vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I noticed some accounts that I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my Information being exposed, I have submitted a FTC complaint reporting the information that I am not familiar with. Please find attached a copy of my drivers license, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and validation of debt letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit 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: NY

Complaint narrative:
It has been months!!! ABOUT 2 years total but months since my last dispute and I have been disputing a XXXX $ FRADULENT ACCOUNT OF XXXX! I AM VICTIM OF IDENTITY THEFT. I HAVE COMPLIED AND GAVE PROOF TO ALL BURUEAS OF POLICE REPORT AND IDENTITY THEFT REPORT ; THIS SPECIFIC ACCOUNT HAS BEEN REPORTED AND DISPUTED AND SENT ALL PROOF THROUGH CERTIFIED MAIL AS WELL AS DISPUTES HERE ON CFPB ABOUT 3 TIMES OR MORE I DONT REMEMBER THE DATES BUT THE PROOF IS HERE AND IN MY EMAILS AND PHONE CALLS ETC! ALL PHONE CALLS ARE RECORDED! THE COMPANY XXXX SAID DIDNT HAVE IT, THEREFORE IT WAS CLOSED AND THEY SAID XXXX XXXX XXXX HAD IT AND I CALLED THEM IN XXXX THEY TOLD ME!! XXXX XXXX XXXX TOLD ME IT WAS CLOSED AND BEING TAKEN OFF BECAUSE THEY SAW MY POLICE REPORT AND I AM VICTIM OF IDENTITY THEFT. EXPERIAN AND XXXX XXXX HAVE VIOLATED MY FEDERAL RIGHTS MORE THAN ENOUGH TIMES AFTER THAT AND STILL IT IS REPORTING NEGATIVELY ON MY REPORT AS WELL AS XXXX XXXX XXXXXXXX HARD INQUIRY ON MY XXXX XXXX I SENT PROOF OF FRAUD AND THEY STILL HAVENT TAKEN IT OFF AFTER BEING TOLD MULTIPLE TIMES AND GIVEN THE PROOF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Address Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : XXXX, Equifax, and XXXX. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX. XXXX  XXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. 
The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt. 
These late payments are inaccurate and have negatively affected my credit score. 
XXXX. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX  XXXX Charged-off balance of {$190.00} XXXX XXXX  XXXX XXXX XXXX of {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$930.00} XXXX XXXX XXXX  balance of {$2900.00} XXXX. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with XXXX, Equifax, and XXXX, the disputed information has not been adequately investigated or removed. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 
XXXX. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the Equifax breach. 
I believe this has contributed to inaccuracies on my credit reports that need immediate correction. 

Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. 
Denial of credit and higher interest rates. 
Emotional distress from the ongoing disputes. 

Requested Resolution : I request the CFPB to : XXXX. Investigate these reporting errors and ensure that XXXX, Equifax, XXXX, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ). 
XXXX. Require the removal of the following accounts from my credit reports : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. 


Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

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 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 Experian 's inaction violates federal law and my rights as a consumer. 

Experian has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 
Discrepancies in Dispute Results I have filed the following disputes regarding this account : XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 
XXXX. XXXX ( XX/XX/year> ) Also marked asverified and updated, with no explanation of how the investigation was conducted. 
XXXX. XXXX ( XX/XX/year> ) Markedverified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. 
XXXX. XXXX ( XX/XX/year> ) Similarly markedverified and updated, and disputed item not listed on credit report, yet the account remains on my credit report to this day. 
The reports for XXXX and XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing ongoing distress. 

Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the XXXX prohibition on unfair and deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX Digital Federal Credit Union XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Dispute of Late Payment Under the FCRA Dear Credit Dispute Department , I am writing to formally dispute the reporting of a late payment on my account that appears on my credit report. I am requesting an investigation into the accuracy and validity of this information under the Fair Credit Reporting Act ( FCRA ) and related laws. 

Grounds for Dispute Inaccurate Reporting 1.Verification Requirement Under 15 USC 1681i , I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that DCU verify the accuracy of the late payment/charge-off and provide supporting documentation within 30 days, as required by law.

2. Billing Error Protections Per 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. If the charge-off stems from a billing issue, I request DCU provide evidence that proper billing practices were followed.

3. Liability for Noncompliance Under The Privacy Act of 1974 and 15 USC 1681 section 602 states I have the right to privacy 4. Under 15 USC 1681 section 604 ( a ) section 2 states a consumer report agency can not furnish an account without my written instructions.

Request for Action I request that DCU : 1.Conduct a thorough investigation of the disputed late payment/charge-off.

2. Correct any inaccuracies and notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) of these corrections. 

Please confirm receipt of this letter and provide a written response regarding the results of your investigation. If no verifiable documentation can be provided to substantiate the late payment/charge-off, I expect the information to be updated to paid as agreed, never late on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute Regarding Inaccurate and Improper Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate, delinquent, or improperly reported items on my credit report, as well as to address concerns about the credit reporting agency 's failure to conduct proper investigations and procedures as required under the Fair Credit Reporting Act ( FCRA ).

Issues of Accuracy and Completeness : Several accounts on my credit report reflect late, delinquent, or missing payments that are incorrect.

Information has been reported to agencies other than the originating creditors, creating inconsistencies.

Failure to Conduct Proper Investigations : The credit reporting agency failed to reasonably reinvestigate disputes, including forwarding all relevant information to the furnishers of disputed items.

Notices provided to me as a result of prior investigations have been vague, ambiguous, and often contradictory or provided.

Violation of Reporting Standards : Deleted information has been improperly reinserted into my file without proper notification or certification of its accuracy. 
Reinserted items appear under different furnishers, creating further confusion and inaccuracies. 

I request the following resolutions : Immediate removal of all inaccurate, unverifiable, or incomplete items from my credit report. 
A thorough and fair reinvestigation of the disputed accounts in compliance with the FCRA. 
Written documentation of the investigation 's findings, including detailed updates or corrections made to my file. 
Failure to resolve these issues promptly will leave me with no choice but to pursue further legal or administrative action. 

Thank you for your attention to this matter. I expect confirmation of receipt of this letter within 30 days, as well as timely resolution of my disputes. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open these accounts, nor do I recognize them. Pursuant to USC 1681g, I am requesting their removal within 15 days. The supporting documents are enclosed for your review and action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
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 2025-01-23 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: NJ

Complaint narrative:
transunion they kept verifying my info without providing proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Urgent Complaint : Experian, XXXX, and XXXX XXXX. 

I feel frustrated, helpless, and wronged. Experian, XXXX, and XXXX are violating my rights and causing me emotional and financial harm. They are ignoring their legal responsibilities to ensure my credit file is accurate.

1. They failed to validate debts for late payments and collections within the required 30 days.

2. They ignored my disputes about unauthorized hard inquiries unrelated to any accounts.

3. They left inaccurate late payments, charge-offs, and collections on my report without properly investigating. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Their negligence is costing me financially, tarnishing my reputation, and causing me deep mental distress. 

I need action now. Investigate Experian, XXXX, and XXXX immediately. Demand they remove and/or correct the inaccurate information. Protect families like mine from these harmful and deceptive practices. 

Thank you for standing up for consumers. 

Sincerely, 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 explanation