vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX  I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 2025-02-11 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: KY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of despuites particularly in light of the recent CFPB law suit highlight significant issue 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 my lost funds was imposible and that tracking these transactions was infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-11 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-12 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: NC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-12 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 inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
THIS IS NOT A COMPLAINT AGAINST AFFIRM. AFFIRM IS A GREAT COMPANY. AFFIRM IS CURRENTLY TRYING TO RESOLVE THE PROBLEM I apologize going through the CFPB but Affirm customer service did not give me the option to send them ( Affirm ) the correct files. I forgot to upload the updated files. The file that I uploaded was the files that I sent along with my complaint against XXXX, XXXX to Federal Trade Commission and the XXXX XXXX XXXX Attorney General Office. 


On XX/XX/year>, I informed and filed a dispute claim regarding the XXXX purchase. However, I accidentally uploaded the wrong file to show Affirm on what was going on. 


On XX/XX/year>, I purchased XXXX, XXXX, XXXX machine for my elderly parents using my Affirm credit. On Sunday, XX/XX/year>, I received the XXXX, XXXX, XXXX machine. 

On XX/XX/year>, I received a response email from XXXX, XXXX, the makers of the XXXX machine. 

XXXX, XXXX informed me that I would have to pay for the return shipping. 

Neither XXXX advertisements nor the manual mentioned that customers must pay for return shipping, which surprised me. On XX/XX/year>, I filed a complaint with my states attorney general office. And the United States Federal Trade Commission. The FTC complaint number is XXXX. 

As of XX/XX/year>, I have not heard from XXXX, XXXX. 

Before filing complaints against XXXX XXXX XXXX, I discovered via the XXXX XXXX XXXX  that theyve had multiple customer complaints, particularly from seniors regarding product returns. 

Below is the URL of XXXX XXXX XXXX findings on XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: U.S. BANCORP
State: IL

Complaint narrative:
I applied for and was approved for the U.S. Bank XXXX XXXX Credit Card on XX/XX/XXXX, which included a XXXX bonus mile offer after meeting a specified spending requirement. 

I activated and started using the card on XX/XX/XXXX, and met the required spending within three months as per the promotional terms. I expected the XXXX bonus miles to be credited in my statement after fulfilling the spending requirement, but they were not. 

I waited for the next statement, but the miles were still missing. On XX/XX/XXXX, I contacted U.S. Bank customer service to inquire about the missing bonus. The representative informed me that I was ineligible for the bonus due to a new rule restricting previous cardholders from earning the bonus again. 

When I applied for the second card in XX/XX/XXXX, there were no publicly stated restrictions on earning the bonus again. U.S. Bank never communicated this policy change during my application process. This restriction was not disclosed at the time of my application. I met all spending requirements in good faith, expecting to receive the advertised reward.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the unfair and abusive practices of credit reporting agencies in their handling of consumer credit data. My concerns are as follows : 1. Delayed Reporting of Payments While negative transactions such as balances and late payments are reported almost instantaneously, payments made to credit accounts take an excessive amount of timeoften more than a monthto reflect on consumer credit reports. This practice unfairly distorts creditworthiness and creates unnecessary financial stress.

2. Disproportionate Impact on Credit Scores The credit scoring system is excessively punitive. A single minor infraction, such as a slightly increased balance or a one-time late payment, can result in a drastic drop of up to XXXX points, significantly hindering access to credit. In contrast, recovering lost points is a slow and difficult process, making it unjustifiably challenging for consumers to maintain strong credit profiles. 

These practices create undue hardship for consumers and seem designed to benefit lenders at the expense of fairness and accuracy. I urge the Consumer Financial Protection Bureau to investigate these systemic issues and implement regulatory measures to ensure timely reporting of payments and a more equitable scoring model that does not disproportionately penalize consumers for minor infractions. 

I request a formal response outlining the actions that will be taken to address these concerns. Please feel free to contact me at your earliest convenience should you require additional information.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I submitted XXXX fraud claims with discover bank about a year ago with Discover Bank. I was reporting the whole statement since my card was stolen. The claims that were unfortunately caught in them were XXXX XXXX transactions to my mother. At the time I didnt know but these were made by mistake. I recently contacted discover bank because my mom cant open a bank account and cant use XXXX. I can support and a test that shes my mother. XXXX transactions in the amounts of ( XXXX {$200.00} {$75.00} $ ), moms name XXXX XXXX to my mother for groceries at the time I didnt have my card. Discover bank told me they couldnt do anything for me that its basically done deal. I filed these by mistake and didnt know that these transactions were in my dispute. These transactions were reversed back into my account stating the investigation was not on my favor meaning a legitimate transaction which has me confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXXXXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXX Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my report XXXX XXXX XXXX XXXX XXXXXXXX **** Charged off account closed paid as agreed no reporting correct information remove a place back on ready see this off my reporT 15 U.S.C. 1681 ] ( 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.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XXXX : XX/XX/year> Last XXXX of XXXX : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date : Re : REMOVAL FROM CREDIT REPORT This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation, not a cursory statement bearing my signature, showing that I have or had some contractual obligation to pay you. 
Please also be advised that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company for this account is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FCRA 609 & 623 ) if the debt remains unverifiable. If you can not validate the debt, you must request removal of credit reporting agencies to correct this reporting. 
Pending the outcome and investigation of any evidence that you submit, you are instructed to take no action that could be considered detrimental to any of my credit accounts. 
Failure to respond within 30 days of receipt of this certified letter will result in an immediate legal action including an official complaint with the FTC and CFPB, as well as seeking up to {$1000.00} in damages as outlined by FCRA regulations. 
You may be in violation of : 1. Fraudulent Use or Misuse of Identity Theft 2. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in court in your local law site, since you are clearly doing business in my state.

Per the provisions of 15 U.S.C 1692 et seq., this notice has the same effect as a dispute to the validity of the debt. Please note that this is an attempt to correct your records. 
Please also be aware that an attorney is reviewing this matter, and any information concealed from you will be considered a willful violation of federal and/or state law, if necessary. This is to serve as further evidence of my attempt to seek a statement, citation, or waiver of status. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation