXXXXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit.

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with XXXX, XXXX, and Equifax. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
I am writing to request a thorough investigation into the reporting of my account, which has been marked as late on multiple occasions across all three major credit bureaus. 

Account Details : XXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late XXXXXXXX XXXX, Account Number : XXXX Under 15 USC 1666b Timing of Payments Please Update to Never Late The negative impact of this reporting became evident to me following a denial for credit at XXXX , with the reason explicitly cited as the negative marks originating from your reporting. This incident has raised serious concerns about my future ability to obtain credit.

In accordance with the Fair Credit Billing Act ( FCBA ), which stipulates that consumers have the right to request and obtain information about their accounts that have been reported, I am hereby requesting all pertinent information that your company has used as the basis for reporting my account as late. This includes, but is not limited to, payment histories, dates of alleged late payments, and any correspondence or notices sent to me regarding late payments. 

Given the serious implications of this matter on my financial health and creditworthiness, I expect that thirty days is a reasonable timeframe for your company to respond to this request. Should you be unable to provide the requested documentation, or if it is found that the negative reporting was indeed inaccurate, I kindly request that all such inaccuracies be rectified and that the incorrect information be deleted from my reports with Experian, XXXX, and XXXX. 

I trust that your company will address this matter with the urgency and seriousness it warrants. Thank you for your prompt attention to this request, and I look forward to your cooperation in resolving this issue.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. Experian, XXXX XXXX XXXX XXXX are reporting inaccurate late payments with XXXX XXXX XXXX for XX/XX/XXXX and XXXX XXXX  acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from XXXX with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between XXXX and I, the consumer. Payments were never late, they were deferred due to this program.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my report on XXXX XXXX, XXXX and realized the inaccuracies reporting. XXXX, Equifax XXXX XXXX XXXX are reporting inaccurate late payments with XXXX XXXX  XXXX for XX/XX/XXXX and XXXX XXXX acct # XXXX I was never late for any payments with this company. They are fraudulently reporting information that is tarnishing my credit report these accounts needs to be updated to payments on time. I have attached the letter from XXXX  with the correspondence regarding " Covid-19 recovery Standalone Partial Claim '' that I was approved for during the time stated that I was late. This needs to be updated as this was agreement between XXXX and I, the consumer. Payments were never late, they were deferred due to this program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

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 have 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 2025-02-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-11 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-11 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting the debt of {$4600.00} as a Charge Off

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