vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically XXXX XXXXwhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX  XXXX XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express contacted phone numbers that I never gave them. 

They left messages They shared my data to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
XXXX is erroneously showing the account I had with 1st Franklin to be 60-day late in XX/XX/scrub> 2024. This account has never been late and was showing on time in XXXX 2024 ( last accurate reporting prior to payoff ) and paid in full on XX/XX/scrub>, 2024, 5 days prior to the due date. Let alone that this account was not late in XXXX, how could it go 60-day late in one payment cycle with the due date on XX/XX/year>2024, and the payoff on XX/XX/year>2024. 
This incorrect information has damaged my ability to access credit with huge financial consequences for my family. Despite multiple attempts to have XXXX and the original creditor update this information, the credit bureau is still blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Heres a sample dispute letter you can use to address inaccurate information on your credit report regarding collections : [ XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX [ XXXX tx XXXX [ XX/XX/XXXX Experian ] XXXX XXXX XXXXXXXX, XXXX, TX XXXX. 
] XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
[ XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name/Debt Collection Agency Name ] , I am writing to dispute inaccurate information appearing on my credit report under my account with your organization. The details are as follows : Creditor/Debt Collector Name : [ Enter Name, e.g., XXXX XXXX XXXX XXXX XXXX Account Number : [ Enter Account Number, if available ] Amount Disputed : [ Enter the incorrect amount listed ] This information is inaccurate for the following reasons : [ State why its incorrect : e.g., This account does not belong to me, The reported amount is incorrect, or This debt has already been paid. ] I am requesting that you investigate this matter and remove or correct the inaccurate information immediately. In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information or remove it within 30 days. 

To assist your investigation, I am including copies of supporting documentation ( e.g., receipts, proof of payment, statements, or other relevant information ) proving the inaccuracy of the account. Please find these documents attached to this letter. 

Once you complete your investigation, please provide me with written confirmation of the outcome. If the item is corrected or removed, I would also like an updated copy of my credit report. 

Thank you for your attention to this matter. Please contact me if you need any additional information. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ Your Full Name ] Enclosures : [ List any documents youre including, such as a copy of your credit report with the error highlighted, proof of payment, etc. ] Let me know if you need further help tailoring this letter!

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 2025-02-03 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: MI

Complaint narrative:
I am filing a formal complaint against TransUnion, Equifax, and Experian for their continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S. Code 1681o**. Since 2022, I have repeatedly disputed **inaccurate information** on my credit report, yet the credit bureaus have **failed to conduct a proper investigation** as required by law. 


Despite my numerous requests, they continue to **verify inaccurate information** without providing any legitimate proof of their verification process. Under the FCRA, credit reporting agencies are required to : 1. Conduct a **reasonable** investigation of disputed items. 

2. Provide the consumer with documentation supporting the validity of reported information. 

3. Correct or remove **inaccurate, incomplete, or unverifiable information** within the required time frame. 

Their failure to uphold these obligations has directly harmed my creditworthiness and financial stability. Given their non-compliance and negligence, I am requesting the CFPB to : 1. **Investigate TransUnion, Equifax , and Experian** for failing to conduct proper reinvestigations in accordance with the FCRA. 

2. **Hold them accountable** for their negligence under **15 U.S. Code 1681o**, which provides for damages caused by negligent non-compliance. 

3. **Direct them to remove the disputed inaccuracies** from my credit report immediately. 

For reference, I have attached copies of my previous dispute letters, return receipts, and responses ( or lack thereof ) from the credit bureaus. I expect a formal response regarding the actions the CFPB will take to address this matter. 
Please confirm receipt of this complaint and provide updates on the status of my request.

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 2025-02-03 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: MI

Complaint narrative:
I am filing a formal complaint against TransUnion, Equifax, and Experian for their continued negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S. Code 1681o**. Since 2022, I have repeatedly disputed **inaccurate information** on my credit report, yet the credit bureaus have **failed to conduct a proper investigation** as required by law. 


Despite my numerous requests, they continue to **verify inaccurate information** without providing any legitimate proof of their verification process. Under the FCRA, credit reporting agencies are required to : 1. Conduct a **reasonable** investigation of disputed items. 

2. Provide the consumer with documentation supporting the validity of reported information. 

3. Correct or remove **inaccurate, incomplete, or unverifiable information** within the required time frame. 

Their failure to uphold these obligations has directly harmed my creditworthiness and financial stability. Given their non-compliance and negligence, I am requesting the CFPB to : 1. **Investigate TransUnion, Equifax , and Experian** for failing to conduct proper reinvestigations in accordance with the FCRA. 

2. **Hold them accountable** for their negligence under **15 U.S. Code 1681o**, which provides for damages caused by negligent non-compliance. 

3. **Direct them to remove the disputed inaccuracies** from my credit report immediately. 

For reference, I have attached copies of my previous dispute letters, return receipts, and responses ( or lack thereof ) from the credit bureaus. I expect a formal response regarding the actions the CFPB will take to address this matter. 
Please confirm receipt of this complaint and provide updates on the status of my request.

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 2025-02-03 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ALLY FINANCIAL XXXX Balance {$8700.00} XXXX XXXX  XXXX Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Accounts on My Credit Report Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute the continued reporting of incorrect and unauthorized accounts on my credit report by XXXX and Equifax. Despite my previous disputes, these credit bureaus have failed to remove accounts that do not belong to me, which is negatively impacting my credit profile. 

One specific account that should be removed immediately is : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account does not belong to me, and I have no affiliation with it. I am requesting an immediate investigation into this matter and the permanent removal of this and any other unauthorized accounts from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair reporting. The continued presence of these accounts on my report is a violation of my rights and has caused unnecessary harm. If this matter is not resolved promptly, I may be forced to escalate my complaint further, including seeking legal remedies. 

Please provide me with written confirmation once these accounts have been removed. I appreciate your prompt attention to this matter. If you require any additional information, please contact me at the address, phone number, or email listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of the new recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate My claims adequately. They informed me that were recovering. My loss. Funds was impossible. And that track of these transactions is unfeasible.The CFPB findings indicate that XXXX not only has neglected to protect consumers but has also allowed repeat offenders to to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Source Receivables Management LLC
State: AL

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app said I owed them XXXX XXXX dollars I paid them the money and then the said due to privacy polices I could no longer used their services but didn't explain to me what policies I broke

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CT

Complaint narrative:
Hard inquire not authorized XXXX XXXX XXXX XX/XX/year> Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Unknown and Unauthorized hard inquiries on my credit account

Company response to consumer: Closed with explanation