vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
My name is XXXX XXXX, and I am formally challenging the inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release or reporting of my personal information to the companies listed below. This constitutes a violation of my privacy rights, as these companies have no legal right to report any information under my name. Additionally, my credit report contains unauthorized inquiries that I did not initiate, which appears to be a case of identity theft. As per 18 U.S.C. 8, I do not owe any debts to these companies, and I request the immediate removal of the disputed entries and inquiries to correct my credit report. Please address this issue promptly and confirm the removal of the incorrect items.

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 2025-02-25 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: IN

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I contacted the child support agency XX/XX/year> about child support being reported as late payments. As I am current and not late. They told me that they do not report child support to the credit agency at all and should not be on my credit report. they stated as of a year ago the agency stop reporting to credit bureaus. so not only is the credit bureaus reporting false information the information they are reporting did not come from the child support agency. I would like child support removed from Experian, transunion and equifax 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 2025-02-25 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.

Complaint narrative:
I contacted the child support agency XX/XX/year> about child support being reported as late payments. As I am current and not late. They told me that they do not report child support to the credit agency at all and should not be on my credit report. they stated as of a year ago the agency stop reporting to credit bureaus. so not only is the credit bureaus reporting false information the information they are reporting did not come from the child support agency. I would like child support removed from Experian, transunion and equifax 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 explanation
Consumer complaint received 2025-02-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet just sent a letter stating that XXXX is the party that got multiple parent plus loans. If XXXX XXXX XXXX approved and agreed to any loans shouldn't the party accusing me have my signature agreeing to such agreement? I never signed for any Parent Plus Loans and I suggest you go after whoever submitted docs without my approval. I'm sick and tired of being harassed by this company and their false claims. Please provide docs with my signature and I will send in my bank signature card so we can compare these signatures. this sounds like a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$480.00} 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 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 explanation
Consumer complaint received 2025-02-25 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:
Complaint Summary : I am filing this complaint against Experian for failing to properly investigate and resolve disputes related to inaccurate credit report information, specifically an account listed as " XXXX XXXX XXXX '' with the account number [ XXXX ] and date opened XX/XX/2024. I have sent multiple dispute letters to Experian, but they have not complied with the requirements outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experians actionsor lack thereofhave led to significant negative impacts on my credit, and, as a result, I am unable to access credit, employment, and housing opportunities. Furthermore, I recently learned of the CFPB lawsuit against Experian for similar failures to conduct proper investigations and remove or correct errors on consumer credit reports. This lawsuit demonstrates that Experian is not upholding its responsibilities to consumers under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2024 Nature of Dispute : Inaccurate reporting of this account, which has not been properly investigated, corrected, or removed from my credit report. 
Previous Correspondence : I have sent multiple letters to Experian, but they have failed to investigate and resolve the issue in compliance with the FCRA.

Legal Violations : Experian has violated 15 USC 1681e ( b ) by failing to maintain accurate credit information and failing to properly investigate disputes.

Experian has not complied with 15 USC 1681s-2, which requires furnishers of information to ensure the accuracy of information they provide to credit reporting agencies.

Experian has not complied with 15 USC 1681i ( 5 ), failing to reinvestigate disputes in a timely manner.

Experian has violated 15 USC 1681c ( c ) by re-inserting information that was previously removed without proper validation. 
Requested Resolution : I request that the CFPB investigate Experians handling of this dispute, require them to conduct a thorough re-investigation of my credit report, and ensure that the erroneous account is removed. Additionally, I request that Experian be held accountable for their failure to comply with the FCRA, as outlined in the CFPB lawsuit against 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 2025-02-25 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to formally express my concerns dealing with XXXX. In light of the CFPB Lawsuit highlighting significant problems with the program. I notified them about funds being sent wrongly and was notified that it was nothing that could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NJ

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$480.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Complaint Summary : I am filing this complaint against Experian for failing to properly investigate and resolve disputes related to inaccurate credit report information, specifically an account listed as " XXXX XXXX XXXX '' with the account number [ XXXX ] and date opened XX/XX/2024. I have sent multiple dispute letters to Experian, but they have not complied with the requirements outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experians actionsor lack thereofhave led to significant negative impacts on my credit, and, as a result, I am unable to access credit, employment, and housing opportunities. Furthermore, I recently learned of the CFPB lawsuit against Experian for similar failures to conduct proper investigations and remove or correct errors on consumer credit reports. This lawsuit demonstrates that Experian is not upholding its responsibilities to consumers under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2024 Nature of Dispute : Inaccurate reporting of this account, which has not been properly investigated, corrected, or removed from my credit report. 
Previous Correspondence : I have sent multiple letters to Experian, but they have failed to investigate and resolve the issue in compliance with the FCRA.

Legal Violations : Experian has violated 15 USC 1681e ( b ) by failing to maintain accurate credit information and failing to properly investigate disputes.

Experian has not complied with 15 USC 1681s-2, which requires furnishers of information to ensure the accuracy of information they provide to credit reporting agencies.

