vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
I expect a written response within XXXX days as required by law. If you require further information to complete this request, please contact me in writing at the address listed above.

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 2025-02-11 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: FL

Complaint narrative:
Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : XXXX and XXXX XXXX of XXXX on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
XXXX of your independent investigation into this accounts accuracy. 
XXXX removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : XXXX and XXXX XXXX of XXXX on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
XXXX of your independent investigation into this accounts accuracy. 
XXXX removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

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 2025-02-10 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: LEXISNEXIS
State: GA

Complaint narrative:
Subject : CFPB Complaint Against LexisNexis Inaccurate XXXX  Reporting To Whom It May Concern, I am filing a formal complaint against LexisNexis for the inaccurate and unauthorized reporting of a bankruptcy case on my credit report. 

Details of the Issue : On XX/XX/year>, I submitted a letter to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a XXXX case ( # XXXX ), allegedly filed on XX/XX/year>, that appears on my credit report. Upon receiving a response from the court, I was informed that : The XXXX  court has no jurisdiction over credit reporting agencies and does not communicate with them regarding a partys credit report. 
The XXXX  court and clerks office do not provide information to credit reporting agencies. 
This response confirms that LexisNexis has improperly reported and/or shared private information regarding an alleged XXXX  filing that did not originate from the official court records. This has resulted in significant harm to my credit profile and financial reputation. 

Violation of Consumer Rights : Under the Fair Credit Reporting Act ( FCRA ) XXXX, consumers have the right to dispute inaccurate information and demand its removal. Furthermore, under FCRA 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in reporting consumer information. The reporting of a non-existent or unverified XXXX  constitutes a serious violation of these protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
I am filing this dispute regarding the remaining hard inquiries on my Experian credit report that are not associated with me and were reported without my written authorization, specifically the inquiries from 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. I already disputed these last month, but they remain on my report. I request the immediate deletion of these disputed hard inquiries. Reporting them without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.

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 2025-02-11 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: NJ

Complaint narrative:
Experian has ignored me long enough, and Im done being patient. Ive tried multiple times to get this issue resolved, and its clear Experian refuses to take me seriously. They keep reporting my payment status as Current, was past due XXXX days, which is completely false. Both XXXX and XXXX have correctly reported it as Paid or Paying as Agreed, but for some reason, Experian clings to this error like its a permanent part of my record. This is more than just negligence now, this is outright disregard for my rights as a consumer. Experian is in direct violation of 15 USC 1681e ( b ), which requires maximum possible accuracy in credit reporting. By refusing to fix these inaccuracies, Experian is not meeting its legal responsibility to ensure my credit report is correct. Also, 15 USC 1681i requires credit reporting agencies to conduct a proper investigation and correct errors when a consumer disputes them. But lets be realExperian hasnt conducted any meaningful investigation. If they had, this wouldnt still be an issue. Their repeated failure to correct my payment status shows they are not following the legal process for disputes. Lets not also forget 15 USC 1681b ( f ), which states that no one can report or access information on my credit without a permissible purpose. This inaccurate reporting is tied to Experians willful noncompliance, which opens the door to liability under 15 USC 1681n** ( willful violations ) and 15 USC 1681o ( negligent violations ). Experian is knowingly allowing incorrect information to remain on my report, despite repeated notifications, and that is unacceptable. By ignoring my previous disputes, Experian has caused harm and damage to my financial standing, for which I will seek legal remedies if this is not fixed immediately. I AM DEMANDING THAT EXPERIAN CORRECT MY PAYMENT STATUS TO REFLECT " PAID OR PAYING AS AGREED, '' JUST LIKE XXXX AND XXXX HAVE DONE. EXPERIAN ALSO NEEDS TO FIX THE INACCURACIES IN MY PAYMENT HISTORY. IF THE OTHER BUREAUS CAN GET IT RIGHT, WHAT IS EXPERIANS EXCUSE? THEIR FAILURE TO ACT SHOWS CLEAR NEGLIGENCE AND DELIBERATE NONCOMPLIANCE.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. a police report has been filed and Attached to substantiate the fraudulent nature of these items, as required by the aforementioned regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
XX/XX/year> Dear Experian, I hope this message finds you well. I am writing to formally request the removal of a bankruptcy entry that is currently being reported on my credit report. After contacting the credit bureaus regarding this matter, I received confirmation that the entry was verified by the Bankruptcy Court however, I have obtained a letter from the United States Bankruptcy Court that states the following : XXXX. The court received a letter regarding information reported on my credit files. 
XXXX. The credit bureaus obtained this information independently. 
XXXX. The United States Bankruptcy Court does not report information to credit bureaus. 

Given this information, I believe that the bankruptcy entry on my report is improper. The court 's statement indicates that the credit bureaus do not have the right to obtain information from a third party to report bankruptcies, especially when the bankruptcy in question was dismissed. 

I am requesting the removal of this bankruptcy for XXXX reasons : XXXX. The bankruptcy was dismissed. 
XXXX. The credit bureaus have no authority to report this information based on the court 's clarification. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. As such, I kindly ask you to review this matter and take the necessary steps to remove the bankruptcy from my credit report.

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 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Chelseamac, LLC dba Briteside Solutions
State: TX

Complaint narrative:
On XX/XX/2024 I started with Briteside Solutions with the number XXXX, XXXX, they consider themselves a debt relief they tell you that they will help you step by step recover your credit after the doubts go to collections they and their lawyers guarantee to dispute directly with the credit. 

But after four menus I have a concern and I have dedicated myself to investigating more and they are not accredited, I investigated with XXXX XXXX XXXX  That they in my credit bureau come out with the name XXXX XXXX, number XXXX, where they appear that they have withheld a property or something without my consent and / or authorization. I don't know at all what appeared to me in their bureau when they informed me XXXX it happened immediately I think I reported.

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 monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account reporting on my credit report. Please remove the first one account for my credit report is hurting my ability to purchase a home for my family. Thank you.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-10 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: FL

Complaint narrative:
i've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My information was stolen and it has my credit messed-up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am written to formally express my concerns with zelle handling of disputes particularly in lights of the recent cfbp lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial company and zelle failed to investigate my claims adequately. They informed me that recovering lost of funds was impossible an tracking these transactions was unfeasible the CFBP findings indicate that zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit systems leaving users vulnerable to scams this lack accountability and transparency is unacceptable raise a serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
I can not express how upsetting it is to see my financial future being affected by careless errors on my report. These inaccuracies are dragging my score down and preventing me from securing opportunities that I should have access to. It is completely unacceptable that I have to keep dealing with this.

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 2025-02-11 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations.

Item to be Disputed : [ List the account or information being disputed, including account numbers, dates, and any specific details of the error. ] Nature of the Dispute : [ I believe the information is inaccurate. I request that it be deleted off of my report immediately. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action.

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved.

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation