vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

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 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a charge-off that appears on my credit report from I.C. System. This account is negatively impacting my credit, and I am requesting that you investigate its accuracy and validity. 

Account XXXX : XXXX : XXXX. System Account Number : [ Your Account Number ] Reported Charge-Off Date : [ Date Listed on Credit Report ] After reviewing my credit report, I have concerns regarding the accuracy and fairness of this charge-off. I request that you provide documentation verifying that this debt is valid and was properly reported per the Fair Credit Reporting Act ( XXXX  ). If you can not verify the legitimacy of this charge-off with proper documentation, I respectfully request that it be removed from my credit report immediately. 

Additionally, if this account has been sold or transferred, I request the contact information of the current owner of the debt. If there are any errors in the reporting of this account, I ask that you update or delete the inaccurate information accordingly. 

Please respond to this request within the legally required 30-day timeframe, as outlined under the FCRA. You XXXX send your findings and any supporting documentation to the address listed above. 

Thank you for your prompt attention to this matter. I appreciate your time and effort in ensuring my credit report is accurate. 

Sincerely, 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 2025-03-02 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: OH

Complaint narrative:
Inquiries : XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX  Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year>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 2025-03-02 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-03-02 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: CA

Complaint narrative:
To whom this may concern, I am attaching an FTC report containing 1 fraudulent account and 1 fraudulent inquiry done by someone other than me on XX/XX/year>! Please delete block remove under FCRA 605B victim of fraud 4 day block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute a tradeline on my credit report that I believe to be inaccurate and does not belong to me. The details of the tradeline are as follows : Creditor Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$4300.00} I request that you provide proof that this debt is mine. Specifically, I ask that you supply the original signed document ( s ) bearing my signature or any other appropriate evidence that legally associates me with this debt. If you are unable to provide such proof, I request that you immediately remove this tradeline from my credit report.

As per the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to a fair and accurate credit report. Section 1681i ( a ) of the FCRA requires that if information on a credit report is disputed, the credit reporting agency must investigate the matter and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Since the account in question is not mine, I am requesting that you comply with the law and remove this erroneous information from my credit file.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), I am entitled to request validation of a debt. I request that you provide the original signed document ( s ) or other evidence proving that I am legally responsible for this debt. If you are unable to provide such evidence, this debt must be considered invalid, and the tradeline should be removed from my credit report.

In my previous dispute attempts with the credit bureaus, I used the following dispute codes to try to resolve this issue : Code 1 : " Not My Account '' ( Fraudulent or Identity Theft ) Code 2 : " Inaccurate Information '' ( Account was mistakenly reported under my name ) Code 3 : " No Signature '' ( Request for original signed documentation or contract ) Despite these attempts, the account remains inaccurately listed, which is negatively impacting my credit score. As I have not been provided with any valid documentation proving my responsibility for this debt, I request that the incorrect tradeline be immediately removed from my credit report in compliance with the aforementioned laws.

If the requested documentation can not be provided, I insist that this incorrect tradeline be removed from my credit report without further delay.

Please respond promptly with your findings and any necessary actions taken to resolve this matter, as required under the FCRA and FDCPA. 

Thank you for your immediate attention to this issue. 

Sincerely, 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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I call bank of America and they do not want to do their job. I always forced them to their online XXXX, which says you can not dispute that here ; call the bank. 6hrs and nothing. 
I want the Bank of America Credit Card division to call me about their inability to resolve a transaction and locate another one.

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 monetary relief
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank
State: TX

Complaint narrative:
I was a victim of identity theft and breach of information I never signed for a first progress credit card and its on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
After opening a secured card with XXXX, XXXX XXXX revealed on XX/XX/year>, my credit score dropped by a surprising XXXX points. I contacted XXXX  investigation office, and they assured me they would look into the situation and correct it if necessary. Since then, Ive been in touch with a representative, XXXX, who recently sent me a letter advising that I contact TransUnion directly, as there was nothing further she could do. Unfortunately, when I reached out to TransUnion, I was informed that the issue appears to be on XXXX  end. 

