vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXXXXXX XXXX PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXXi, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( XXXX ) I am disputing are as follows : XXXX. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( XXXX ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Below are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-03 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: NM

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>2025, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NM XXXX Social Security Number : XXXX Date of Birth : XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Over XXXX  months ago you furnish a late payment to my consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: FL

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. 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 2025-03-02 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: OK

Complaint narrative:
My data was leaked in a data breach. I have false information on my Experian account that Im unaware of.

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 2025-03-03 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. In spite of 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 tracking these funds were 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Account was not removed that is XXXX years old. Need it removed immediately as it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Subject : Dispute of Credit Report Information under FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute an error on my credit report under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I believe this error was caused by negligent noncompliance with the FCRA on your part, and I am requesting that you investigate and rectify the issue in accordance with the law. 

Upon reviewing my credit report, I noticed the following inaccurate information : XXXX XXXXXXXX XXXX XXXX  XXXX, {$690.00}, charged_off, XXXXXXXX XXXX XXXX XXXX {$12000.00}, charged_off, XXXX XXXX XXXXXXXX # XXXX, {$3800.00}, charged_off, and XXXX, {$5300.00}, sent to Collections The information listed above is either incomplete, outdated, or otherwise inaccurate, and as a result, it is negatively affecting my credit score and financial reputation. Please delete this inaccurate information immediately for a fair resolution to this issue.

Under FCRA Section 1681o, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete. As such, I request that you promptly investigate the validity of this information and correct or delete any erroneous entries in compliance with the FCRA. 

Please provide me with written confirmation of the results of your investigation within 30 days as required by the FCRA. If you find that the disputed information is incorrect, I ask that you remove or correct it and send me an updated copy of my credit report. Due to the failure of both Experian ( XXXX XXXX Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and Equifax ( XXXX XXXX XXXX, XXXX, GA XXXX ) to resolve these issues. 

If the dispute is not resolved, I will be forced to consider further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking civil liability for negligence under Section 1681o. This section holds credit reporting agencies or data furnishers liable for failure to comply with the requirements of the FCRA, including ensuring the accuracy of the information they report. 

Please contact me at XXXX or XXXX should you need further information or clarification. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 US XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. The account I am referring to are XXXX XXXXXXXX XXXX  XXXX. I haven't received any proof that this debt is mine, along with receiving mail for this account with a different name, but my last name, different phone numbers, and even amounts to be paid almost XXXX  as much as what is reported. Equifax continues to fail me over and over again, hurting my credit report. Please please remove the account XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
a few months ago something told me to check my credit report so I login to my Experian credit monitoring app and noticed a bunch of inquiries that I never authorized nor did I give anyone the permission to open any account in my name I am really surprise that I am a victim never imagine it would happen to me I desperately reach out to the credit bureau and let them know that I have not authorized any of these inquiries for months I been asking then to prove it and no response back the inquires are as follow : ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ). XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX Of XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX Bank XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX ( XXXX ). XXXX XXXXXX/XX/XXXX ( XXXX ). XXXXXXXX XXXX XX/XX/XXXX ( XXXX ). XXXX XX/XX/XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX  XXXX XXXXXX/XX/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 2025-03-03 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
On XX/XX/scrub> 2025 I received a notification about XXXX hard inquiries on my credit report from XXXX the inquiry was from XXXX XXXX XXXX XXXX Ally Financial, and XXXX XXXX XXXX, I do not recall authorising these companies to access my credit report. I was looking at cars only thing I remember was inquiring about the vehicle I never a loan or anything for the car as I didnt have interest in it. It has negatively affected my score and I would like for it to get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Exeter Finance, LLC.
State: OH

Complaint narrative:
On XX/XX/year> I received a notification about XXXX hard inquiries on my credit report from XXXX the inquiry was from XXXX XXXX XXXX finance, XXXX XXXX and Exeter Finance LLC, I do not recall authorising these companies to access my credit report. I was looking at cars only thing I remember was inquiring about the vehicle I never a loan or anything for the car as I didnt have interest in it. It has negatively affected my score and I would like for it to get fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was breach by Equifax, Experian and TransUnion.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was breach by Equifax, Experian and TransUnion.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This debt was sod to a debt collector in 2024 I contacted the creditor for correct amount information and had asked if this debt was sold to a third party or put into a trust! I was told to contact XXXX XXXX about the debt, how should not have my personal information. I have since contacted the now debt collection XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
Subject : Request for Removal of Inaccurate Personal Information Dear Sir/Maddam, XXXX am writing to formally request again the removal of outdated and incorrect personal information from my credit report. Maintaining accurate personal details is essential to ensure my credit file is correct and does not cause confusion or impact my creditworthiness. 
The following information on my credit report is incorrect or outdated and should be removed immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX I am attaching a copy of my government-issued ID. 
Please update my records and provide written confirmation once these corrections have been made. If this request can not be fulfilled, please provide the specific reason and the source of verification used to retain this outdated information. 
I appreciate your prompt attention to this matter. Please respond within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Request for Removal of Inaccurate Personal Information Dear Sir/Maddam, XXXX am writing to formally request again the removal of outdated and incorrect personal information from my credit report. Maintaining accurate personal details is essential to ensure my credit file is correct and does not cause confusion or impact my creditworthiness. 
The following information on my credit report is incorrect or outdated and should be removed immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX I am attaching a copy of my government-issued ID. 
Please update my records and provide written confirmation once these corrections have been made. If this request can not be fulfilled, please provide the specific reason and the source of verification used to retain this outdated information. 
I appreciate your prompt attention to this matter. Please respond within 30 days, as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
My information was found on XXXX. There are multiple hearing dates, with the most being filed on XXXX  and a hearing scheduled on XXXX. I have not been served and I do not know who is the creditor that the attorneys are representing, nor does it state an amount that I owe. 
This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I qualified for XXXX in XXXXXXXX XXXX  2024 ( i made XXXX qualifying payments ). My Student Loans were ultimately forgiven under XXXX in XX/XX/year>2024. However, during the time between XX/XX/year> and XX/XX/year>, Mohela continued to demand monthly payments even AFTER making the XXXX qualifying payments. ( No payments were made during XXXX forbearance ) I reached XXXX payments as of XX/XX/year>2024. I continued to pay through XX/XX/year>2024, XXXX monthly payments of {$410.00}. They owe me roughly {$3700.00}. I have contacted Department of Education who referred me back to Mohela. Mohela says its up to the Treasury Department to process. 
I have been asking for this information since XXXX, over XXXX months now. 
Please assist. 

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation