vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts on my credit report that are negatively impacting my financial standing. Despite my previous disputes with the credit bureaus and the reporting companies, these accounts remain without proper verification. 

The accounts in question are : XXXX XXXX XXXX  XXXX Reported balance of {$XXXX}, which is inaccurate. The company has not provided proper documentation validating this debt. 
XXXX XXXX Reported balance of {$XXXX}, but I have not received proof that this debt is valid. 
XXXX XXXX ( XXXX Bank ) Reported balance of {$XXXX}, which I dispute due to lack of proper validation. 
XXXX XXXX Reported balance of {$XXXX}, still appearing despite my prior disputes. 
XXXX XXXX Reported balance of {$XXXX}, which I believe is incorrect and unverifiable. 
These accounts have been disputed with the credit bureaus, yet they remain on my report without proper verification. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, fully verifiable, and timely. Since these companies have failed to provide proper validation, I request immediate removal of these items. 

Dates, amounts, and actions taken : XX/XX/XXXX : First dispute filed with the credit bureaus No valid response or documentation received. 
XX/XX/XXXX : Contacted XXXX  XXXX, XXXX XXXX, and XXXX Bank to request verification No proper validation provided. 
XX/XX/XXXX : Followed up with credit bureaus to request investigation No resolution. 
XX/XX/XXXX : Final dispute attempt made with credit bureaus Accounts still not properly verified. 
Total disputed amount : {$XXXX} I am requesting the CFPB to review this matter and ensure that these inaccurate accounts are removed from my credit report in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: OH

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2025-03-14 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: OH

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX {$XXXX}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: GA

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Accounts to Dispute XXXX XXXX XXXX XXXX, High Balance : {$21000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$13000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$3400.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3400.00}, Last Date of Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$3700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3700.00}, Last Date of Payment : N/A Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-14 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: MS

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Accounts to Dispute XXXX XXXX XXXX XXXX, High Balance : {$21000.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$13000.00}, Last Date of Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, High Balance : {$3400.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3400.00}, Last Date of Payment : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, High Balance : {$3700.00}, Last Date Account was verified : XXXX, Date of Last Activity : XX/XX/XXXX, Owed Balance : {$3700.00}, Last Date of Payment : N/A Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX Hard Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IN

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 2025-03-14 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: CA

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts on my credit report that are negatively impacting my financial standing. Despite my previous disputes with the credit bureaus and the reporting companies, these accounts remain without proper verification. 

The accounts in question are : XXXX XXXX XXXX  XXXX Reported balance of {$XXXX}, which is inaccurate. The company has not provided proper documentation validating this debt. 
XXXX XXXX Reported balance of {$XXXX}, but I have not received proof that this debt is valid. 
XXXX XXXX ( XXXX Bank ) Reported balance of {$XXXX}, which I dispute due to lack of proper validation. 
XXXX XXXX Reported balance of {$XXXX}, still appearing despite my prior disputes. 
XXXX XXXX Reported balance of {$XXXX}, which I believe is incorrect and unverifiable. 
These accounts have been disputed with the credit bureaus, yet they remain on my report without proper verification. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, fully verifiable, and timely. Since these companies have failed to provide proper validation, I request immediate removal of these items. 

Dates, amounts, and actions taken : XX/XX/XXXX : First dispute filed with the credit bureaus No valid response or documentation received. 
XX/XX/XXXX : Contacted XXXX  XXXX, XXXX XXXX, and XXXX Bank to request verification No proper validation provided. 
XX/XX/XXXX : Followed up with credit bureaus to request investigation No resolution. 
XX/XX/XXXX : Final dispute attempt made with credit bureaus Accounts still not properly verified. 
Total disputed amount : {$XXXX} I am requesting the CFPB to review this matter and ensure that these inaccurate accounts are removed from my credit report in compliance with the FCRA.

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 2025-03-14 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:
I am disputing multiple inaccurate and unverifiable accounts on my credit report that are negatively impacting my financial standing. Despite my previous disputes with the credit bureaus and the reporting companies, these accounts remain without proper verification. 

The accounts in question are : XXXX XXXX XXXX  XXXX Reported balance of {$XXXX}, which is inaccurate. The company has not provided proper documentation validating this debt. 
XXXX XXXX Reported balance of {$XXXX}, but I have not received proof that this debt is valid. 
XXXX XXXX ( XXXX Bank ) Reported balance of {$XXXX}, which I dispute due to lack of proper validation. 
XXXX XXXX Reported balance of {$XXXX}, still appearing despite my prior disputes. 
XXXX XXXX Reported balance of {$XXXX}, which I believe is incorrect and unverifiable. 
These accounts have been disputed with the credit bureaus, yet they remain on my report without proper verification. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, fully verifiable, and timely. Since these companies have failed to provide proper validation, I request immediate removal of these items. 

Dates, amounts, and actions taken : XX/XX/XXXX : First dispute filed with the credit bureaus No valid response or documentation received. 
XX/XX/XXXX : Contacted XXXX  XXXX, XXXX XXXX, and XXXX Bank to request verification No proper validation provided. 
XX/XX/XXXX : Followed up with credit bureaus to request investigation No resolution. 
XX/XX/XXXX : Final dispute attempt made with credit bureaus Accounts still not properly verified. 
Total disputed amount : {$XXXX} I am requesting the CFPB to review this matter and ensure that these inaccurate accounts are removed from my credit report in compliance with the FCRA.

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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle network failed to safeguard my money and left me open to fraud and losses. They should be held accountable for those actions and to later down the line put the notice up before sending money now is a problem! Once the money is gone, it's not coming back! They were rushing to put an application out and not thinking about the repercussions of the consumers. 

I've sent over {$3000.00} in Zelle. 

From 2017 until now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: IN

Complaint narrative:
My credit means a lot to me, and XXXXm really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I sent instructions for my principal 's account balance be debited from the Collateral Deposit Account and set off by Discover Bank 's Treasurer and Indentured Trustee, XXXX XXXX XXXX, Vice President, Chief Financial XXXX and Treasurer. 

However, this was not done, causing a restraint of trade as this credit card account was closed. 

After a thorough investigation it has come forth that I am in-fact the Creditor/Lender that funded this account with Discover Bank. 

Discover Bank has fraudulently misrepresented themselves as a lender and has breached a fiduciary duty with a severe violation of misappropriation of funds that lead to a gross enrichment to my detriment and to Discover Bank 's gain. 

Fraudulent misrepresentation : where a false representation has been made knowingly, or without belief in its truth, or recklessly as to its truth.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: 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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : WFC # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> 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 2025-03-14 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: TN

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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