Although my score has since recovered by XXXX points on XX/XX/year>, it still remains extremely low. Both TransUnion and XXXX have been unable and unwilling to explicitly state what factors impacted my score and have been sending me back and forth to each other with no resolution or transparency. I went from a score of XXXX to XXXX, and its now at XXXX. This has significantly impacted my ability to search for an apartment and has caused me considerable stress. If I can not secure an apartment, I am in danger of facing homelessness.

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 2025-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Summoned XX/XX/XXXX in state of XXXX. XXXX is in XXXX and its an awarded marital asset that XXXX XXXX stopped making payments year XXXX until now but also due to forebearance. I just moved into property XXXX XXXX replaced what was XXXX past due bills and XXXX inside and outside of house,. This past month I went to a XXXX XXXX XXXX but I do have a cousel. But I feel like he doesnt help me but always agree with plantiff. And all the attorney fees thats be accumulated has become over {$100000.00} to include the unpaid balance. Its this law and legal I have been the only person since I got summoned, with my own monetary funds fixed up my home and now they served a final judgement for XXXX XX/XX/XXXX. I didnt even get to show any witness or any documents being recorded because my counsel email me saying its the plantiff that has to provide they point that I didnt do my due diligence. First off I just resided on this property last year XXXX but I need major subject matter expert eyes I dont feel right at all that I was XXXX the right amount of factual time and I made sure to move to XXXX XXXX start new now its mindblowing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Called to see if I had a payment due and was told by XXXX  that my account was closed by Synchrony Bank. That is their privilege, not a right in the US Constitution, but it is not fair and they are blaming the consumers of their credit for their shortfall. The letter they sent through your agency has XXXX  about being a loyal costumer but when spoke to rep in person I was told the account was less than a year old. Maybe the have a different name or something. Dont you think there should be aware of when the account was opened. I will never shop there again and none of my family will either. I also contact our state consumer protection agency and filing a complaint with them. I am also contacting my state senators about their unfair and unreasonable credit tactics.h

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 2025-03-02 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: VA

Complaint narrative:
I attended XXXX XXXX XXXX for 4yrs and was told that they was closing down because of fraud. All the students that attended was to get a refund because of this a d loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX dispute I'm writing to dispute the inaccurate information reported about me under the following recent Experian Data Breach. Recently, I received a notice regarding a security incident that may have exposed my personal information. I take my protection of my data seriously and I would have reviewed the information provided. Unfortunately, I've discovered the following errors. 

My information being sold on the black web of XX/XX/year> Also new medical charges and charges that I have not been aware of through other creditors that are not me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX dispute I'm writing to dispute the inaccurate information reported about me under the following recent Experian Data Breach. Recently, I received a notice regarding a security incident that may have exposed my personal information. I take my protection of my data seriously and I would have reviewed the information provided. Unfortunately, I've discovered the following errors. 

My information being sold on the black web of XX/XX/year> Also new medical charges and charges that I have not been aware of through other creditors that are not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account open dates is incorrect, payments history is incorrect and not enough payment history being provided with certain dates, therefore total amount owed is incorrect and can not be accurately verified as factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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 am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report 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 explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing to request a correction on my consumer credit report. This closed account that appears on my Experian report is fraudulent, it is incorrect and it does not relate to me. Thank you for your assistance.

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX Original Balance ; {$750.00} Status ; paid, closed

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 2025-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Company refuses to remove me from mortgage. I have sent in a divorce decree numerous times stating that the mortgage is NOT my financial responsibility. I have signed documents for them to get my name removed and they refuse. Meanwhile they continue to let my ex spouse live in the house for free and ruin my credit. He has made the choice to not pay the mortgage since 2018. I have been trying to work on my credit score to get it up and I was doing so until recently when it took a huge decline again because this mortgage increased.

Company response to consumer: Closed with explanation