vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention two discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

Discrepancy XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for Information I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( XXXX, Equifax, XXXX, FICO and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective XXXX period has passed. 


Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair credit score representation. 

I eagerly await your response and am available for any further clarification or information if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I am writing to bring to your attention two discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

Discrepancy XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for Information I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( XXXX, XXXX, Experian, FICO and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective 7-year period has passed.

Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair credit score representation. 

I eagerly await your response and am available for any further clarification or information if needed.

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 2025-01-15 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported that my funds were sent to the wrong person. They were not able to reverse that payment and I lost out on a lot of money. They were not able to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I have used Zelle transfers to send and receive money countless times since 2017. There was never full disclosure for the risk of sending money to the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NJ

Complaint narrative:
I am writing to formally express my concerns with Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit. This lawsuit highlights significant issues with the platform. Zelle has failed to investigate claims properly and recovering lost funds were impossible. The CFPB 's findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system and leave us as consumers vulnerable to scams. The lack of transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/year>, I reached out to XXXX in reference to them reporting dispute on my Captial one credit card that I paid in full and was in good standards. 


a Capital One account ( Account Number : XXXX ). The account has been paid in full, yet it is incorrectly reported as consumers request and consumer disputes after resolution. This reporting is inaccurate and is negatively impacting my credit score and ability to obtain a mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 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: WI

Complaint narrative:
On or around XXXXXXXX XXXX I had XXXX to the wrong person via Zelle I tried contacting the person to no avail I was left trying to contact reach Zelle for help and was told there wasnt anything they could do, I asked them how is it I cant cancel the funds they said there wasnt a way to do it and I needed to try and contact the owner of the number. After explaining I couldnt reach anyone at that number I was outta luck left holding my head wondering how was it they couldnt do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: VA

Complaint narrative:
Multiple unauthorized inquiries have appeared on my consumer report, causing significant mental and financial strain despite my repeated attempts to address this issue. As a XX/XX/XXXX, I have no connection to or responsibility for these fraudulent entries, yet their presence has severely impacted my ability to achieve crucial life goals like purchasing a home and providing for my family 's needs. The documentation I've submitted to the Federal Trade Commission clearly outlines the nature and scope of this fraudulent activity, demonstrating the serious nature of this identity theft 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 2025-01-15 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-15 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-14 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: AL

Complaint narrative:
Zelle did not explain that once money was sent it could not be transferred back if a mistake was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
Money using zelle has been using for five years and charged fees and some payments havent gome through at all but i have proof from the client but no funds on zelle side throughXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XX/XX/XXXX I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adeqately nofity consumers of disputed outcomes.These failures align with my experience where Experian has neither corrected nor removed disputed items despite the edvience I provided, causing outgoing harm to my credit standing. I requested immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-14 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Concern about interest rate for me capital one 360 savings rates are not what they promised. I open this account in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CT

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DriveTime
State: OH

Complaint narrative:
According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. It was obtained without my consent. 

Thank You

Company response to consumer: Closed with explanation