vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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 discovered several inaccuracies and unauthorized entries on my credit report that have significantly impacted my financial opportunities. These inaccuracies include accounts with balances ranging from {$570.00} to {$52000.00}, opened between XX/XX/XXXX and XX/XX/XXXX, as well as hard inquiries made by XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX and XXXX XXXX ( XX/XX/XXXX ). 

Despite disputing these items with Experian, no satisfactory resolution was reached. According to the Consumer Financial Protection Bureau ( CFPB ), Experian fails consumers at every stage of the dispute process. This systemic failure invalidates all previous disputes and investigations related to my credit report, as they were handled through a flawed and unreliable process. 

Experian has violated the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct reasonable reinvestigations 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) : Failure to forward disputes within XXXX business days 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete inaccurate, incomplete, or unverifiable information 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Failure to notify consumers of reinvestigation results 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), ( C ) : Failure to prevent reinsertion of previously deleted information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( 2 ) : Failure to reinvestigate disputes about hard inquiries 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Unreasonable over-reliance on furnishers ' Automated Credit Dispute Verification ( ACDV ) responses Experians failures have resulted in the following harm to me : Denied credit opportunities. 
Denied housing and employment opportunities. 
Emotional distress and humiliation. 
Reputational harm and stigma. 
Negative impacts on my familys quality of life. 
I request the immediate removal of the disputed items and inquiries, a reinvestigation in compliance with the FCRA, and monetary redress for the harm caused by Experians systemic violations.

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 2025-01-15 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate 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 notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected not removed.

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 2025-01-15 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-15 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:
Experian has failed to fulfil its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts un resolved. 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 disputed 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 2025-01-15 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-01-15 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:
I am writing to file a formal complaint regarding the conduct of Experian in handling unresolved disputes over several unvalidated and inaccurate accounts on my credit report. I have received repeated stall letters in response to my disputes, and accurate resolution has not been provided despite a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure verification and accuracy of credit reporting information. 

**Accounts in Dispute** : XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX These accounts are inaccurately reporting on my credit report across all three major credit reporting agencies, damaging my credit score and misrepresenting my credit character. The lack of resolution is a violation of consumer protection rights and has resulted in significant negative impacts, including credit denial, increased stress, and reputational harm. This aggravating situation can be addressed through corrective action, with the potential for seeking punitive damages due to negligent reporting practices.

**Impact and Damages** : - **Credit Denial** : I have faced denials and unfavorable financial terms due to these inaccuracies, harming both my financial opportunities and credibility. 
- **Emotional and Reputational Harm** : XXXX stall tactics and inability to provide timely and accurate resolutions have led to distress and a tarnished reputation. 
- **Possible Legal Action** : Due to such negligence, Experian could face legal action under FCRA provisions seeking both actual and punitive damages.

**Requested Relief** : - Immediate deletion of the abovementioned unvalidated and inaccurate accounts from my credit report, ensuring all details reflect accurately across their reporting systems. 
- An acknowledgment explaining the actions being taken to rectify these discrepancies immediately. 
- Measures to ensure compliance with FCRA requirements in all future reportage. 

I urge the Consumer Financial Protection Bureau to intervene and ensure Experian acts to correct these inaccuracies and halt any further damage to my credit profile. 

