vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX Diversified Adjustments - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the following fraudulent accounts that have appeared on my credit report. These accounts were not opened or authorized by me, and I request that they be removed immediately from my credit report as they are inaccurate. 

The accounts I am disputing are as follows : XXXX - XXXX XXXX XXXX XXXX - XXXX Diversified Adjustments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a FTC IDENTITY THEFT report along with this complaint also

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 2025-01-27 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: GA

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I went into XXXX  to retrieve my internet equipment and was stopped by a salesman who stated I can get a free phone I said I dont want it but he insisted he said I only had to pay {$14.00} dollars for a phone number and the phone would be free so I paid the XXXX dollars and got the phone then I started receiving messages saying I owe this amount I contacted them several times and I went to drop the phone off I then received something on my credit and which I contacted them again and they removed it but it was put back on my credit they said I didnt drop it off I said I did so I dont understand because of there mishap my credit has negative remarks when this is their problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from Experian, XXXX, or XXXX. 

The issues began in XX/XX/year>, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries 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 explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: SC

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 : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: SC

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 : Accounts : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/year>

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 2025-01-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account was charged off on the following date, XX/XX/year>. Since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: AL

Complaint narrative:
I am writing to formally dispute the unresolved accounts on my credit report with XXXX, TransUnion, and XXXX. Despite my efforts to resolve these issues, the accounts remain inaccurately reported, and investigations have not been properly conducted. 

On multiple occasions, I contacted the companies associated with these accounts to verify their status. Each company confirmed that the accounts were paid in full and, in some cases, agreed to remove the accounts from my credit report as per their policies. However, despite submitting proof of payment and corresponding directly with these companies, the accounts remain on my credit report, and the bureaus have failed to update or remove them. 

# # # Specific Concerns : XXXX. **XXXX Investigation Issue : ** XXXX completed its investigation in less than 24 hours, claiming the accounts were verified, despite the fact that I contacted each creditor directly, and none reported receiving verification requests from XXXX. 
- I request that these accounts be reviewed again and removed as they were not properly verified. 

XXXX. XXXX XXXX XXXX XXXX : ** - I contacted XXXX XXXX on XX/XX/XXXX, regarding an account falsely reported as having a co-signer and an outstanding balance. 
- XXXX XXXX confirmed the account was fully paid off in XXXX or XXXX. Despite assurances from a supervisor that the account would be removed, the letter I received only stated the account was paid off, with no indication of removal. 
- This account is negatively impacting my ability to secure loans, and I ask that it be deleted from my report. 

XXXX. **Other Paid Accounts : ** The following accounts were paid in full, with payment confirmations provided, yet they remain inaccurately reported : - **XXXX XXXX XXXX XXXX XXXX, {$51.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$500.00} XXXX paid XX/XX/XXXX, Confirmation # XXXX ) - **XXXX XXXX XXXX* ( XXXX  XXXX, {$480.00}, paid XX/XX/XXXX ) - **XXXX** ( {$150.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$1400.00}, paid XX/XX/XXXX ) - **XXXX  XXXX XXXX {$4700.00} balance, {$2500.00} paid XX/XX/XXXX ) - XXXX XXXX XXXX** ( {$260.00}, paid XX/XX/XXXX ) - XXXX XXXX accounts, paid XX/XX/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 2025-01-27 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: AL

Complaint narrative:
I am writing to formally dispute the unresolved accounts on my credit report with XXXX, XXXX, and Equifax. Despite my efforts to resolve these issues, the accounts remain inaccurately reported, and investigations have not been properly conducted. 

On multiple occasions, I contacted the companies associated with these accounts to verify their status. Each company confirmed that the accounts were paid in full and, in some cases, agreed to remove the accounts from my credit report as per their policies. However, despite submitting proof of payment and corresponding directly with these companies, the accounts remain on my credit report, and the bureaus have failed to update or remove them. 

# # # Specific Concerns : XXXX. **XXXX  Investigation Issue : ** XXXX completed its investigation in less than 24 hours, claiming the accounts were verified, despite the fact that I contacted each creditor directly, and none reported receiving verification requests from XXXX. 
- I request that these accounts be reviewed again and removed as they were not properly verified. 

2. XXXX XXXX XXXX XXXX : ** - I contacted XXXX XXXX on XX/XX/XXXX, regarding an account falsely reported as having a co-signer and an outstanding balance. 
- XXXX XXXX confirmed the account was fully paid off in XXXX or XXXX. Despite assurances from a supervisor that the account would be removed, the letter I received only stated the account was paid off, with no indication of removal. 
- This account is negatively impacting my ability to secure loans, and I ask that it be deleted from my report. 

3. **Other Paid Accounts : ** The following accounts were paid in full, with payment confirmations provided, yet they remain inaccurately reported : - **XXXX XXXX XXXX XXXX XXXX, {$51.00}, paid XX/XX/XXXX ) - XXXX XXXX XXXX ( {$500.00} XXXX paid XX/XX/XXXX, Confirmation # XXXX ) - XXXX XXXX XXXX  ( XXXX  XXXX, {$480.00}, paid XX/XX/XXXX ) - **XXXX** ( {$150.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX** ( {$1400.00}, paid XX/XX/XXXX ) - **XXXX XXXX XXXX {$4700.00} balance, {$2500.00} paid XX/XX/XXXX ) - XXXX XXXX XXXX** ( {$260.00}, paid XX/XX/XXXX ) - XXXX XXXX accounts, paid XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
File several disputes about accounts that have either been paid off or opened by a family member and not myself. 
The following has been paid off and recieved my title for auto loan : XXXX XXXX XXXXXXXX for {$6700.00} was sold to XXXX XXXX XXXX and was paid off in XX/XX/XXXX The following are not my accounts. I never opened them myself however family members using my information opened them : Balance {$0.00} Balance date XX/XX/XXXX Payment status Paid, was a collection account, insurance claim or government claim or was terminated for default Original amount {$480.00} Account number XXXX Business type Other Collection Agencies Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Phone number XXXX Original creditor XXXX XXXX 

{$400.00} Balance date XX/XX/XXXX Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Original amount {$400.00} Account number XXXX Business type Other Collection Agencies Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Time Share {$0.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$400.00} Balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX Collection {$250.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Collection {$400.00} Balance as of XX/XX/XXXX XXXX XXXX XXXX XXXX Debt Buyer {$570.00} Balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection {$0.00} Balance as of XX/XX/XXXX XXXX XXXX XXXXXXXX Collection {$0.00} Balance as of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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. XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, 4 transactions totalling {$1200.00} were withdrawn from my account in another city from where I live. I have only ever withdrawn money at one location, a XXXX in XXXX, Ohio. These transactions were at two different XXXX locations near XXXX, Ohio. My card has been in my possession the whole time, even after reporting the incident and closing it. Today, XX/XX/XXXX I got a letter from my work payroll 's bank " Money Network '' stating that I will not be receiving anything from it due to " the validation of the digital transaction ''. I believe my card may have been skimmed & someone used a fake one with my information to withdraw money at ATMs nowhere near me. I was at work or just about to clock in, at my job in XXXX, Ohio at the time of these transactions.

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 2025-01-27 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: GA

Complaint narrative:
IMPROPER, INACCURATE, FRAUDULENT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX CREDIT BUREAU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
IMPROPER, INACCURATE, FRAUDULENT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX CREDIT BUREAU

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