vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report, and to notify you of your failure to comply with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Your continued mishandling of my credit report is an unacceptable violation of my rights as a consumer, and I am prepared to take legal action if this issue is not resolved immediately. 

The disputed information on my credit report is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inaccurate reporting has severely damaged my credit score and caused financial harm. I have previously submitted multiple disputes regarding this matter, and despite your legal obligation under the FCRA to investigate and correct erroneous information within 30 days, I have seen no meaningful resolution. The failure to address my dispute promptly and accurately is a blatant violation of the FCRA.

I am explicitly requesting the following : Immediate removal or correction of the disputed entry. 
A written confirmation detailing the outcome of your investigation and updated copies of my credit report reflecting the corrections. 
A formal explanation of the steps taken to resolve this matter and prevent future inaccuracies from being reported. 
Please be advised that under the FCRA, you are legally obligated to ensure the accuracy of the information you report and to conduct a reasonable investigation when a consumer disputes an item on their report. Your failure to meet these requirements has left me no choice but to consider further action. 

I am formally notifying you that if this issue is not resolved to my satisfaction within 10 calendar days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violation of consumer rights, as well as the Federal Trade Commission ( FTC ). 
Seek damages through a lawsuit under the FCRA for willful noncompliance with credit reporting obligations. 
I have already consulted with my legal counsel, and I am fully prepared to pursue this matter in court, seeking damages for the harm caused by your reckless disregard for consumer protection laws. 

I expect your immediate attention to this matter and a written response within the next 10 days. Failure to resolve this dispute will leave me no option but to escalate this matter and pursue legal remedies to the fullest extent possible. 

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

Complaint narrative:
I had an old car that was paid off due to it being totaled the insurance and gap paid it XXXX XXXX XXXX I have invalid collections! I don't remember having those credit cards! The debt collectors haven't sent me any paperwork showing i signed to get them. XXXX XXXX and another credit card. They was supposed open like 7 years ago

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: PA

Complaint narrative:
I am writing to formally dispute information on my credit report due to the recent data breach that occurred at Experian, which potentially compromised my personal financial information. 
As a result of this breach, I believe that my credit report may contain inaccurate or fraudulent information that is not reflective of my true credit history.

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: AZ

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 failed to adequately notify consumers of dispute outcome. 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 inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was the victim of bank fraud. I had received a text from Chase bank asking me if I had made a purchase on my debit card to which I responded " no. '' They texted that an agent would call me. Minutes later, a call from " Chase Bank '' came to my phone. They asked me to confirm my address and date of birth. They told me that they were closing my account and sending me a new ATM card. 

Days later, all of my accounts, had been drained of all the money I had adding up to around {$3000.00}. I called the fraud line and they looked into it. They denied my claim telling me that it was my ATM card that had been used. When I told them it wasn't me, they told me there was nothing they could do. 

The next day, I went into my branch and after doing research, they notified me that a new card had been sent to an address that wasn't mine. They advised me to file a police report which I did to bring it back to the bank. 

I did all of this, all the time asking why they couldn't just access the bank cameras to show that it wasn't me making the withdrawls. They told me they would resubmit my claim with all of the information and the police report. Days later, I got another message that they were denying my claim and not reimubursing my money because they could not prove fraud.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 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: FL

Complaint narrative:
Ive sent several letters asking for several accounts on my credit reporting errors to be removed. Charged off accounts from XXXX. As well as other fraudulent accounts and loans opened with identity fraud. They said that the disputes were investigated and updated and were correct but never sent me proof of their investigation. All these false reports have hindered me from getting business loans and buying a home. I asked for every negative item to be removed and only XXXX things were deleted. As well as them not updating late payments error on my 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Ive sent money and zelle told me there nothing they can do about it

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: CT

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 {$11000.00} XXXX {$11000.00} XXXX {$0.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$31000.00} XXXX XXXX XXXXXXXX {$14000.00} XXXX {$0.00} XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX {$58000.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX$4600.00} XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$27000.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX {$1400.00} XXXX XXXXXXXX XXXX {$76.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX XXXX {$2800.00} XXXX XXXX  XXXX {$1300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AR

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 information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/year>, I sent in a letter after pulling my credit and seeing several inaccuracies on my consumer report. I asked for verification and validation and I was nothing to validate the inaccuracies. This will be my third time asking for an accurate investigation. Please delete this account of my file immediately and notified the other credit bureaus of the deletion. It is damaging to my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I was assessed an incorrect {$30.00} fee for paying the principal on a HELOC. I called Pen Fed Credit Union at XXXX and the agent refused to issue me the credit for an incorrectly assessed fee.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Request for Proof of Loan Satisfaction for Loan Number XXXX Dear Carrington Mortgage Services, I am writing to formally notify you that the loan associated with Loan Number XXXX has been satisfied in full. As such, I am requesting an official document verifying that the loan has been paid off and executed. 

This proof of loan satisfaction is necessary for my records, and I kindly ask that you provide it at your earliest convenience. Please include details confirming the release of any associated liens and the closure of this account. 

Should you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV 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: IL

Complaint narrative:
I would like the following acounts deleted from my consumer reports and I would also like to remedied {$2000.00} for damages due tothe negligence of XXXX and the constant disregardfor my rights by 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like the following acounts deleted from my consumer reports and I would also like to remedied {$2000.00} for damages due tothe negligence of XXXX and the constant disregardfor my rights by 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 — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently disputed an account for inaccurate reporting, I have never been associated with the address related to this alleged account, 15 USC 1681 e ( b ) Duty to Assure Accuracy, also sent another dispute 15 USC 1681 I Procedure of Investigation to try again by reinvestigating this account again. 15 USC 1681s-2 Furnishers of Information and the duty to provide accurate information, Furnishers must not report inaccurate or incomplete data CRA 's .

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/year>, I brought an amount of {$320.00} to a 5/3rd bank I frequent. This took place in the drive through transaction lane. I asked for the funds to be placed into my checking account, and for a receipt. When I got my receipt back, it said {$300.00}. I raised my concern with the teller who snapped at me that it had been counted twice with two different machines. I had counted it several times ( 6 to be exact, I dont like being unprepared when visiting the bank ). The same teller has, in the past, made mistakes before. They have shorted me on cash and been caught, they have neglected to thoroughly inspect the checks I bring through, as some of those have been missed as well. They made it clear I wouldnt be able to challenge them on it, which is why Im filing a report.

Company response to consumer: Closed with monetary relief
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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX account # XXXX I'm asking to provide the following info 1.name and address of original creditor?

2.amount of debt?

3.proof your agency has right to collect debt 4.any judgements 5.proof the debt hasn't passed statue of limitations 6.also the FFA ( forward flow agreement )

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address serious inaccuracies on my credit report. There are several accounts listed that I have never opened or authorized, and these accounts should not appear on my report. This is not only unjust but also deeply concerning, as I have never engaged in any actions that would warrant such listings.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address serious inaccuracies on my credit report. There are several accounts listed that I have never opened or authorized, and these accounts should not appear on my report. This is not only unjust but also deeply concerning, as I have never engaged in any actions that would warrant such listings.

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