vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-24 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: NY

Complaint narrative:
I disputed several inaccuracies on my credit report with Experian, including multiple collection accounts that are either unverifiable, incorrect, or incomplete. I submitted dispute letters on [ insert approximate date ( s ) ] requesting validation of the information being reported. Despite my efforts, Experian has not conducted a proper investigation as required by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( duty to reinvestigate disputed information ) and 15 U.S.C. 1681e ( b ) ( requirement to ensure maximum accuracy ). 

The accounts in question include : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  : Reported a balance of {$320.00} with no validation of how the balance increased from the original amount of {$83.00}. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Balance of {$2000.00} was reported with no evidence or documentation supporting this debt. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) : Multiple collection accounts with balances of {$540.00} and {$460.00} are reported with conflicting payment histories and no validation. 
XXXX. XXXX XXXX XXXX ( XXXXXXXX XXXX  ) : XXXX accounts with balances of {$3600.00} and {$3500.00} were reported without proper validation of their accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX ) : An old collection account with an original balance of {$27000.00} remains on my report, marked as disputed but unresolved, with no validation provided. 

These inaccurate accounts have negatively affected my credit score and limited my ability to access credit, housing, and employment opportunities. Despite requesting documentation and validation, Experian has failed to provide any evidence or respond adequately. 

Additionally, the payment histories and balances for several accounts are inconsistent, misleading, or incomplete. For example, balances are listed as past due despite the accounts being charged off, creating further inaccuracies. This demonstrates a lack of compliance with 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ). 

The recent CFPB lawsuit against Experian for failing to conduct proper investigations of credit report errors reflects the same systemic issues I have experienced.

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 2025-01-24 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-01-24 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: FL

Complaint narrative:
Comenity smile gn debt was sold. I called them and was told this debt is no longer valid and that it should not be on my credit report as of XX/XX/year>. OVER 7 years later later and it is still on my report. THIS XXXX XXXX XXXX  DEBT NO LONGER EXITS. I HAVE DEMANDED FOR THIS INACCURATE DEBT THAT I DO NOT OWE XXXX XXXX XXXX needs to be removed immediately. This is fraudulent activity on XXXX and Transunion. I am going to sue these credit bureaus if they continue to fail to do their job. Remove this from account. There is a XXXX balance charge off since 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
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: AZ

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I've had self credit card since 2022 never made a late payment my account has always been on auto pay. for some reason self credit card has turned off auto pay on my account without my knowledge. this has caused my credit score to decrease significantly. since the comapny removed auto pay i have missed payment on my credit report. ive never missed a payment on this account. i demand that these payments be updated to reflect to true status of on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
I submitted disputes to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. I provided detailed letters and supporting documentation for these disputes. Despite my efforts, the issues remain unresolved : XXXX : I submitted disputes with the following dispute numbers : ( The ones I can find ) Your Report Number is : XXXX Your Investigation ID is : XXXX XXXX XXXX XXXX. 

However, I am unable to access the details of these disputes because XXXX has not provided a clear way for me to review them. Additionally, I have not received an adequate explanation or resolution, and the inaccuracies remain on my credit report. 

XXXX and TransUnion : I received dispute results from both bureaus, but they failed to adequately explain how the information was verified. They did not address my concerns in detail, and the inaccuracies remain on my credit report. 

TransUnion XXXX XXXX Issue : Whenever I apply for credit with creditors that use TransUnion for XXXX, I am denied because they can not verify my identity. I made sure my credit profile was not frozen during these times, and I sent TransUnion a letter with my personal information ( ID, Social Security card, proof of address ) to verify my identity. I also called their customer service, but I was told there was nothing wrong on their end. Despite this, creditors still can not verify my identity through TransUnion, which has negatively impacted my ability to obtain credit. 

Because of these unresolved issues, I no longer trust the accuracy of the information on my credit reports from XXXX, XXXX, and TransUnion.

