vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

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. 

This account is not mine and cant be verified

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 2025-03-05 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: FL

Complaint narrative:
XXXX XXXX - Settlement plan for XXXX month payment of {$39.00} and {$150.00} would be forgiven on XX/XX/XXXX. Was told account would be reported as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Settlement and Paid in full - {$340.00} ... Was told account would be reported as paid in full and all derogatory remarks removed and collection account would be deleted XXXX XXXX XXXX XXXX - Account Paid in full- {$610.00} .... Was told account would be reported and updated as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Called and spoke to a Representative and was asked to upload proof that I had insurance coverage prior to XX/XX/XXXX. And that once they received proof they would update the account and remove the collection account because I do not owe any money to the creditor. See Screenshot of conversation and correspondence email XXXX XXXXXXXX XXXX  - Account XXXX Paid in full {$850.00} and Account XXXX - Paid in full {$600.00}. Was told account would be reported and updated to reflect XXXX balance on both accounts and all derogatory remarks removed XXXX XXXX XXXX  - Account XXXX - Paid in full {$430.00} and Account XXXX Paid in full {$540.00} ... Was told accounts would be reported as paid in full with XXXX balance and all derogatory remarks 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 non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 2025-03-05 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Is reporting on my credit report. Im am demanding debt validation and legit investigation into this account. 

Never have I done business with this XXXX.. please provide original signed documents pertaining to debt. They are in violation of consumer law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Is reporting on my credit report. Im am demanding debt validation and legit investigation into this account. 

Never have I done business with this XXXX.. please provide original signed documents pertaining to debt. They are in violation of consumer law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: MA

Complaint narrative:
We are behind on our mortgage and would like to do a deferment of our missed payments. We have filled out the online assistance application and also emailed the documents. They are telling me today XX/XX/year> that my documents they received are not signed by my spouse which they clearly are. We filled out and signed every detail of the application both online and paper copies. I also wrote and signed 2 letters of why we need the deferment. They said my tax form and expense statement is not filled out when Im looking right at the file I sent them and it is. They are telling me they are not signed but they are so what am I supposed to do??? I feel like they are giving me the run around when I have been XXXX  and in the XXXX  and Im doing my best to sort this out. Now I just want to get this straightened out before its too late and lose my house. I have paid on this loan for 10 years and I just need some help the process shouldnt be so difficult.

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 2025-03-05 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information regarding the information that has been placed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Credit Reporting Guidelines. The account information provided by your agency is inaccurate, incomplete, and does not comply with the requirements set forth by federal law and industry standards.

Specific Disputes : 1. Incorrect Reporting of Account Status : The account is reported as " Collection/Chargeoff '' with a derogatory status. However, the details provided are inconsistent and incomplete. For exam
ple : - The " XXXX XXXX XXXX  '' is listed as " XXXX XXXX '' which contradicts the status of a charge-off. 
- The " XXXX XXXX XXXX XXXX '' and " XXXX XXXX '' fields are also marked as " XXXX XXXX '' making it impossible to verify the accuracy of the account status.

2. Violation of Metro 2 Guidelines : - The Metro 2 guidelines require that all fields be accurately completed to ensure fair and transparent credit reporting. The incomplete and inconsistent information provided violates these guidelines.

- The account is marked as disputed by the consumer, but the dispute is not reflected in the reporting, which is a violation of FCRA Section 611.

3. Failure to Verify Debt : - I have not received any validation of this debt, including the original creditor 's name, the amount owed, or documentation proving the debt is valid and enforceable.

Request for Action : Under the FCRA, I request that you : 1. Conduct a thorough investigation of this account and provide me with all relevant documentation, including : - The original creditor 's name and contact information.

- A copy of the original purchase agreement or contrac
t that establishes the debt.

- A complete payment history, including all transactions and charges.

2. Correct or delete the inaccurate and incomplete information from my credit report.

3. Provide a written response detailing the results of your investigation and the actions taken to resolve this dispute. 

**The purchase agreement must be included in the investigation** as it is essential to verify the validity of the debt. Without this document, I can not confirm that the debt is legitimate or that I am legally obligated to pay it. 

If you fail to investigate and correct the inaccuracies within 30 days, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under 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 2025-03-05 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: PA

Complaint narrative:
I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXXXXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX I respectfully request that TRANSUNION resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must investigate disputes within 30 days of receiving a formal request. However, more than 30 days have passed, and I have yet to receive any resolution, confirmation of an investigation, or update regarding this issue. The continued presence of this incorrect information has significantly harmed my creditworthiness, resulting in credit denials, higher interest rates, and emotional distress. This delay diminishes my confidence in the reliability and effectiveness of your processes.

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank
State: MS

Complaint narrative:
On XX/XX/scrub> 2024 I applied for a secured credit card with first progress and once applied I was told that I could put a deposit towards the card to be funded. I deposited {$510.00} to my account on the impression that I would be approved for the secured card. I called on the status of my application in XXXX, however my application was denied due to my paperwork not received in time for verifications, and I was told that I would be reimbursed back the deposit for the secured card which was the amount of {$510.00}. I waited for over a month and a half and no refund. I called and was told It was reimbursed back to my account but my bank stated no refund was given to my account. I reached out countless times from XXXX until now and no reimbursement has been made to me. I have constantly asked them but they have still never reimbursed me for my deposit that was guaranteed refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a bank account with Bank of America and one day I randomly got locked out of my mobile banking. Got on the phone with the bank but they told me by the time the wait was over was informed by a representative on the phone that they would be closing the account. I eventually find out that my account was linked to somebodys elses account and apparently XXXX XXXX  was withdrawn from his account to my account but no money was taken or anything like make it make sense. I have asked early warning services to have Bank of America remove this account expeditiously. The guy is somebody in Florida who Ive never met a day in my life and he would have to sign off on a transaction like that which would be impossible so clearly somebody was impersonating us or had our identities as far as IDs because I didnt know who that was until talking to a representative and doing a XXXX search. I demand Bank of America remove this account from XXXX XXXX and XXXX immediately.

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 2025-03-05 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-03-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief