vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX XXXX Account with Balance of {$2300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXX XXXX XXXX account with a reported balance of {$2300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file.

2. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting. 
3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process.

Requested Action : I respectfully request that you : 1. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws.

2. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file.

3. Provide written confirmation of the results of your investigation and the steps taken to address this dispute.

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law.

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
I request all late payments be removed from my consumer report, pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transaction or experiences between the consumer and the person making the report. '' Another exclusion of consumer reports is " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' ( 15 USC 1681 b ( 2 ). The term " credit card '' is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Credit was extended using my credit card ; therefore the negative reporting of the account is unreportable. The following accounts are exclusions and I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Do not report any collections, charge-offs or late payments pursuant to 15 USC 1681c ( a ) ( 4 ) and 15 USC 1681c ( a ) ( 5 ), which state to antedate the report by more than seven years. Section 1681s- 2 ( a ) ( 1 ) ( A ) States, " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' To avoid additional violations of the FCRA I am requesting the following information be updated on my consumer reports as follows ( 15 USC 1681b ( a ) ( 2 ) ) : a. Removal of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. b. Removal of all addresses from my consumer report. My location information is : XXXX XXXX XXXX # XXXX, XXXX, Virginia. The burden of proof is on the persons furnishing fraudulent data on my credit file. This whole experience has caused me significant mental and emotional anguish, stress, XXXX loss of sleep, denial of credit, financial hardship, and loss of time.

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 2025-01-14 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: VA

Complaint narrative:
I request all late payments be removed from my consumer report, pursuant to 15 USC 1681 ( 2 ) ( A ) ( i ), which states the term " consumer report '' does not include " report containing information solely as to transaction or experiences between the consumer and the person making the report. '' Another exclusion of consumer reports is " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' ( 15 USC 1681 b ( 2 ). The term " credit card '' is " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' Credit was extended using my credit card ; therefore the negative reporting of the account is unreportable. The following accounts are exclusions and I request their immediate removal from my credit file : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. Do not report any collections, charge-offs or late payments pursuant to 15 USC 1681c ( a ) ( 4 ) and 15 USC 1681c ( a ) ( 5 ), which state to antedate the report by more than seven years. Section 1681s- 2 ( a ) ( 1 ) ( A ) States, " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' To avoid additional violations of the FCRA I am requesting the following information be updated on my consumer reports as follows ( 15 USC 1681b ( a ) ( 2 ) ) : a. Removal of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Line of Credit ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX. b. Removal of all addresses from my consumer report. My location information is : XXXX XXXX XXXX # XXXX, XXXX, Virginia. The burden of proof is on the persons furnishing fraudulent data on my credit file. This whole experience has caused me significant mental and emotional anguish, stress, XXXX loss of sleep, denial of credit, financial hardship, and loss of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to formally dispute the fraudulent charges and late payments reported on my credit report. As a victim of identity theft I have identified unauthorized transactions and inaccuracies that are negatively impacting my credit report. I am not disputing the existence of the account itself but rather the fraudulent charges and the subsequent late payments associated with those charges. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, you are required to block the reporting of any information that is the result of identity theft once notified.

I have enclosed a copy of my Identity Theft Report such as a police report and FTC Identity Theft Affidavit as evidence to support my claim. 

Here is a summary of the disputed information : Fraudulent Charges : {$100000.00} Late Payments : XX/XX/XXXX to XX/XX/XXXX According to FCRA 15 U.S.C. 1681s-2, creditors and furnishers are also required to report accurate information. Since these charges were made without my authorization, they are inaccurate and must be removed from my credit report.

I am requesting that you : 1. Investigate and remove the fraudulent charges and any late payments associated with them from my credit report.

2. Provide me with a written confirmation of the investigation results and any changes made to my credit report.

3. Send me an updated copy of my credit report reflecting the corrected information.

Please consider this letter as a formal request under the FCRA to block and remove the disputed information. Failure to comply with this request within 24hours period may result in legal action to enforce my rights under the FCRA and to seek damages for noncompliance. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
i had zelle with my td account i had received a zelle transaction and after it was received they had closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the XXXX XXXX. 

Description of the Situation : Account Details : Lender Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FC HoldCo LLC
State: NJ

Complaint narrative:
I did not authorize these inquiries on my credit report please remove them from my credit immediately. 

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 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 2025-01-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section XXXX ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **Name : XXXX XXXX XXXX XXXX **Date of Birth : XXXX - **Social Security Number ( last four digits ) : ** XXXX - **Address : ** XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX **Background : ** XXXX XX/XX/XXXX, EQUIFAX deleted the following information from my credit report XXXX DELETED. This deletion was based on this item was removed from your credit report. Please review your report for the details... 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA XXXX which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that EQUIFAX has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that [ Name of Credit Bureau ] complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with EQUIFAX regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information. 
- Any other supporting documents deemed necessary to investigate this matter. 
**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit, which has brought to light significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution has failed to conduct a thorough investigation of my claims. I was informed that recovering lost funds in these transactions was not possible, which is deeply concerning. The CFPBs findings reveal that Zelle has not only failed 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 2025-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I am writing to complain about my auto loan company Prestige XXXX XXXX  and also to ask that the CFPB take action on this predatory loan company and sue them on my behalf. I have had this auto loan for over 6 years at an interest rate of over 23 %. This company is extremely unprofessional and possibly engaged in illegal business practices to myself and countless others. They have been stalking and harassing me consistently over a 6 year period in addition to charging me countless late fees and blown up interest for a car that I bought for XXXX. I still to this day owe XXXX plus their late fees and even though I told them I'm temporarily laid off of work, they continue to send me threatening emails and call me repeatedly. They are causing me inexplainable XXXX and XXXX  since this is my only car and I a trying to avoid repossesion and having to pay them back after repossesion. 

My account is currently assigned to " late stage collector '' XXXX XXXX. He will not work out any workable payment plans for me after me explaining to them that I am only receiving unemployment income and struggling. After finding out the car needs over $ XXXX in repairs, I told XXXX XXXX that I'd like to surrender the vehicle on XX/XX/year> due to my not being able to catch up and repair the vehicle at the same time, but he denied my request to surrender the vehicle. So now I am stuck trying to repair it to keep it on the road and catch up with the payments.

They are also very shady with their communication as every time they send me a threatening email they delete the whole thread so they can stop a regular person from copying the whole conversation thread. I have zipped up many years of their emails and my responses from MY sent items folder because they delete the previous conversations to protect themselves. In the first 3 or 4 years they would harass me via text, now they do it over email because I told them to stop texting me at work. This company is an illegal predatory lender and I'd like the CFPB 's assistance to sue and regulate these loan sharks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of 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 of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( 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 of dispute outcomes. 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 Experian 's 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