vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to delete the following accounts as soon as possible because they are unauthorized accounts. : 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Account Information Under FCRA Section 623 Dear TransUnion, Equifax, and Experian, I am writing to formally dispute the reporting of the account listed below, which appears on my credit report. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to Section 623 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of information have a responsibility to provide accurate and complete information to credit reporting agencies. This account violates the FCRA because I never received a XXXX Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXX XXXX 

The failure to provide this documentation before reporting a canceled debt is not only inaccurate but also unlawful under the FCRA. As a result, I am formally requesting the immediate removal of this account from my credit report. 

Please provide written confirmation that this account has been removed from my credit report. If you fail to address this dispute promptly, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Right 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 furnishes accepting unreliable responses and failing to adequately notify consumers of disputes 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, as Experians inaction violates federal laws 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my credit score but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I'm trying to cancel my XXXX XXXX credit card. I've been attempting to contact them using the number on the back of the card, phone number on statement and numbers on XXXX. I've also sent a certified letter which now two weeks in, still haven't received a response. In XXXX they will charge me an annual fee which I don't want to pay as I haven't even used the card in 2 years. I want this card canceled immediately. They make it impossible to contact them.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Hello, 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 using the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately which resulted in the closing of one account. They informed me that recovering the 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 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Non stop calls from XXXX am until XXXX pm over XXXX a day XXXX  days a week even every XXXX hours calls

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Amount for {$890.00} for chase bank JP Morgan. I cant take a screenshot of the transaction because chase closed my account so I dont have access to login to my account

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have never signed or entered any agreement with XXXX XXXX XXXX. Please delete this inaccurate information from my Credit Report immediately.

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 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Ava Finance, Inc
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file by XXXX and XXXX Credit Card Company. These companies are reporting that I have accounts with them that were closed with outstanding balances, but I have no knowledge of ever opening or holding accounts with either company. 

As this information is incorrect, I request an immediate investigation and removal of these accounts from my credit report. These inaccurate records are negatively impacting my credit, and I urge you to take prompt action to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was infeasible. The lack of accountability and transparency is unacceptable.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My rights are being violated and my credit report is inaccurate. There are XXXX accounts in question.I am not liable for any debt. I do not recognize the account numbers. I do not recognize how these accounts are being reported and. I do not recognize the account status. I do not recognize the account high balance. Nor do I recognize the late payments associated with it. everything being reported here does not meet the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C 1681e ( b ) and 15 U.S.C 1692g they are in violation.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
If youre dealing with a debt collection agency that has not validated the debt, you can send them a Debt Validation Request Letter. Under the Fair Debt Collection Practices Act ( FDCPA ), you have the right to request verification of the debt within 30 days of receiving their first communication. If they fail to validate the debt, they can not continue to pursue collection efforts or report the debt to credit bureaus. 

Heres a sample letter you can send to the collection agency : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] Request for Debt I am writing in response to your communication dated [ insert the date of the first communication you received from the collection agency ]. I am requesting that you provide validation of the debt you claim I owe, as outlined under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original signed contract or agreement, or other documentation verifying the debt and that I am responsible for it.

4. A detailed history of the debt, including the date the debt was incurred, any payments made, and any interest or fees that have been added.

5. Proof that you have the legal right to collect on this debt.

Under the FDCPA, you are required to provide this validation within 30 days of receiving this request. Until such validation is provided, please cease all collection efforts and refrain from reporting this debt to any credit reporting agency. 

If you fail to provide the requested validation, I expect that this matter will be closed and the debt will be removed from any reporting agencies, as well as cease any further collection attempts. 

Thank you for your cooperation. I look forward to your prompt response. 



Key Points : Request for Validation : You are requesting proof of the debt, including details of the original creditor, the amount, and the contract. 
30-Day Window : The debt collector must respond within 30 days of receiving this letter with proper documentation.

Cease Collection : If they do not validate the debt, they are required to stop collection activities.

Credit Reporting : They can not report the debt to credit bureaus without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. This account, identified as [ Account Number ], does not belong to me, and I have no knowledge or involvement with it in any way. It is negatively impacting my credit score, which is severely affecting my ability to obtain the necessary financial resources to improve my quality of life.

As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my credit score but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and professional life.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I tried to refund a purchase of a defective item and they wont refund my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

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

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shail follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

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 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are two Bankruptcy 's located on my report from all three credit bureaus that i would like removed due to the violation of my privacy this information was stolen from the courts and sole to the bureau 's and then listed on my credit reports displayed for all to see. I have two documents from the UNITED STATES BANKRUPTCY COURT THE IMFORMATION WAS NOT GIVEN TO ANY CREDIT BUREAUS OR OUTSIDE AGENCY.

SO, THIS IS THEFT AND I WANT THE FOLOWING REMOVED IF YOU WOULD PLEASE DUE SO TO CORRECT YOUR MISTAKE. BANKRUPTCY XXXX XXXX FILED XX/XX/XXXX CLOSEDXXXX/REFERENCE # XXXX BANRUPTCY FILED XX/XX/XXXX CLOSED XXXX/REFRENCE # 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
there are two Bankruptcy 's located on my report from all three credit bureaus that i would like removed due to the violation of my privacy this information was stolen from the courts and sole to the bureau 's and then listed on my credit reports displayed for all to see. I have two documents from the UNITED STATES BANKRUPTCY COURT THE IMFORMATION WAS NOT GIVEN TO ANY CREDIT BUREAUS OR OUTSIDE AGENCY.

SO, THIS IS THEFT AND I WANT THE FOLOWING REMOVED IF YOU WOULD PLEASE DUE SO TO CORRECT YOUR MISTAKE. BANKRUPTCY XXXX XXXX FILED XX/XX/XXXX CLOSEDXXXX/REFERENCE # XXXX BANRUPTCY FILED XX/XX/XXXX CLOSED XXXXREFRENCE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
there are two Bankruptcy 's located on my report from all three credit bureaus that i would like removed due to the violation of my privacy this information was stolen from the courts and sole to the bureau 's and then listed on my credit reports displayed for all to see. I have two documents from the UNITED STATES BANKRUPTCY COURT THE IMFORMATION WAS NOT GIVEN TO ANY CREDIT BUREAUS OR OUTSIDE AGENCY.

SO, THIS IS THEFT AND I WANT THE FOLOWING REMOVED IF YOU WOULD PLEASE DUE SO TO CORRECT YOUR MISTAKE. BANKRUPTCY XXXX XXXX FILED XX/XX/XXXX CLOSEDXXXX/REFERENCE # XXXX BANRUPTCY FILED XX/XX/XXXX CLOSED XXXXREFRENCE # 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