vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
Subject : Request for Account Blocking and Deletion Due to Data Breach Dear XXXX Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 
3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent three rounds of letters for Equifax to send me a copy of my credit report and to fix my personal information immediately. They are reporting the wrong birthdate and social which is causing me not to be able to get a credit report from them, nor any financial requests from my credit union because they pull from equifax. I have sent multiple letters, I have called, I have sent multiple copies of my ID, social security card, and my bank statement, and they keep on sending me letters back saying to send the items that I have already sent numourous times. They need to ensure that all my personal information is corrected. My birthday should be XX/XX/XXXX ( they have it as XXXX ) and my social should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 tracking these issues unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, there a statements from credit card companies also that I have paid thats still showing. There are a lot of issues from years ago that should not be on my reports because I paused what I owed. I have given up on this issue because they lie to you. They will act as if its off but when you try to purchase something it shows up. My score is low because of these issues so I stop trying to fix them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to a data breach involving all three major credit bureausEquifax, Experian, and TransUnionmy personal information was compromised. As a result, my sensitive data has been exposed, putting me at risk of identity theft and fraudulent activity. To protect myself and restore my financial security, I need to clear my credit report of all existing accounts and inquiries associated with this 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 2025-03-01 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: TX

Complaint narrative:
Due to a data breach involving all three major credit bureausEquifax, Experian, and TransUnionmy personal information was compromised. As a result, my sensitive data has been exposed, putting me at risk of identity theft and fraudulent activity. To protect myself and restore my financial security, I need to clear my credit report of all existing accounts and inquiries associated with this 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 2025-03-01 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There is a charge for XXXX XXXX XXXX For {$2200.00} I did not do and American Express is saying I did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I cant remember I need this off my credit its stopping me from buying a house I never got a job from going to school for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Lowes credit card which goes threw synchrony bank about 6 months ago I noticed they were charging XXXX for a mailed statement. So i decided to go paperless. And set my account to autopay so Incase i forget to pay. I wouldnt be access a late fee, so its been ok its paid automatically. And when I can I pay extra. Now last yr I did an interest free promotion. For 6 months so my account has been 0 %. As of XX/XX/year>25 my promotion ended and I was accessed XXXX charged because the promotion balance wasnt fully paid. I never ever received a notification saying this was due, no emails and due to being paperless. I had no idea. I went through my email history and there is no notice. Or warnings, I called them and they said its my responsibility to check my online statements every month, my complaint is I feel like they purposely make you go paperless so you dont notice these promotions are ending so they can charge you for the interest. I been with them for a long time. And always pay on time and pay the promotions off so no interest is owed. They had no help for me .very rude I spoke with a supervisor and she was no help.. They basically said thats its my fault.! Im paying them off and will never used them again. I feel violated! And I bet Im not alone! Synchrony is the worst!!

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 2025-03-01 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: LA

Complaint narrative:
This account was paid in full and closed on XX/XX/year>. I asked the company to report this information to the credit bureaus but it still shows a revolving credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
This account was paid in full and closed on XX/XX/year>. I asked the company to report this information to the credit bureaus but it still shows a revolving credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX GA XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX Dispute Department po box XXXX XXXX, TX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Department XXXX XXXX  XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report ( Report Number : XXXX ) To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit report issued by XXXX XXXX XX/XX/XXXX, with report number XXXX. Upon reviewing my report, I noticed a significant error related to my Discover Bank account ( Account Number ending in XXXX ). 

Specific Inaccuracy : The report states that the account was charged off with a past-due amount of {$9100.00} as of XX/XX/XXXX. However, the balance history section indicates a {$0.00} balance consistently from XX/XX/XXXX through XX/XX/XXXX. This inconsistency suggests an error in the reported status of the account. 

Given this contradiction, I kindly request that you : Reinvestigate this account information with Discover Bank. 
Correct the status of the account if the {$0.00} balance is accurate, or provide supporting documentation validating the charge-off and past-due status. 
Update my credit report accordingly and send me a corrected copy. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference. 

I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 

Thank you for addressing this issue promptly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate remark on my credit report under my rights provided by the **Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681 ] ** and California consumer protection laws, including the **California Consumer Credit Reporting Agencies Act ( CCRAA ) [ California Civil Code 1785.1 et seq. ] **. 

Upon reviewing my credit report, I noticed the following inaccurate remark : XXXX XXXX Account Number : XXXX Remark in Dispute : Repossession ; redeemed Repossession ; redeemed Basis for Dispute : Under **California Civil Code 1785.16**, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The remark in question is either incorrect, outdated, misleading, or not substantiated by proper verification. Furthermore, the **FCRA ( 15 U.S.C. 1681i ) ** requires that the credit bureau conduct a reasonable investigation and remove any information that can not be verified within **30 days** of receiving this dispute. 

I hereby request that you : 1. Conduct a full investigation into this disputed remark.

2. Provide documentation proving the remark 's accuracy and legitimacy.

3. Remove the remark from my credit report if it can not be verified. 

Enclosed are copies of relevant documents supporting my claim, including my credit report highlighting the incorrect remark and any correspondence with the creditor ( if applicable ). 

Please update my credit file accordingly and provide written confirmation of the results of your investigation. If you fail to remove the inaccurate remark, please provide a detailed explanation of your findings, along with the name and contact information of the party who verified the remark. 

If this matter is not resolved within **30 days**, I will have no choice but to escalate the issue by filing a complaint with the **California Department of Financial Protection and Innovation ( DFPI ) **, the **Consumer Financial Protection Bureau ( CFPB ) **, and potentially pursue legal action for non-compliance with federal and state credit reporting laws.

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 2025-03-01 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate remark on my credit report under my rights provided by the **Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I noticed the following inaccurate remark : GM Financial Account Number : XXXX Remark in Dispute : Repossession ; redeemed Repossession ; redeemed Basis for Dispute : Under XXXX XXXX XXXX XXXX, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The remark in question is either incorrect, outdated, misleading, or not substantiated by proper verification. Furthermore, the **FCRA ( XXXX XXXX. XXXX ) ** requires that the credit bureau conduct a reasonable investigation and remove any information that can not be verified within XXXX days** of receiving this dispute. 

I hereby request that you : 1. Conduct a full investigation into this disputed remark. 
2. Provide documentation proving the remark 's accuracy and legitimacy.

3. Remove the remark from my credit report if it can not be verified. 

Enclosed are copies of relevant documents supporting my claim, including my credit report highlighting the incorrect remark and any correspondence with the creditor ( if applicable ). 

Please update my credit file accordingly and provide written confirmation of the results of your investigation. If you fail to remove the inaccurate remark, please provide a detailed explanation of your findings, along with the name and contact information of the party who verified the remark. 

If this matter is not resolved within XXXX days**, I will have no choice but to escalate the issue by filing a complaint with the **California Department of Financial Protection and Innovation ( DFPI ) **, the **Consumer Financial Protection Bureau ( CFPB ) **, and potentially pursue legal action for non-compliance with federal and state credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

1. account name : XXXX XXXX account number : XXXX XXXX account name : XXXX XXXX XXXX  account number : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

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 2025-03-01 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-01 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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