vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Due to Equifax Data Breach Dear Equifax , I am writing to formally dispute certain information on my credit report that I believe may be a result of the XXXX Equifax data breach. 

I have reviewed my credit report, and I am concerned that certain inaccuracies or fraudulent entries may have been made due to the exposure of my personal information in the breach. Specifically, I have identified the following : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these items and correct any inaccuracies that may have been caused by this breach. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to my dispute within 30 days. 

I also request a copy of my updated credit report once the dispute has been resolved. 

Please find enclosed copies of my supporting documentation ( e.g., government-issued ID, proof of address, previous credit reports, etc. ) to help with the investigation. If you require any additional information, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Incorrect Information Due to XXXX XXXX XXXX Dear XXXX , I am writing to formally dispute certain information on my credit report that I believe may be a result of the XXXX XXXX data XXXX. 

I have reviewed my credit report, and I am concerned that certain inaccuracies or fraudulent entries may have been made due to the exposure of my personal information in the breach. Specifically, I have identified the following : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you investigate these items and correct any inaccuracies that may have been caused by this breach. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to my dispute within 30 days. 

I also request a copy of my updated credit report once the dispute has been resolved. 

Please find enclosed copies of my supporting documentation ( e.g., government-issued ID, proof of address, previous credit reports, etc. ) to help with the investigation. If you require any additional information, please let me know. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
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
Consumer complaint received 2025-01-25 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Company continues to attempt to collect a debt from me that is not mine. I have sent them the consumer law regarding their attempts and they continue to violate them WITHOUT any proof or documentation that I owe them through said debt. I will be resulting in taking legal action against them because other companies are discriminating against me due to my credit report on behalf of that false debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act. ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian. alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-25 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
From XXXX to XX/XX/year>, I was undergoing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never contacted GM Financial for any financial services. However, my credit report shows a new auto financing account from GM Financial, with an outstanding balance of {$23000.00}. The account was opened on XX/XX/year>, during which I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. Since this unauthorized account was added under my name, my credit score has plummeted from XXXX to XXXX. 

This is a case of identity theft. I have called GM Financial and XXXX to request an investigation, but their response has been extremely slow. I have already filed a report with the XXXX Police Department in XXXX XXXX, and the case number is XXXX. 

I have since retired and returned to XXXX XXXX, but GM Financial has caused a significant negative impact on my life. They have been irresponsible in promptly completing the investigation. Due to the damage to my credit, I am now unable to rent an apartment, and my life has been severely disrupted. I am seeking your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from XXXX, Experian, and XXXX, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ), 120 days ( XX/XX/year> ), and 150 days ( XX/XX/year> ). 
o Payment records show consistent and timely payments during the reported period. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> and XX/XX/year> ), and 90 days ( XX/XX/year> ). 
o Payment history does not support these claims. 
XXXX. XXXX XXXX Late Payment ( Experian Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are incorrect. 
XXXX. XXXX XXXX Late Payment ( Experian Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required under the 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 2025-01-25 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a dispute but nothing happen XXXX XXXX and XXXX XXXX  The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: I.C. System, Inc.
State: PA

Complaint narrative:
Let me be very clear : the reporting of a debt from I C System Inc on my credit report is unlawful and a blatant violation of both federal and state laws. This company is not licensed to collect debts in the state of PENNSYLVANIA nor OHIO yet they have the audacity to report an account and attempt collection.

Under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 5 ) ( 15 U.S.C. 1692e ), it is illegal for debt collectors to use deceptive or misleading practices, including attempting to collect debts when they are not licensed to do so. Their actions also violate my states specific licensing requirements, which I have attached proof of.

This is not just a disputethis is a demand for immediate action. You are required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 15 U.S.C. 1681i ) to conduct a reasonable investigation of this dispute. Failing to remove this inaccurate and unlawful reporting will result in further action on my part, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I expect you to delete this account entirely from my credit file without delay or I sue for {$500000.00}. I have attached all supporting documentation, including proof that I C System INC is not licensed in my state and therefore can not legally collect this debt.

I am watching this matter closely and will not hesitate to escalate if my rights are ignored. You have 30 days to resolve this dispute and confirm the removal of this invalid account. In addition I am demanding {$1000.00} for your violations! 

