vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Dear Experian Dispute Department, I am writing to dispute several accounts that have been reported on my credit profile, which are not mine. The details of the accounts in question are as follows : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported fraudulently without my consent. As these are not my accounts, I kindly request that you investigate and remove them from my credit report.

Thank you for your immediate attention to this dispute. If further information is required, please do not hesitate to contact me.

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 2025-01-30 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: MS

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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
called Goodleap regarding falty roof and a/c. Goodleap did not care only wanted their money. Reguested another construction company to repair damages created by XXXX XXXX, they were not willing to hear about damages only wanted their money. Goodleap made empty promises, they had no intenton of helping me. In my 2024 stoped making payments to Goodleap at the suggestion of an attorney I spoke wtih from XXXX XXXX in the city of XXXX, California.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX did not verify any information against credit reports to truly verify the identity of a consumer. I have called them on multiple occasions to get them to fix their information and even told them that what was done was fraud. They never resolved the issue and I have contacted them beginning in XXXX of 2024.

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 2025-01-30 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 made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-30 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:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2025-01-30 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: AL

Complaint narrative:
Incorrect information being reported on my Experian account, I have disputed these incorrect account previously and no action was taken. I am now using consumer law to delete these incorrect accounts.

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 2025-01-30 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: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT VICTIM VIA XXXX DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I am filing this complaint to formally dispute multiple inaccurate, unverifiable, and incomplete items listed on my TransUnion credit report. Despite previous attempts to resolve these disputes, TransUnion has failed to correct or remove the erroneous information, causing ongoing harm to my creditworthiness and financial health. 

Disputed Items : The following accounts are disputed due to their inaccurate 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 TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically FCRA 1681i ( a ) , which mandates credit reporting agencies to conduct reasonable investigations within 30 days when a dispute is filed. 

TransUnion has also violated FCRA 1681s-2 ( b ), requiring them to investigate and correct inaccuracies in a timely manner. If these accounts can not be verified with proper documentation, they must be removed immediately from my credit report. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), FDCPA 1692g, I am entitled to debt validation for collection accounts, and TransUnion is legally obligated to remove unverifiable collection accounts after failure to provide the requested documentation.

Impact and Legal Consequences : The inaccurate and unverifiable information is causing substantial harm to my credit score, hindering my ability to obtain credit, loans, and other financial products. The continued presence of this erroneous information is adversely affecting my financial stability.

If TransUnion fails to resolve this dispute and correct the inaccuracies within the statutory 30-day period, I will pursue legal action for statutory damages and emotional distress, as provided under FCRA 1681n & 1681o, and FDCPA 1692k.

Request for Immediate Action : I am requesting that TransUnion immediately investigate and correct these inaccuracies. If the accounts can not be verified with supporting documentation, they must be removed from my credit report. I further request a written acknowledgment of receipt of this dispute and a detailed response within 30 days outlining the actions taken. 

Failure to resolve this dispute will compel me to escalate this issue further, including formal complaints to the FTC, Florida Attorney General, and filing for legal recourse for damages.

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 2025-01-30 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:
I disputed with XXXX twice that the account with XXXX XXXX XXXX ending in account XXXX has been charged off by the original creditor and they received a tax write off for the charged off loss in the amount of {$20000.00} of which was the full loan amount but they are still reporting that I owe {$8400.00}. I explained that I never received a 1099 from XXXX XXXX XXXX to go through the proper reporting to the IRS. I also know that they filed a claim with their insurance company to offset the alleged loss. The liability no longer exists due to these two actions but they are still reporting it and XXXX has not shown me their steps they have taken to verify this which goes against my rights through 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 non-monetary relief
Consumer complaint received 2025-01-30 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:
I disputed with XXXX twice that the account with XXXX XXXX XXXX ending in account XXXX has been charged off by the original creditor and they received a tax write off for the charged off loss in the amount of {$20000.00} of which was the full loan amount but they are still reporting that I owe {$8400.00}. I explained that I never received a 1099 from XXXX XXXX XXXX to go through the proper reporting to the IRS. I also know that they filed a claim with their insurance company to offset the alleged loss. The liability no longer exists due to these two actions but they are still reporting it and XXXX has not shown me their steps they have taken to verify this which goes against my rights through 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This account was paid off. The account is stating a charge off in which the company received their money to satisfy account. This is no longer a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: WV

Complaint narrative:
After attempting to dispute with XXXX about a XXXX XXXX card that is closed they keep sending it back verified even though they know for a fact it's inaccurate and can not have all that on it when it's closed and showing your balance and payment history and everything else. Under the fcra regulations they have to take this off my credit report because it's harming it. They refuse to do so and I believe they're not doing their job properly. I would like them to send me a description of procedures they followed to do this verification. And I know if they can not do this within 15 days it is a violation under law under 15 USC 1681i ( A ) ( 7 ) of the FCRA. I know the reason they keep saying it was verified is because it's easier to just say it's verified by looking at the previous dispute.

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 2025-01-30 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: WV

Complaint narrative:
After attempting to dispute with XXXX about a XXXX XXXX card that is closed they keep sending it back verified even though they know for a fact it's inaccurate and can not have all that on it when it's closed and showing your balance and payment history and everything else. Under the fcra regulations they have to take this off my credit report because it's harming it. They refuse to do so and I believe they're not doing their job properly. I would like them to send me a description of procedures they followed to do this verification. And I know if they can not do this within 15 days it is a violation under law under 15 USC 1681i ( A ) ( 7 ) of the FCRA. I know the reason they keep saying it was verified is because it's easier to just say it's verified by looking at the previous dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
During the checkout process of a phone preorder on XXXX, I was advertised to, that I could get " no interest for 24 months '' on my purchase if I applied for a credit card through Best Buys  partnership with Citi and XXXX. I applied for the card and was approved, however when I went to finish the transaction, the transaction was declined because Citi did not approve the full transaction amount. I tried speaking to their customer service line and was given the runaround of " well there is nothing we can do because the amount approved is based off of your credit ''. This is a predatory business practice and false advertising. They are luring you in by promising an interest free purchase on a new credit line and then once you have signed on, only then do you find out that they did not approve the full purchase amount and you now have a credit card that you would not have opened otherwise and there is now a " hit '' on your credit report. In the end I could not complete the purchase and therefore not redeem the advertised benefit.

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 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear XXXX, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. Theses practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reomserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine cosumer protectionsand perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the Inaccurate Information being report : 1.

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 2025-01-30 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: OH

Complaint narrative:
This letter serves as a follow-up to my ongoing dispute regarding the inaccurate and unverified negative items on my credit report. Despite my repeated requests for proper verification and removal, you have failed to provide any substantiated evidence confirming the legitimacy of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
This letter serves as a follow-up to my ongoing dispute regarding the inaccurate and unverified negative items on my credit report. Despite my repeated requests for proper verification and removal, you have failed to provide any substantiated evidence confirming the legitimacy of these accounts.

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 2025-01-30 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: MI

Complaint narrative:
It shows inquiries on my credit report which I never gave anyone permissible permission to use nor consent to use my personal information to pull my credit report. These inquiries are identity theft and needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation