vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Urgent Dispute and Request for Removal Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent items from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were fraudulently added to my credit report without my authorization and must be removed immediately in compliance with federal law. The presence of this inaccurate information on my credit report has caused significant harm, including defamation of character and financial loss, as well as severe emotional distress. This situation has negatively impacted my mental health and resulted in lost opportunities. I demand immediate correction of this error to reflect accurate reporting. 

The fraudulent accounts/inquiries include : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. Identity Theft XXXX  Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 7. Identity Theft XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX FCRA 605 ( b ) 15 U.S.C. 1681c-2 As required by law, the credit bureau must remove these items from my report within four business days of the submission of my complaint to the Consumer Financial Protection Bureau XXXX CFPB ). This statute mandates the immediate blocking and deletion of any fraudulent information reported by an identity theft victim. 

I have enclosed the following documentation in support of my dispute : A copy of my FTC Identity Theft Report A copy of my government-issued identification Any additional supporting documentation Failure to comply with this request within the mandated timeframe will leave me no choice but to pursue further legal action and escalate this matter to the appropriate regulatory authorities. 

Please confirm in writing that the fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these changes. 

I appreciate your immediate attention to this matter. Should you require any further information, please contact me at the details provided 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 explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Transunion and Equifax regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( XXXX ) Section XXXX ( XXXX U.S.C. XXXX ), they must investigate and respond within 30 days ( or XXXX if more information is provided ). However, over 60 days have passed, and I have received no response, correction, or removal of the disputed items. This failure to investigate and/or correct unverifiable information appears to violate the FCRA. I am seeking the CFPBs assistance to ensure Transunion and XXXX complies with its obligations by investigating my dispute, correcting or removing inaccurate items, and providing a timely resolution as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following trabsaction were not done by me, there credit inquiries and would like them removed XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX XXXX XXXX Reported XX/XX/year> XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX  Reported XX/XX/year> XXXX XXXX XXXX XXXX Reported XX/XX/year> 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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX XXXX XXXX Dear CFPB Team, I am writing to formally dispute the accuracy of information being reported on my credit report by XXXX XXXX XXXX, specifically as it pertains to TransUnion. I have noticed discrepancies indicating two different balances for the same alleged debt : one reported as {$810.00} and the other as {$820.00}. This inconsistency is not only confusing but also raises serious concerns about the accuracy of the information being reported. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681, credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy '' of the information they report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are mandated to provide accurate and truthful information regarding debts. The presence of two different balances for the same account suggests a violation of these statutes, which could significantly harm my credit rating. 

Moreover, I would like to bring to your attention that this account has been removed from both my XXXX and XXXX credit reports. This raises questions about the validity of the reported debt by XXXX XXXX XXXX. Furthermore, XXXX XXXX XXXX has not sent me the required disclosures that would allow me to dispute the alleged debt properly, as mandated by the FDCPA. 

I also wish to highlight the recent data breach affecting TransUnion, which has severely compromised consumer data and led to a paid settlement for the victims of this breach. This situation emphasizes the importance of accurate reporting and the need for credit reporting agencies to be more vigilant concerning the data they collect and report. 

In light of this situation, I formally request the following : A re-investigation of my credit report concerning the discrepancies in the reported balances by XXXX XXXX XXXX. 

A copy of the assignment contract that verifies XXXX XXXX XXXX 's ownership of the alleged debt. 

Confirmation that the proper disclosures were sent to me under the FDCPA, allowing me to effectively dispute the alleged debt. 

I appreciate your immediate attention to this matter and look forward to a swift resolution that complies with federal law. Your efforts in ensuring consumer protection are vital, and I trust that you will handle this dispute with the urgency it requires. 

Thank you for your assistance.

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 2025-02-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I am writing to formally express my concern regarding Zelles 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 impossible. The CFPBs finding 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; XXXX. Misrepresentation by School Advisors : During my time at XXXX XXXX XXXXXXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; XXXX. Misrepresentation by School Advisors : During my time at XXXX XXXX XXXXXXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; XXXX. Misrepresentation by School Advisors : During my time at XXXX  XXXX XXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I requested an investigation and deletion of about 6 hard inquires bc they appeared out of no where and dont belong to any accts I have on file. They came back in XXXX XXXX and said they were factual - KNOWING THEY DID NO INVESTIGATION in XXXX XXXX - from the company Equifax The inquiries are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a XXXX from XXXX XXXX that is listed as income. This is also erroneous as income is to never be reported on my credit report. The XXXX is scanned for review. 
PLUS my personal information such as my name is incorrect. My name is XXXX XXXX XXXX. I am not a XXXX! This makes me susceptible to identity theft!

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 2025-02-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

Account Name : XXXX XXXX, acct # XXXX, {$2500.00} XXXX XXXX, acct # XXXX, {$480.00} XXXX, acct # XXXX, {$590.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXX XXXX XXXX, acct # XXXX {$2500.00} Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit.Thank you for your immediate action to this issue. 

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 2025-02-03 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 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 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 2025-02-02 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: PA

Complaint narrative:
XX/XX/XXXX TransUnion Consumer Solurions XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Reporting Errors and Request for Correction Dear TransUnion Consumer Solutions , I hope this letter finds you well. I am writing to formally dispute certain information that has been inaccurately reported by your company to the credit reporting agencies. Upon reviewing my credit report, I have found the following discrepancies which I believe to be incorrect and misleading : [ List the inaccuracies or items you are disputing, including account number, dates, etc. ] I would like to remind you that under 15 U.S.C. 1681 ( o ), as part of the Fair Credit Reporting Act ( FCRA ), you are required to comply with the responsibilities set forth in the law. Specifically, Section 1681 ( o ) outlines civil liability for negligent noncompliance, meaning that if you fail to reasonably investigate and correct such errors, you may be held liable for damages.

I kindly request that you investigate the disputed information and make the necessary corrections to ensure the accuracy of my credit report. Please provide written confirmation of the corrections made and update the credit reporting agencies accordingly. 

If you require any additional information or documentation to assist in this process, please feel free to reach out to me directly at [ phone number ] or [ email address ]. 

I look forward to your prompt resolution of this matter. 

Sincerely

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