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 2025-01-24 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:
I submitted disputes to Experian, XXXX, and XXXX regarding inaccurate information on my credit report. I provided detailed letters and supporting documentation for these disputes. Despite my efforts, the issues remain unresolved : Experian : I submitted disputes with the following dispute numbers : ( The ones I can find ) Your Report Number is : XXXX Your Investigation ID is : XXXX XXXX XXXX XXXX. 

However, I am unable to access the details of these disputes because Experian has not provided a clear way for me to review them. Additionally, I have not received an adequate explanation or resolution, and the inaccuracies remain on my credit report. 

XXXX and XXXX : I received dispute results from both bureaus, but they failed to adequately explain how the information was verified. They did not address my concerns in detail, and the inaccuracies remain on my credit report. 

XXXX XXXX XXXX Issue : Whenever I apply for credit with creditors that use XXXX for XXXX, I am denied because they can not verify my identity. I made sure my credit profile was not frozen during these times, and I sent XXXX a letter with my personal information ( ID, Social Security card, proof of address ) to verify my identity. I also called their customer service, but I was told there was nothing wrong on their end. Despite this, creditors still can not verify my identity through XXXX, which has negatively impacted my ability to obtain credit. 

Because of these unresolved issues, I no longer trust the accuracy of the information on my credit reports from Experian, XXXX, and 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> and XX/XX/year>, I received unsolicited Visa Debit cards from Cash App in XXXX XXXX, Illinois. In neither case did we apply for the cards. In addition, using normal financial institution verification procedures, these cards should not have been issued. I have long had freezes in place with all XXXX credit bureaus, and with XXXX XXXX. Had Cash App followed normal financial institution protocols, neither account would have been opened. These were opened to perpetrate fraud and/or facilitate money laundering. 

While Cash App has agreed to investigate, and will likely close both accounts ( in process ), they do not have proper identity verification systems in place NOW. This should not be happening. We can only assume personal information has been leaked in data breaches- since these accounts can be opened with minimal information. However, if Cash App simply did normal validation before opening an account, this would not continually happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: NE

Complaint narrative:
XXXX AND XXXX. ( The agency ) has placed account XXXX on my credit report. The account stems from a XXXX or XXXX utility bill in XXXX. This falls outside the scope ( statute of limitations ) in the FDCPA ( 15 USC 1692 et seq ) and falls outside statute of NEBRASKA limitations ( XXXX XXXX ). The agency can not verify that incumbent lived under the jurisdiction where debt was incurred. The agency ( XXXX ) has violated consumer protection laws and the FDCPA. I have requested the removal of account from credit report to no avail. The agency 's compliance department never returns correspondence by first class mail or phone. I did record all phone calls with XXXX and did document attempts to resolve this with the agency XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Issue/Account with XXXX, Equifax Dear CFPB Team XXXX I am writing to file a formal dispute regarding an issue with XXXX, Equifax. Below are the details of my concern : Nature of the Dispute : Incorrect information on my credit report and Violation of my consumer rights. 
Report # XXXX  ( XXXX ) Equifax XXXX XXXX ) XXXX XXXX of Events : I have reached out to dispute from 2021 to date. Despite my efforts to resolve this matter directly with XXXX, including contacting their customer service departments, the issue remains unresolved. I believe this matter warrants CFPB 's attention as it involves potential violations of consumer protection laws. 

I kindly request that the CFPB investigate this matter and take appropriate actions to ensure a fair resolution. Please let me know if you require any additional information or documentation from me. 

Thank you for your assistance. I appreciate your dedication to protecting consumers like me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax XXXX Department, I am writing to formally dispute several accounts that have been fraudulently reported on my credit profile. My identity and personal information have been compromised, and I am requesting the immediate investigation and removal of the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened or reported without my knowledge or consent, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681 Section 602 ( a ) My right to privacy and protection from inaccurate reporting of accounts that do not pertain to me.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my written consent. 
I have attached supporting documentation, including a personal statement regarding my identity theft situation, to assist with your review. 

Please investigate and remove these accounts from my credit report immediately. Thank you for your prompt attention to this matter. If further information is needed, feel free to contact me.

Company response to consumer: Closed with non-monetary relief