vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
Credit information is bringing given even when there is to be a freeze on my Credit report. Information also on my account is not correct information is being added by companies that are doing skip traces. When stating this is wrong information it still hasn't been removed from my report. Also due to date breaches my personal information has been leaking on many times. My life has been put in danger due to these data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite having filed previous disputes with your company. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for the very same practices that I have been experiencing namely, the failure to properly investigate and correct inaccuracies in consumer credit reports.

As you are likely aware, the CFPB 's lawsuit alleges that Experian has violated the Fair Credit Reporting Act ( FCRA ) by : 1. Failing to investigate disputes fully and accurately.

2. Reporting inaccurate information despite consumers ' disputes.

3. Misleading consumers by presenting incomplete and incorrect data.

My experience aligns directly with these concerns. Despite my prior disputes and your acknowledgment of the same, inaccurate information continues to appear on my credit report. This is causing ongoing harm to my creditworthiness and, ultimately, my financial well-being.

Specifically, the inaccurate information that I am disputing includes : - late payments - The collections from XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX XXXXXXXX I am requesting that you immediately : 1. Conduct a full, thorough investigation of the disputed items as required by law.

2. Correct or remove the inaccurate information from my credit report.

3. Provide me with a copy of my updated credit report once the inaccuracies have been addressed.

Please be advised that if this matter is not resolved in a timely and satisfactory manner, I will be forced to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action to protect my rights under the Fair Credit Reporting Act.

I trust that you will give this matter the urgent attention it requires, and I expect to receive confirmation of the corrections made to my credit report no later than 30 days from the receipt of this letter.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platforms practices.

As a frequent user of Zelle, I have encountered discrepancies in my transactions that I reported to both my financial institution and Zelle. However, I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. This response not only fails to address the issue but also reflects a lack of adequate measures to protect consumers.

The CFPBs findings further reinforce my concerns, indicating that Zelle has not only neglected to safeguard its users but has also allowed repeat offenders to exploit the system. This leaves consumers like myself vulnerable to scams with little to no recourse.

I urge Zelle to take immediate action to address these systemic issues and improve its dispute resolution process to ensure that users are adequately protected. Consumers should not have to bear the financial and emotional burden of Zelles shortcomings.

I look forward to your response and to seeing meaningful changes implemented.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
Accounts that are in good standing reporting as late Hard inquiries on my account that I did not authorize Account reappearing on my credit report after deletion Accounts showing good standing with other bureaus but late with this one Closed accounts showing balances

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 2025-01-23 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: TN

Complaint narrative:
Accounts that are in good standing reporting as late Hard inquiries on my account that I did not authorize Account reappearing on my credit report after deletion Accounts showing good standing with other bureaus but late with this one Closed accounts showing balances

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-23 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.

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX my wife was required to go to a mediator as part of the state mandated alternate dispute resolution prior to a family law hearing. The merchant 's website stated the sessions are two hours, during the XXXX  XXXX two hours was discussed, but when the bill came it was for three hours.

Unfortunately, as this was mandated it had to be paid at the time, but I disputed it as soon as I could with XXXX. I sent emails communicating this, or following up with requested information/documentation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( this is where I requested they provide supporting documentation per FTC guidelines ), and most recently on XX/XX/XXXX informing them that they failed to provide documentation as well as notifying them that this complaint would be filed. The only response I get from them now is a statement saying " The amount on the documentation you sent to us is the same as the amount billed to your account ; therefore, we have determined you were billed correctly. '' even though the documentation shows two hours in the agreement, and the paid invoice shows three.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I am disputing the collection account with ROUNDPOINT MTG, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that ROUNDPOINT MTG, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-01-23 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-23 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: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on 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 explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. 

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 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Had used Zelle in previous years and sent to wrong person and was never able to recover funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint against TransUnion, XXXX of the XXXX major credit reporting agencies, for failing to comply with the dispute resolution timeline mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccuracies on my credit report. Specifically, I disputed several inaccuracies and unverifiable reports on my account. According to the FCRA, TransUnion is required to investigate disputes and either verify, correct, or delete the disputed information within 30 days of receipt of the dispute, per 15 U.S.C. 1681i ( a ) ( 1 ). 

