vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: CT

Complaint narrative:
I have recently obtained a copy of my credit report and Ive noticed inaccurate information being reported. I have been wrongfully denied credit recently because of those mistakes which are either from your company or the reporting creditors part. This is a formal complaint and request to investigate the following item : XXXX XXXX XXXX  reporting as XXXX late payment. This is false. I reached out to them via phone and nobody was able to help me. I am requesting for this to be corrected. I have never missed a payment or have been late and this is impacting my score negatively. 

As per the law, I understand that your bureau has to investigate the disputed accounts and respond to me via mail within 30 days otherwise the items have to be corrected. 
Upon completion of your investigation, I am requesting that you please send a detailed description of the procedures used to determine the validity and accuracy of the account ( s ) I am disputing as well as the name and contact information of the agent conducting the said investigation for further communication if needed. 


Regards, 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 2025-02-27 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over XXXX missed payment. 
I spoke with the new XXXX XXXX XXXX XXXX, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The XXXX wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, XXXX XXXX XXXX - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, XXXX XXXX XXXX - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( XXXX, XXXX, and TransUnion ), and they have found my claim to be unsubstantiated, and my TransUnion score ( Linked to my XXXX XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the XXXX of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at 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 2025-02-27 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:
In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over 30-day missed payment. 
I spoke with the new XXXX XXXX General Manager, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The GM wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, Interest Ref Purchases - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, Interest Ref Purchases - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( XXXX, Experian, and XXXX ), and they have found my claim to be unsubstantiated, and my XXXX score ( Linked to my XXXX  XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the Captain of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at 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 2025-02-27 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: CA

Complaint narrative:
In XXXX, I visited the XXXX XXXX and spoke with the front desk, regarding canceling my membership, as I would be out of the country. I was assured that after I paid my XXXX membership fee, my account would be properly canceled and no further charges would be applied. I made the payment as requested. However, when I returned in XXXX, I discovered a charge on my credit card for XXXX, which I had not been informed about, and which was listed as unpaid. 
As this charge had gone over 30 days without being addressed, it caused a missed payment on my account. As a result, my credit limit was significantly reduced ( from {$12000.00} to {$500.00} ), and my credit score dropped from XXXX in XXXX to XXXX in XXXX, due to the over 30-day missed payment. 
I spoke with the new XXXX XXXX General Manager, and was informed that particular employee had been let go and that the XXXX charge had been rescinded. The GM wrote me an official letter outlining this situation, that I also submitted. I was credited with the charge on my card in XX/XX/year> ( XXXX - XXXX XXXX, - {$69.00}, Interest Ref Purchases - {$1.00}, Interest Ref Purchases $ XXXX, Late Charge Adjustment - {$28.00}, Interest Ref Purchases - {$0.00} ) and after submitting the letter my score has now gone up to XXXX. 
Despite me getting all of my money back for these unsubstantiated charges, I my credit card issuer ( XXXX  XXXX XXXX ) as well as the major credit bureaus ( Equifax, XXXX, and XXXX ), and they have found my claim to be unsubstantiated, and my XXXX score ( Linked to my XXXX  XXXX XXXX credit card ) stands at XXXX, meaning my overall score is in that range too. 
Not only was this charge unwarranted, I had no way to access e-mail and make authenticated payments during the months of XXXX and XXXX, as I was on a ship going across the XXXX XXXX and I had no cell phone service. I have since received a letter from the Captain of the vessel, confirming this, and plan to submit this as well. 
My training on this ship during this period was the reason I cancelled my XXXX XXXX membership. In 8 years I have never been late on a payment, and despite the actions I took to prevent this, the negligence of one employee has now greatly affected my credit and I have been jumping through hoops trying to get it back to where it should rightfully be ( where it was in XXXX, at XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
Upon reviewing my credit report details for the XXXX XXXX account, I identified the following inconsistencies : 1. Different Balances TransUnion reports a balance of {$4000.00} Experian reports a balance of {$4000.00} Equifax reports a balance of {$4000.00} The balance should be consistent across all bureaus. 
2. Different High Credit Amounts TransUnion lists {$10000.00} Experian does not list a high credit amount.

Equifax lists {$3100.00} The high credit should match the original loan agreement.

3. Different Charge-Off Reporting Dates TransUnion last reported the account on XX/XX/XXXX Experian last reported the account on XX/XX/XXXX Equifax last reported the account on XX/XX/XXXX The charge-off date should be uniform across all bureaus. 
4. Inconsistent Date Last Active Entries TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match the last payment date. 
5. Inconsistent Date of Last Payment TransUnion and Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date should be the same for all three bureaus. 
6. Disputed Status Missing or Inconsistent Equifax states Consumer disputes- reinvestigation in progress, while TransUnion and Experian do not mention a dispute. 
If the account is being disputed, it should reflect on all three reports.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
These inquiries do not appear to be associated with any account I currently hold, nor have I authorized these entities to pull my credit report. I kindly request that these inquiries be thoroughly reviewed and, if they are found to be unauthorized or not connected to an open account, be removed from my credit report. 

no action was taken as far as removing them off of my report and dates of these inquiries are 9 inquiries from XX/XX/XXXX 3 inquiries from XXXX 4 inquiries from XX/XX/XXXX I filed a complaint through the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
These inquiries do not appear to be associated with any account I currently hold, nor have I authorized these entities to pull my credit report. I kindly request that these inquiries be thoroughly reviewed and, if they are found to be unauthorized or not connected to an open account, be removed from my credit report. 

no action was taken as far as removing them off of my report and dates of these inquiries are XXXX inquiries from XX/XX/XXXX XXXX inquiries from XXXX XXXX inquiries from XX/XX/XXXX I filed a complaint through the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have a business credit card issued under my name for a company where I haven't been employed for over XXXX years. Since leaving the company, I've been trying to update the authorizing officer on the credit card with Chase. Despite numerous attempts and submitting the required paperwork multiple times, Chase has not made the necessary changes. 

Complicating the situation, I was advised by a Chase representative that I could close the credit card account and still be able to change the authorizing officer afterward. Trusting this information, I proceeded to close the account. However, I later discovered that this was incorrect, and now I find myself unable to update the authorizing officer due to the misinformation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
I am filing a complaint with Equifax for failing to properly my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are the accounts I have marked as inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Discharged XXXX : Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX reported a collections account involving medical debt in the sum of {$1600.00} originating from an account dating to XX/XX/XXXX. 

I have contacted consumer adjustment co at XXXX to no avail. It is my understanding that the reporting of medical debt to a credit reporting agency is prohibited as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/year>, {$430.00} I believe someone made an online account using my name and information and have stolen my identity and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-27 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-27 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: SC

Complaint narrative:
XXXX XXXX I am to formally express my concerns 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation