vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XXXX ] XXXX [ XXXX ] [ Experian ] XXXX XXXX XXXX [ XXXX, TX. XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information. 

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

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 non-monetary relief
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I've been mailing out letters requestIng more information on a particular account sbnalender acct # XXXX reporting to my credit report. Ive reached out directly to the vendor but failed to receive a response. I notified the credit reporting agency who also failed to provide an explanation. They also failed providing me with proof of proper investigation validating info.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been with Experian for my credit score and there is always wrong information or someone adding on my account and I dont know who they are even after i have consistently disputed the information it always seems to reappear again and again

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 2025-02-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
Subject : Dispute of Inaccurate Reporting and Request for Validation Failure to Issue 1099-C Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this complaint to dispute the inaccurate reporting of a collection account on my credit reports from Experian, Equifax, and TransUnion. The collection agency has failed to comply with federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code ( IRC ) 6050P, regarding the reporting and validation of this debt. 

Key Issues : Failure to Provide Accurate and Complete Information : The collection account in question was purchased by a third-party debt collector. 
The reported status and balance are incorrect and misleading. 
The collection agency has not disclosed how much they paid for the debt, which affects the accuracy of the reported amount. 
The account was settled for less than the original balance, yet the reported amount does not reflect this. 
Failure to Issue IRS Form 1099-C ( Cancellation of Debt ) : If a debt is canceled or forgiven for an amount of {$600.00} or more, the collection agency is required by law to issue a 1099-C tax form to the debtor.

The absence of this form suggests that the debt may no longer be legally enforceable or has been misrepresented in the reporting. 
FCRA Violations Incomplete and Unverifiable Reporting : The FCRA mandates that all information reported to consumer reporting agencies must be accurate, complete, and verifiable. 
The collection agency has not provided adequate validation of the debt or proof of ownership. 
The discrepancies and inconsistencies across my credit reports raise concerns about potential identity theft and erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
National Credit AdjustersXXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Subject : Dispute of Account Information Account No. XXXX Dear National Credit Adjusters Dispute Department, I am writing to formally dispute the information being reported on my credit file for the above-referenced account. According to my recent credit report, the following inaccurate details have been reported : Reported Balance : {$4100.00} Account Status : Collection Amount Past Due : {$4100.00} Delinquency First Reported : XX/XX/year> I believe this information is incorrect and negatively impacts my credit profile. I kindly request a thorough investigation into this matter and for the necessary corrections to be made. Please provide verification of the reported balance, account status, and amount past due. If you are unable to verify the accuracy of this information, I request that the erroneous data be removed from my credit report immediately. 

Enclosed, you will find copies of relevant documents supporting my dispute, including a copy of my credit report highlighting the disputed items. 

Please provide a written response regarding your findings within the timeframe specified by the Fair Credit Reporting Act ( FCRA ). If the information can not be substantiated, I expect its immediate deletion from my credit profile. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and look forward to resolving this issue. Please confirm receipt of this letter and provide a resolution at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

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. 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by XXXX XXXX and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/year> and this is still on 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by XXXX XXXX and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/year> and this is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX. This company is on my credit report this vehicle was paid in full by me because it was on my credit report. I never signed an insurance policy but was given insurance by the dealership not knowing it would be canceled the following month. This vehicle was repo by XXXX XXXX and they made a deal with me if I was to pay the full balance they would remove it from my credit report. So I paid them XXXX cash XX/XX/year> and this is still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Sent dispute audits on XXXX, XX/XX/year>. XXXX XXXX did not provide what was asked for and repeatedly sent stall tactic letters as responses. XXXX XXXX still in this over a year of attempting to resolve directly has not provided what is needed to continue to actively report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO THE EQUIFAX DATA BREACH.

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 2025-02-11 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: CA

Complaint narrative:
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO THE EQUIFAX DATA BREACH.

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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Service for an old XXXX account. I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX  account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Second Complaint Regarding Credit Denial and Rights Violations Dear SECU I am writing to formally dispute the denial of my credit application on XX/XX/year> ant the XXXX XXXX and the violations of my rights in the process. I requested a paper application to properly complete and understand the form, as it is the best way for me to apply and ask necessary questions. The refusal to provide this accommodation impeded my ability to perform and constitutes a violation of my rights. 

Additionally, after my application was denied and no consideration, I requested that it be rescinded, which was not honored. This failure to act upon my request is another violation of my rights under consumer protection laws. 

Furthermore, the basis for my denial can not be attributed solely to credit, especially given the ongoing investigations into credit bureaus for inaccurate reporting. Under the Equal Credit Opportunity Act, Truth in Lending Act ( 15 U.S.C. 1635 ), and the XXXX XXXX XXXX XXXX, I was entitled to fair consideration, which I did not receive. The denial also raises concerns under the disparate impact doctrine, which prohibits lending practices that disproportionately affect protected classes. 

Lastly under XXXX XXXX, the debtor is considered the owner of the funds or assets used in a secured transaction. When a person takes out a loan, they effectively fund it themselves because their promissory note represents real value. The bank does not lend its own money but instead exchanges the value of the promissory note for Federal Reserve XXXX, making it a currency exchange rather than a traditional loan. So basically the bank ( SECU ) would monetize the borrowers ( myself ) signature and deposit the note as an asset, then would issue me a corresponding liability ( loan ) against it. Which means the borrower ( myself ) funds the transaction, not the banks ( XXXX ) own reserves. 

I request an immediate review of this matter, including a detailed explanation of the decision-making process and corrective actions that will be taken to address these violations. Please provide a response within XXXX business days before I escalate this matter to the appropriate regulatory authorities. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: IL

Complaint narrative:
Disputed Collection with XXXX Credit Bureau and have not received any Information on the Debt. Debt were removed by XXXX Credit Bureau initially but added back. Disputed Debt with XXXX Credit on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft XXXX XXXX XXXX Balance : {$200.00} date open : 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 2025-02-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding the unacceptable treatment I have received after opening my accounts with USAA. When I initially applied, I was required to open my checking and savings accounts over the phone with an agent. I successfully opened and funded both accounts. Immediately after, I applied for a credit card, at which point my accounts were inexplicably blocked and locked. 

Not only have I been completely locked out from accessing my own money, but I have also been unable to speak to anyone over the phone regarding this issue. I was instructed to upload my ID, which I did, yet I have received no further communication or resolution. No one has been able to assist me, and there appears to be no avenue through which I can speak to a representative who can resolve this matter. This is entirely unacceptable. 

It is not uncommon for new members to open multiple products at once, including checking, savings, and credit card accounts. Using this as a justification for locking my accounts is not only unreasonable but also indicative of poor customer service practices. The inability to reach a representative who can provide assistance only exacerbates the issue, leaving me without access to my own funds and no way to resolve the situation. 

USAA must immediately remove the lock on my accounts and restore my ability to access my money and process my credit card application. The lack of support and transparency in this process is wholly unprofessional and deeply concerning. I expect an immediate response and a resolution to this matter without further delay. 

I demand prompt action to resolve this issue, and I expect to be contacted with a resolution immediately.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian recently reported inaccurate consumer information. law. 
I demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report 2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations. 
If Experian fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c - Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experian 's failure to remove or correct such information violates this provision and harms my creditworthiness.

2. **15 U.S.C. 1681e - Fair Credit Reporting.

I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experian 's negligence and noncompliance. 
This letter serves as formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. 
Sincerely, 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