vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
TransUnion refuses to investigate my dispute and remove XXXX ' improper reporting of a 30 day late payment added to my credit report. I have contacted TransUnion with a dispute on XX/XX/XXXX and XX/XX/XXXX online and XX/XX/XXXX by mail showing proof of payments and their dates. They are not actually investigating or reviewing my documentation, all they are doing is asking XXXX if they reported correctly and taking their word for it without reviewing any proof that I have that this remark is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: IL

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 platteform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They inform me that recovering lost funds was imposible 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 countability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I sent a letter to Experian on XX/XX/year> asking them to investigate this account XXXX XXXX balance : {$750.00} Date opened : XXXX XXXX. They sent me their investigation and said that this account was verified and accurate this is the report number of the letter I received from them # XXXX. And according to 15 USC 1681i ( 5 ) I see it states after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not re investigate and violated my right. Thank you

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Inaccurate Account [ XXXX XXXX  ] Dear Credit Bureau, I am formally disputing an error on my credit report regarding the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged-off with incorrect balance The balance reported on this account is inaccurate. 
The correct balance is {$0.00}, yet your records show a past due balance of {$36.00}. 
This misreporting is negatively impacting my credit and must be corrected immediately. 

Request for Immediate Action I request the following action under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct an immediate investigation into this discrepancy.

2. Provide written confirmation of the results of your investigation within 30 days, as required by law.

3. If the furnisher of the information ( XXXX XXXX  ) can not verify the accuracy of the balance, this account must be removed entirely from my credit report. 

I have attached supporting documents that verify this accounts true status. Please consider this letter as official notice of my dispute. If this information is not verified within the time required by law, you must immediately delete this account from my credit report. 

I attached my proof below of all my payments. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please refer to the attachments pertaining to the Equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$330.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$220.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$540.00} XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$6000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$680.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$330.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$220.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$540.00} XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$640.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$6000.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$230.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX owed : {$680.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$6100.00} Inquiries Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Card was lost, ordered a new one never received it. So to avoid harming my credit score I asked to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Inaccurate Account [ XXXX XXXX  ] Dear Credit Bureau, I am formally disputing an error on my credit report regarding the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged-off with incorrect balance The balance reported on this account is inaccurate. 
The correct balance is {$0.00}, yet your records show a past due balance of {$36.00}. 
This misreporting is negatively impacting my credit and must be corrected immediately. 

Request for Immediate Action I request the following action under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct an immediate investigation into this discrepancy.

2. Provide written confirmation of the results of your investigation within 30 days, as required by law.

3. If the furnisher of the information ( XXXX XXXX  ) can not verify the accuracy of the balance, this account must be removed entirely from my credit report. 

I have attached supporting documents that verify this accounts true status. Please consider this letter as official notice of my dispute. If this information is not verified within the time required by law, you must immediately delete this account from my credit report. 

I attached my proof below of all my payments. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Inaccurate Account [ XXXX XXXX  ] Dear Credit Bureau, I am formally disputing an error on my credit report regarding the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged-off with incorrect balance The balance reported on this account is inaccurate. 
The correct balance is {$0.00}, yet your records show a past due balance of {$36.00}. 
This misreporting is negatively impacting my credit and must be corrected immediately. 

Request for Immediate Action I request the following action under the Fair Credit Reporting Act ( FCRA ) : 1. Conduct an immediate investigation into this discrepancy.

2. Provide written confirmation of the results of your investigation within 30 days, as required by law.

3. If the furnisher of the information ( XXXX XXXX  ) can not verify the accuracy of the balance, this account must be removed entirely from my credit report. 

I have attached supporting documents that verify this accounts true status. Please consider this letter as official notice of my dispute. If this information is not verified within the time required by law, you must immediately delete this account from my credit report. 

I attached my proof below of all my payments. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
Data was breached from Experian, TransUnion, Equifax.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Recently, I did an investigation on my XXXX credit report and saw that there was an inquiry from XXXXXXXX XXXX XXXXhat was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact XXXXXXXX XXXX  attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet one out of the five sheet contract from XXXX XXXX. I requested for XXXXXXXX XXXX XXXXo provide documentation in regards to charge off account and the complete contract with XXXX XXXX XXXX XXXX  attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and TransUnion ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by XXXX XXXX for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX XXXX attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX complies with all applicable consumer protection laws. Thank you for your time and attention to this important 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 2025-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My score was decreased dramatically be cause I reported a new credit card that does not even have a payment due until XXXX. I worked 6 months to get my score up. Why is it legal for the credit bureaus to use a positive credit card, as a negative on my report. Which will effect my ability to obtain future loans etc.. This literally feels like I am being robbed in broad daylight. And does not seem fair or legal.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 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 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 non-monetary relief
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
Experian refuses to investigate my dispute and remove XXXX ' improper reporting of a 30 day late payment added to my credit report. I have contacted Experian with a dispute on XX/XX/XXXX online and XX/XX/XXXX by mail showing proof of payments and their dates.They are not actually investigating or reviewing my documentation, all they are doing is asking XXXX if they reported correctly and taking their word for it without reviewing any proof that I have that this remark is incorrect.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had complained about XXXX XXXX 's XXXX, fradulent and abusive behaivor. Meanwhile, I sent 2 full payments and they said they lost. They found the checks after I keep issuing new payments. At last, my third attempt, the bill got paid completely and I closed my account for their XXXX, abusive customer service. Then I filed a complaint about their hostile, abusive, XXXX behaivor. Later, they sent me a refund by check completely as an 'apology '' during XXXX. I ended my complaint after the check recieved. Few days later, they reversed the refund, added many late fees, intetest fees on already closed account and reported my account as late, non payment. When I called how, why, the XXXX XXXX said they refunded me by mistake. When I disputed, the manager implied my race and said 'I was a XXXX  I know how to deal with people like you '' on a recorded conversation. She refused to let me speak with a higher manager to complain about her, continued to be abusive. Then hang up on me without any resolution. I filed another complaint. They responded something completely different to close my complaint. Then as a retailation, bullying tactics, they added more late fees, interest fees and reported my account for late, non-payment. In the middle of my real estate buy/sell, they intentionally decresed my credit scores, causing me financial loss. The dispute against XXXX XXXX Credit Card was NOT about the product, it was their XXXX, abusive, bullying managers and numerous mistakes after 7 months!

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