I have attached a screenshot of all states in which you are licensed!

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 2025-01-25 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: CashRepublic Holdings, Inc.
State: WA

Complaint narrative:
Previous complaint was submitted regarding an account that was charged off in XXXX  due to COVID-19 status. Company acknowledged the account was charged off, but continues to report as an open installment account on all credit bureaus. Company used manipulative wording in their response, citing obligation to pay loan regardless of charged off status. I began repaying the loan monthly 12 months ago and continue to do so. So paying is not the issue. There are no issues with the interest rate either. Per the FCRA, a charged off loan should not be reporting as an open installment account, thus not accurately reporting. The account need to refer on my credit report as charged off, not open. I dont understand what is so hard about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
XX/XX/XXXX [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX, LA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Experian, Dispute Team, I am writing to formally dispute inaccuracies contained in my credit report issued by your agency. 
Despite previous disputes filed on my part, the errors remain unresolved, which violates your obligations under the Fair Credit Reporting Act ( FCRA ). 
The ongoing presence of inaccurate and misleading information has caused significant harm to my financial standing and credibility. These issues mirror the concerns raised in the CFPBs recent lawsuit against Experian, alleging inadequate dispute resolution practices and violations of consumer rights. 
Specifically, I am disputing the following items : [ XXXX / XXXX XXXX XXXX ] XXXX. [ XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] 2. [ XXXX XXXX XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] 3. XXXX  [ last for digits XXXX ] Issue : [ I have sent numerous letters and called about these unauthorized inquiries still on my profile said they will be removed but never removed and it been pass 60days now ] These inaccuracies have persisted despite my prior eorts to address them. I have attached supporting documentation to substantiate my claim, including : Copies of prior dispute submissions and responses from Experian Bank statements, payment records, or correspondence with creditors A copy of my credit report with the errors highlighted I request that you : 1. Reinvestigate these items promptly, as mandated by the FCRA.

2. Correct or remove the inaccurate information.

3. Provide me with a written response outlining the outcome of your investigation and a revised credit report reflecting accurate data. 
Failure to properly address these inaccuracies could leave me no choice but to pursue further action. Consumers have a right to fair and accurate credit reporting, and I expect Experian to fulfill its legal obligations in this matter. 
Please acknowledge receipt of this dispute within five business days and ensure your investigation is completed within the 30-day timeframe outlined by law. 
Thank you for your prompt attention to this matter. I look forward to your resolution. 
Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TRANSUNION XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION FIX ERRORS OR REMOVE ACCOUNT XXXX XXXX ( XXXX ) - ( XXXX ) XXXX My expectations were not met by your submission, which seems to have deviated from the Metro 2 guidelines. Prior to being added to my credit profile, all information must be accurately and completely completed in compliance with the guidelines. 
There are too many Inaccuracies & Incorrect Information showing that you have not complied with the applicable standards. Remove this Inaccurate/Incorrect Account off my report Immediately. 


Two-Year Payment History : ( XXXX ) PAYMENT HISTORY DIFFERENT XX/XX/XXXX TO XX/XX/XXXX XXXX : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX TransUnion : Payment History is Completely Different : XX/XX/XXXX TO XX/XX/XXXX I deal with the disparities in payment history reporting between different agencies in a frustrated and unsatisfied mood. The accuracy of the reported data is contested in this formal consumer complaint, which demonstrates my resolve to make things right. There should be no room for compromise ; I demand that reporting entities take corrective action right away. 


Account # : ( XXXX ) ( 2 ) DIFFERENT ACCOUNT NUMBERS FOR SAME ACCOUNT. HOW ARE THERE 2 DIFFERENT ACCOUNT NUMBERS? 
XXXX : XXXX TransUnion : XXXX High Balance : ( XXXX ) HIGH BALANCE SHOULD BE {$0.00} XXXX : {$27.00} TransUnion : {$27.00} Last Verified : ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : XX/XX/year>XXXX  Date of Last Activity : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : XX/XX/year> TransUnion : XX/XX/year> Closed Date : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES? 
XXXX : No Date Reported TransUnion : 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 non-monetary relief