I appreciate your attention to this urgent matter and anticipate your support in compelling Experian toward strict compliance and consumer justice.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
As of a year ago I was no longer able to use my Zelle as I was banned due to fraud. There was no fraud occurring as it is my owner account and only wanted to use to send money. Called the bank multiple times and said there was nothing they could do called Zelle multiple times and they had the same response. Its said that I requested to remove myself from Zelle which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> there was a withdrawal of {$7800.00} made going to my chase bank account from my XXXX  XXXX account but my chase bank account is closed. I contacted XXXX  XXXX they told me that they sent it out to my chase bank account then I contacted chase bank they told me they never got any of the funds from capital XXXX. So I go ahead and call XXXX  XXXX then they continue to tell me they sent the fund but I have never got it neither has chase bank. I have been dealing with calling back and forth for a while and Im tired of this and just want this solved and get my money back. I also filed a report on XXXX  XXXX they got back to me and said that they already sent the money and I need to contact chase but you guys keep telling me that you guys dont have anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 tracking these transactions were infeasible. The CFPB indicated that Zelle has shared consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-15 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-15 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to attain other credit. I understand That XXXX XXXX will investigate this accounts for me to ensure accuracy. Here is the account Im asking you to verify XXXX Acct XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: VA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to attain other credit. I understand That XXXX XXXX will investigate this accounts for me to ensure accuracy. Here is the account Im asking you to verify XXXX Acct 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 2025-01-15 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX has put XXXX XXXX on my credit report and I have reported it as identity theft/fraud. I have submitted my FTC report to them, I also completed the XXXX XXXX XXXX required by XXXX. This same account was on my XXXX and I followed the steps required and it was removed and now they put it on my XXXX. As I advised XXXX, this account was opened by my Ex whom I had a relationship with and he was abusive and I ended the relationship, filed a restraining order and he retaliated by using my personal information to open several accounts. The amount on my credit report shows XXXX for XXXX at an address Ive never lived at as well. I do have my FTC report number and the cox identity report. I am requesting this account for XXXX XXXX and their collection company Transworld Systems to be removed off my XXXX report due to identity theft/fraud. Thanks for your time. Have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: KS

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 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 2025-01-15 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:
On XX/XX/XXXX, I submitted a formal request to XXXX, Equifax, and XXXX to remove unauthorized credit inquiries from my credit report, citing violations of the Fair Credit Reporting Act ( FCRA ) under Section 604.

Despite my request, no substantiating documentation has been provided to verify the permissible purpose of these inquiries, and Equifax along with other major credit bureaus have failed to address or resolve the issue within the XXXX period required by law. 

The inquiries in question include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in my follow-up complaint to the CFPB dated XX/XX/XXXX, still no proof of permissible purpose, documentation to substantiate the hard inquires, or corrective action has been provided. The continued reporting of these inquiries without validation constitutes a breach of my rights and an inaccurate representation of my credit file. 

I urgently request the immediate removal of these inquiries and a formal acknowledgment of this complaint to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
I am writing to address a matter of significant concern regarding my consumer credit report. It has come to my attention that my personal information was exposed in a recent national data breach. Upon reviewing my credit report, I discovered several accounts that I do not recognize or recall authorizing, I've attempted to solve this problem 3 times. Congress states that credit reporting agencies have a grave duty to report complete and accurate information in regard to consumer credit reports. To ensure the accuracy and legitimacy of the reported information, I have previously requested validation of the debts associated with these accounts from the credit reporting agencies ( CRAs ). However, to date, I have not received the required documentation or verification substantiating these accounts. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], specifically : Section 609 ( Disclosure of Information to Consumers ) : I am entitled to all documentation related to the disputed accounts, including the original creditor 's name and verification details. Section 611 ( Procedure in Case of Disputed Accuracy ) : The CRAs are required to reinvestigate disputed information and remove or correct any unverifiable or inaccurate data within 30 days of my dispute. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request debt validation, including evidence that these debts are legitimate and that the reporting entities have the authority to collect or report them. The lack of sufficient validation violates this statute. As my information has been compromised, I have taken the following steps to protect my identity and resolve this matter : 1. Filed a complaint with the Federal Trade Commission ( FTC ), reference number XXXX. 2. Attached is a copy of the National Data Breach notification report for your review. 3. Submitted a certified debt validation request, including proof of delivery CM # XXXX. I urge you to comply with your obligations under the FCRA and FDCPA by : Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate investigation and removal of any unverifiable, inaccurate, or unauthorized information from my consumer credit file.

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One 360 Business account what they charged off without any notification, didn't send any letters ect. And they didn't notified me or or called me nothing. They didn't let my checks going through. Didn't let me close it even. And just kept my money for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my Account In XXXX and was promoted if i had or spent XXXX XXXX  + total with capital one they will promote me XXXX XXXX  just for using it within 3 months so i did and didnt receive anything and i asked capital one they said they dont do it anymore

Company response to consumer: Closed with explanation