Experian has not complied with 15 USC 1681i ( 5 ), failing to reinvestigate disputes in a timely manner.

Experian has violated 15 USC 1681c ( c ) by re-inserting information that was previously removed without proper validation. 
Requested Resolution : I request that the CFPB investigate Experians handling of this dispute, require them to conduct a thorough re-investigation of my credit report, and ensure that the erroneous account is removed. Additionally, I request that Experian be held accountable for their failure to comply with the FCRA, as outlined in the CFPB lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Complaint Summary : I am filing this complaint against Experian for failing to properly investigate and resolve disputes related to inaccurate credit report information, specifically an account listed as " XXXX XXXX XXXX '' with the account number [ XXXX ] and date opened XX/XX/2024. I have sent multiple dispute letters to Experian, but they have not complied with the requirements outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experians actionsor lack thereofhave led to significant negative impacts on my credit, and, as a result, I am unable to access credit, employment, and housing opportunities. Furthermore, I recently learned of the CFPB lawsuit against Experian for similar failures to conduct proper investigations and remove or correct errors on consumer credit reports. This lawsuit demonstrates that Experian is not upholding its responsibilities to consumers under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2024 Nature of Dispute : Inaccurate reporting of this account, which has not been properly investigated, corrected, or removed from my credit report. 
Previous Correspondence : I have sent multiple letters to Experian, but they have failed to investigate and resolve the issue in compliance with the FCRA.

Legal Violations : Experian has violated 15 USC 1681e ( b ) by failing to maintain accurate credit information and failing to properly investigate disputes.

Experian has not complied with 15 USC 1681s-2, which requires furnishers of information to ensure the accuracy of information they provide to credit reporting agencies.

Experian has not complied with 15 USC 1681i ( 5 ), failing to reinvestigate disputes in a timely manner.

Experian has violated 15 USC 1681c ( c ) by re-inserting information that was previously removed without proper validation. 
Requested Resolution : I request that the CFPB investigate Experians handling of this dispute, require them to conduct a thorough re-investigation of my credit report, and ensure that the erroneous account is removed. Additionally, I request that Experian be held accountable for their failure to comply with the FCRA, as outlined in the CFPB lawsuit against 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 non-monetary relief
Consumer complaint received 2025-02-25 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: EQUIFAX, INC.
State: NJ

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received an email from my landlord instructing me to make a rent payment to a new email address via XXXX. Since I was already laying via XXXX and he is going through a financial institution change I made sure I sent the payment immediately, and on time. When I texted my landlord to confirm receipt he then notified me that hos email address was hacked, and that he does not recognize the requester. In a panic, I immediately called Navy Federal Credit Union requesting assistance. They told me that they are not responsible because XXXX transactions is not protected from fraud. 

I pleaded and provided ample proof, to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
On several occasions, I reached out to DUVERA BILLING SERVICES as the listed collections company reporting the false information, XXXX of XXXX and XXXX of XXXX. I also called and asked to speak with someone that could assist me with understanding who and what this deb t was and how it became associated with me. I did not get any information, and I never got any information form the company as to the ownership of this debt. The amount of the debt is now at a staggering about reaching {$8600.00}. The company will not contact me nor erase the erroneous error on my report. 

I am trying to rebuild my credit for the purchase of my first home and this is a thorn in my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
This account is being inaccurately reported without proper verification that is required by the FCRA laws and my consumer rights. This account also not in compliance with IRS regulations when it comes to charged-off accounts being reported with a owed balance.

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 2025-02-25 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: AZ

Complaint narrative:
This account is being inaccurately reported without proper verification that is required by the FCRA laws and my consumer rights. This account also not in compliance with IRS regulations when it comes to charged-off accounts being reported with a owed balance.

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 2025-02-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
First of all, I don't know XXXX. I used translation software. Please forgive me if the translation is difficult to understand. In XX/XX/XXXX, I needed money and wanted to cash out a credit card. The staff of XXXX XXXX XXXXXXXX told me that my credit score was too low and I couldn't cash out a credit card. At that time, I began to doubt it because my score was XXXX when I did a credit cash out before. So I began to suspect that my credit was stolen, so I logged into XXXX to check my credit report and found that my credit score was only XXXX, so I called up the credit report. I received the credit report and found that there were many accounts, phone numbers and addresses that I didn't recognize that were not opened by me. In the end, it was concluded that XXXX bank credit cards were stolen and affected my credit score. They were XXXX XXXX with a stolen amount of {$1100.00}, XXXXXXXX XXXX, and Barclays Bank with a stolen amount of {$2600.00}. Later, a case was filed at the local police station. XXXXXXXX XXXX and XXXXXXXX XXXX have successfully disputed in XXXX. But Barclays Bank has not been able to dispute it. For so many years, my credit score has been affecting my life. I don't know what to do. In XXXX, the application addresses for the monthly statement process I called up were all addresses I didn't recognize. After I called Barclays Bank, I had to confirm my personal information before I could access the account, but Barclays has now used my current information. How should I provide the earliest information and materials that were not applied for by me personally?

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 2025-02-25 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief