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:
On XX/XX/2024, I sent dispute letters to Experian, Equifax, and TransUnion, requesting the removal of inaccurate and unverified derogatory accounts from my credit report. Under FCRA 611, the credit bureaus are required to investigate and remove any information that can not be verified within 30 days. 

On XX/XX/2024, after not receiving a proper response or verification, I sent follow-up letters demanding proof of the disputed items or their immediate deletion. The credit bureaus failed to provide sufficient evidence to support the continued reporting of these accounts. 

On XX/XX/2024, I sent a final notice to the credit bureaus, reiterating that they were in violation of FCRA 609 and FCRA 623 by reporting unverifiable information and failing to provide proper documentation. Despite my repeated efforts, they have not removed these derogatory marks or provided legitimate verification.

It has now been over four months since my initial dispute, and the credit bureaus have failed to take appropriate action. Their inaction has negatively impacted my credit, and I am seeking immediate resolution through the CFPB. I expect the credit bureaus to provide a formal letter confirming the deletions and update my report accordingly.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
This account is inaccurate and settled. The card was discharged in bankruptcy and they sold the account to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  I opened a XXXX charge card, thru Comenity bank. Their paperwork said " A Promotional Plan Transaction fee of 2 % may apply ... '' I asked about this and was told that since the amount was over {$1200.00} I wouldn't be charged this fee. 
My first statement just arrived with the 2 % fee of {$31.00}. I called Comenity and was told this fee can not be waived. The said it us a fee the bank charges when they open the account. I asked if it would apply to future purchases and the phone rep said it may not apply ( not won't ). I pushed him on this and he said it's a fee the bank charged and would be their decision. I got him to confirm he was employed by Comenity, not XXXX. When I said I wanted something in writing, he admitted the fee will apply to all future purchases. 
If I knew the 2 % fee applied, I wouldn't have opened this account. I would have used my XXXX card, which has 0 % thru XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: MO

Complaint narrative:
I am Trying to Get In touch with experian to speak about my credit report and their stupid Fico 8 Scoring system and I can't Get any type of credit because everyone uses Experian but they are saying im unscoreable based off their fico 8 scoring system however i can't speak to a human because i get the run around via their automated system and Im not going to pay {$30.00}. for premium services just to get a score when XXXX XXXX and XXXX credit bureaus are accurate with a few points of each other on my fico score im almost at XXXX score but experian wont update and i can't seem to reach a human to speak with to get that resolved.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX shows account closed charged off in XXXX  shows as negative, but then XXXX XXXX shows it also with a different account number ( the XXXX XXXX numbers ) and shows the original creditor as XXXXXXXX XXXX XXXXXXXX. 

I did not recognize this XXXXXXXX XXXX XXXXXXXX account and called them, and they told me it is the same account that is XXXX. 

If this is true, then it is being reported negatively twice on my report. 

I feel it is illegal to put the so-called same account on your report twice in a negative way.

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 2025-02-22 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: CA

Complaint narrative:
To Whom this may concern, I have have attached an FTC report with 1 fraudulent account and 6 fraudulent addresses to be blocked and removed from my credit report FCRA 605B. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently came across the CFPB Experian lawsuit regarding Experians failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX XXXX XXXX XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports. 

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, Experian, and 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXX  XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXXXXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.

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: OK

Complaint narrative:
I reviewed a copy of my consumer report and I noticed some accounts that I have no knowledge of after being informed that Im also a victim of the equifax data breach I request that the following information be deleted from my consumer reports immediately The following accounts are a result of fraud and or the result of the equifax data breach please Per fcra section 605B & 15 usc 1681c2 And 15 usc 1681 please delete and or block the follow accounts within four business days 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

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 2025-02-22 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: World Acceptance Corporation
State: SC

Complaint narrative:
My information been unpopular using stolen and use without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
A loan amount was taken from XXXX XXXX in XX/XX/XXXX. When XXXX hit my loan status transitioned into a charge off. The vehicle was sold at auction and the remainder balance was purchased by Jefferson Capitol in XX/XX/XXXX. The account is being reported to the credit bureau and is still on my credit report as a derogatory mark. It is seven years and four months old. Jefferson Capitol stated they have the ability to change the origination date which is against the law according to the fair consumer practices act. I would like this to be removed from my Credit report as the information it shows is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX shows account closed charged off in XXXX  shows as negative, but then XXXX XXXX shows it also with a different account number ( the XXXX XXXX numbers ) and shows the original creditor as XXXXXXXX XXXX XXXXXXXX. 

I did not recognize this XXXXXXXX XXXX XXXXXXXX account and called them, and they told me it is the same account that is XXXX. 

If this is true, then it is being reported negatively twice on my report. 

I feel it is illegal to put the so-called same account on your report twice in a negative way.

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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My payoff was XXXX XXXX then I noticed my payoff went back to the amount of when I first purchases the vehicle. I looked at my statement and realized my payments werent being applied between principal and interest as they previously were but now strictly Interest which means at this rate Ill never own the car and Im just renting it. How is the balance still the same from XXXX  when I purchased until now? Nobody at westlake finance can answer that question. I mentioned voluntary surrendering the vehicle and was then told Id have to be APPROVED before I could do that. Ive never heard such foolishness before in my life and Ive financed several vehicles. Please help.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experience has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers disputes outcome.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or Amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the above mentioned violations.

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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
As I stated earlier, the bank ( Scynchrony ) has an app for its customers. I opened the app to check on my account as I have done many times. Normally, my accounts are listed correctly.

My recent experience was entirely different. My account was red flagged, a message stated my account required attention. That I needed to call Scynchony Bank immediately. They told me I needed to go to a link and follow the steps because they suspected fraud. 
I complied with their instructions. I was told to make XXXX minute video of myself, take pictures of my drivers license front and back and provide my social security number etc. Then, I received the letter they said they would send. Turns out, the account number last XXXX digits ( XXXX ) for XXXX XXXX XXXX Credit Card account listed was not my account. My account number ends with ( 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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
By mandate from the CFPB, medical debts can no longer be reported on any of the major credit bureaus. This collection must be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXX name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX  XXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively.

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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Massachusetts XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) Dear Equifax, I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 
2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. 

Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. 

If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 CFBS '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