vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: VA

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. These accounts have been included in my bankruptcy. Among other inaccurate factors. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section A sec 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the accounts/Inquiries below be removed immediately per my instructions enclosed :

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 2025-02-07 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:
I have sent multiple dispute letters to Equifax and Transunion regarding inaccurate information on my credit report. Despite providing evidence, Equifax and Transunion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Equifax and Transunion has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Equifax and Transunion has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Equifax and Transunion has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Equifax and Transunion has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/XXXX titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing with Equifax and Transunion. 
Equifax and Transunion failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. This account has been charged off since XX/XX/XXXX but the creditor XXXX are falsely telling Equifax and Transunion that this account is open which is lie. This company has also been falsely making payments to this closed charged off account which is fraudulent activity. Equifax and Transunion continue to ignore all of the errors and inaccurate information Ive been providing for this account that needs to be deleted. Ive asked this company if this debt was true, to please provide me with a 1099 C form and they refused to provide me with that accurate information. Attached to this complaint will be my last complaint I filed about this inaccurate account. Experian has already deleted this account for the very same inaccurate information being reported. This account needs to be deleted immediately! This account is flooded with inaccurate information. My next steps if this account isnt removed, I will be filing a claim against Transunion and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased a cover from XXXX XXXX and returned it. XXXX XXXX issued a refund to a closed account, however it shows that the refund was processed successfully and Chase is saying they dont see the refund. I have been going back-and-forth with XXXX XXXX and there is nothing they can do since they successfully issued a refund back to my debit card that is closed with Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: TX

Complaint narrative:
In review of my credit profile I came across quite a few inquiries that are not mine.

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 2025-02-07 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:
This CFPB complaint has been filed to request pursuant to FCRA & 605B that you TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a collections account opened by XXXX XXXX XXXX on XXXX, XXXX, XXXX under the account number XXXX for an amount of {$6600.00}, a collections account opened by XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX for the amount of {$1800.00}, a collections account opened by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX under the account number XXXX for the amount of {$580.00}, and a hard inquiry pulled by XXXX XXXX XXXX opened on XXXX, XXXX, XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the consumer aforementioned accounts are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA & 605B that you TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a collections account opened by XXXX XXXX XXXX on XXXX, XXXX, XXXX under the account number XXXX for an amount of {$6600.00}, a collections account opened by XXXX XXXX XXXX on XXXX, XXXX under the account number XXXX for the amount of {$1800.00}, a collections account opened by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX under the account number XXXX for the amount of {$580.00}, and a hard inquiry pulled by XXXX XXXX XXXX opened on XXXX, XXXX, XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the consumer aforementioned accounts are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed an unauthorized inquiry on my credit report and so I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  via certified mail on XX/XX/XXXX and asked that they remove this inquiry because I did not authorize them to pull my credit file and that they are in violation of my consumer rights under 15 USCS 1681 ( b ) permissible purposes. They never responded in the allotted time of 30 days provided to them through the FCRA nor did they remove the inquiry from my credit file. I later contacted Equifax on around XX/XX/XXXX informing them that XXXX did not have authorization to pull my credit file and that I contacted XXXX to remove it from my file however Equifax did not respond either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I have been asking for a debt collection letter and proof of any obligation that I have to The XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MS

Complaint narrative:
I have inquiries on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You guys remove then add accounts bck after they are verified as inaccurate by you. Such as XXXX. Not only do I have the same old XXXX now I have XXXX and no one can EVER pull my report they say they can't identity me and I send in ID ssc and mail to you to update things. I refuse to do all of this again this a MONTHLY ISSUE fix all of these errors immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX in XXXX, TX sent a claim to Fair Collections and Outsourcing ( FCO ) stating I owed them over three months of rent and utility/amenity fees in the amount of {$6200.00}. I provided proper notice of my move out 60 days prior and handed my keys to the property manager on my move out date. Without any a prior notice, I receive a call from stating that I have this outstanding debt and that this will appear on my credit report in a matter of weeks. I have attempted to contact the leasing agency who has been unresponsive and no notice or time to dispute this debt before it went on my credit report. I have filed a lawsuit in civil court for breach of contract and failure to deliver my security deposit back.

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 2025-02-07 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: CA

Complaint narrative:
My information was used without my permission to open accounts as I stated in the attached dispute paperwork. I want these taken off my credit.

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: TX

Complaint narrative:
Loan was transferred from XXXX to CRI. I have made on time payments since 2010. I make automatic payments. CRI sent a past due invoice. CRI notes that I am already signed up for automatic payments. I called CRI. Both the automated systems & later XXXX 's first questions was if I was going to make a payment on this past due amount. After much inquiry about this PAST DUE invoice they are telling me that it will be put forbearance at some point in the future. 

My complaint is this. My account is not past due. My account was transferred. The transfer forbearance should have been the first action taken by CRI, not the last. CRI sent me no notice that they are my new loan servicing company. My only paperwork from them is a past due invoice. The CRI invoice does not have any information on where to file a complaint with CRI. Their employees have no idea where to file a complaint -- so they must not have a written policy on complaints. The supervisor said that XXXX sent an email notice. Email is not a secure method of notification, and should have provided written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / ACCOUNT NUMBER XXXX 2. XXXX XXXX / ACCOUNT NUMBER XXXX 3. XX/XX/XXXX ACCOUNT NUMBER XXXX 4. XXXX XXXX ACCOUNT NUMBER XXXX 5. XXXX XXXX XXXX / ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-07 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:
Account 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 Every time this debt is close to being removed from my credit report, a new debt buyer appears. I am unable to determine which of the many reporting companies actually holds the original debt. Despite reaching out to all of them, I have not been able to verify its origin. The original debt dates back to XXXX, but it is being inaccurately reported as a XXXX debt. This misrepresentation is inflating my debt-to-income ( DTI ) ratio and extending the time this debt remains on my report, effectively violating the statute of limitations for debt reporting.

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 2025-02-07 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: GA

Complaint narrative:
Subject : Request for Removal of Information Under Section 605C of the Fair Credit Reporting Act I am a victim of XXXX XXXX and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : 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 XXXXXX/XX/XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within XXXX business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt attention to 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 2025-02-07 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: MO

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 2025-02-07 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: AL

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I bought sneakers back in XXXX and I got charged twice. I then called sofi to do a dispute. They then took it upon themselves to do a dispute for both charges and then give me credit for both charges. I did not ask for that. They took that upon themselves. They then took back the money months later which then threw the account into negative. I was granted a refund because the package was lost because it was not something I ordered and then XXXX sent me a refund but sofi refuses to give me the refund. The account was now thrown in negative closed so now I am out money and I have owed credit to a bank

Company response to consumer: Closed with explanation