vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
I am XXXXXX/XX/XXXX ( DOB : XX/XX/XXXX ), and I am writing to report an issue with Experian and Transunion. For the past 8 months, my credit report has not been updated. After contacting Experian and Transunion to inquire about this, I was informed that there are two Social Security numbers linked to my file. This situation has caused concern, as I have not received updates to my credit report during this period.

I would appreciate it if you could investigate and resolve the issue, ensuring that my credit report is updated correctly and that the mistake with the Social Security numbers is addressed.

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 2025-02-12 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: GA

Complaint narrative:
I have been working hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Transunion keeps disregarding crucial legal regulations XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( B ) ( i ) ( XXXX ) ( XXXX ), XXXX XXXX XXXX ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX c ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, BALANCE WAS PAID IN FULL, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, XXXX. ) XXXX XXXX XXXX XXXX - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXX. ) XXXX XXXX XXXX XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( XXXX ), and more : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-02-12 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:
Had Experian look at some disputes for me and they still came out afterwards

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 2025-02-12 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX 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
Consumer complaint received 2025-02-12 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:
As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activity, no later than four business days from the receipt of this notification. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1900.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX XXXX Balance Owed XXXX {$350.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} ; 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

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am writing this formally stating, midland credit management continuously calling my phone daily and sending mail to my home threatening to sue me if I do not set up a payment with them, I do not acknowledge signing a contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
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 2025-02-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
Hello XXXX XXXX, I am writing to formally express my concerns regarding XXXX handling of disputes. In light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that revealed significant problems with the platform, I have been unable to resolve my claims through adequate investigation by my financial institution and Zelle. 

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. This has left 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 2025-02-12 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: AZ

Complaint narrative:
I am XXXXXX/XX/XXXX ( DOB : XX/XX/XXXX ), and I am writing to report an issue with Experian and Transunion. For the past 8 months, my credit report has not been updated. After contacting Experian and Transunion to inquire about this, I was informed that there are two Social Security numbers linked to my file. This situation has caused concern, as I have not received updates to my credit report during this period.

I would appreciate it if you could investigate and resolve the issue, ensuring that my credit report is updated correctly and that the mistake with the Social Security numbers is addressed.

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 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Fraudulent Accounts Request for Immediate Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the accounts listed under my name and Social Security number with LVNV Funding LLC. These accounts were opened fraudulently without my authorization, and I request that they be immediately removed from my credit report. 

I have never applied for, opened, or authorized any accounts with CXXXX XXXX XXXX XXXX XXXX XXXXXXXX! XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and I demand that you : XXXX. Immediately cease all collection efforts related to these fraudulent accounts. 
XXXX. Provide me with all documentation related to these accounts, including any signed agreements, account statements, and any evidence linking me to the debt. 
XXXX. Remove these accounts from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ). 
XXXX. Provide written confirmation that these accounts have been deleted from my credit report. 

If you continue to report these fraudulent accounts without definitive proof that I authorized them, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I expect a written response confirming the removal of these fraudulent accounts. If I do not receive a satisfactory resolution within 30 days, I will take further legal action to protect my credit and rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX, and I am assisting my aunt, XXXX XXXX, who is XXXX XXXX XXXX and does not speak English. She recently received court documents regarding a complaint from American Express National Bank, stating that she owes {$4300.00}. These documents were sent to her previous address, where she has not lived for many years, and were subsequently forwarded to her. 

XXXX XXXX never opened this credit card account and never authorized anyone to open or use it on her behalf. This is a clear case of identity theft, and she urgently needs assistance in disputing this fraudulent debt and clearing her name. 

Please advise on the next steps she should take to resolve this matter. We would appreciate any guidance or documentation required to formally report this identity theft. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I requested info about account and received some of what I requested.reading through all Info there was still info missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-12 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: AZ

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
I recently opened a new bank account with Chime and set up for Direct deposit with my employer. I decided to go with Chime based on XXXX features that is advertised on their website. The features advertised was sign up for direct deposit and get paid 2 days early and spot me for like a payday loan. On XX/XX/XXXX I started checking my Chime account for my early pay and it was not there. I called Chime customer service around XXXX and was treated horribly. The phone rep left me on hold for minutes with never checking back with me. Then she told me that she does see my direct deposit set up and told me my employers name XXXX XXXX XXXX XXXX Co. However the funds are not released because my employer is verifying the bank information. Normally an account is verified before an employer sets up the direct deposit, not after. She rudely talked over me and when I asked for a supervisor she proceeded to tell me that her supervisor is going to tell me the same thing. I thought that was very rude and unprofessional of her. The supervisor now comes on the line and I explain everything to him. Even how his rep told me she sees the direct deposit from my employer. He then tells me he does not see the direct deposit. long story short the supervisor ignorantly hung up on me. Chime is providing false information on their website for early payday if you set up for Direct Deposit. Before this I was dealing with XXXX and I always got my pay 2 days early since 2019. My pay came every Tuesday at XXXX pm EST. I really am upset that I fell for the false advertisement and was fluked. Them when I called Chime I was treated so horribly and hung up on. I never swore or said anything in a threatening manner for the supervisor to hang up on me like that. Mostly the fact that I decided to do business with chime and put my money that I work hard for into their Financial Institution and was treated with no respect. After this experience I did switch my direct deposit back to XXXX and I will be closing out the account with Chime whenever I do finally get my pay deposited. Chime needs to be fined for false advertisement and lying to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Date : XX/XX/XXXX To : TransUnion Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX Dear TransUnion XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under XXXX law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

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 2025-02-12 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXXXXXX balanced {$3000.00}

Company response to consumer: Closed with non-monetary relief