Despite this legal requirement, TransUnion has failed to resolve my dispute within the required XXXX timeframe. This lack of compliance has caused unnecessary delays, stress, and potential harm to my financial standing, including : XXXX. The potential for lower credit scores due to inaccurate information. 
XXXX. Hindrance in my ability to secure credit or favorable terms on loans. 

I have made multiple attempts to follow up with TransUnion regarding this matter, including my last dispute letter sent on XX/XX/year>. To date, I have not received a resolution or any written communication extending the timeline due to additional information as allowed under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). 

I believe TransUnions actions are a clear violation of consumer protection laws, specifically the FCRA, which guarantees my right to a timely resolution of disputes. 

I kindly request the CFPB to : XXXX. Investigate TransUnions practices regarding dispute resolution timelines. 
XXXX. Enforce corrective action to ensure TransUnion complies with the FCRA requirements. 
XXXX. Provide any necessary penalties or fines for their non-compliance. 
XXXX. Assist in ensuring that my dispute is resolved promptly, and all inaccurate information removed from my credit report. 

Thank you for your assistance in ensuring that credit reporting agencies adhere to the law and protect consumers rights.

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 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX I received a call from someone posing as a Bank of America associate. The phone number was spoofed so it reverted back to bank of Americas fraud department so I was sure I was speaking with the bank itself. The person I spoke to used the information I provided to gain access to my online account and transfer {$20000.00} from my savings account via XXXX to their personal account. I called Bank of America back when I realized what happened and submitted a claim to try and get my money back and was pretty much told that it was my fault and that there was nothing that could be done in order to get my money back as it looked like I just transferred the money myself which was not the case.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Complaint Regarding Failure to Conduct an Investigation Within 30 Days Violation of FCRA ( 15 USC 1681 ) To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX failure to conduct a proper investigation into inaccuracies on my account within the 30 days required by the Fair Credit Reporting Act ( FCRA ). I believe their actions are in violation of the FCRA, specifically 15 USC 1681, Section 602 ( a ), which mandates that financial institutions act fairly, impartially, and with respect for consumer privacy when fulfilling their responsibilities. 

Explanation of the Issue Failure to Conduct a Timely Investigation : XXXX XXXXXXXX XXXX failed to investigate disputed information within the XXXX time frame required by the FCRA. This delay demonstrates a lack of adherence to the FCRAs standards for prompt and thorough investigations. Their inaction has caused unnecessary delays in resolving critical issues related to my account. 

Violation of Privacy Obligations : The FCRA requires financial institutions to respect the privacy of consumers. 

XXXX XXXX XXXX has failed to protect my personal information from unauthorized access or sharing. 
They have not provided me with clear options to opt out of sharing my personal information with nonaffiliated third parties, as required under federal law. 
Consequences of the Inadequate Investigation : XXXX XXXXXXXX XXXX failure to meet their investigative obligations has caused significant harm, including : Denial of credit. 
Higher interest rates on loans or credit accounts. 
Damage to my personal and financial reputation. 
Legal Basis Provisions of the FCRA Violated : 15 USC 1681i ( a ) ( 1 ) : Requires a financial institution to investigate disputes within 30 days of receiving a notice of dispute. 
15 USC 1681s-2 ( A ) ( 1 ) : Prohibits a person from furnishing any information to a CRA if XXXX know or have reasonable cause to believe the information is inaccurate. 
Other Privacy Protections Violated : 15 USC 6801 : Requires financial institutions to protect nonpublic personal information and respect customer privacy. 
15 USC 6802 ( b ) and ( c ) : Obligate financial institutions to provide clear options for consumers to exercise their nondisclosure rights.

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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX ( XXXX yrs, XXXX mos ) This account was closed on XXXX XX/XX/XXXX CCB/XXXX Last reported XX/XX/XXXX Payment status In Collections/Charge-off This is not my account I reported this account over XXXX time and they still have not taken it off my credit report they marked it as as charge off when I told them XXXX time this is not my account

Company response to consumer: Closed with explanation