vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XXXX I approach XXXX rentals and bought an equipment cash for {$4500.00} then I needed a next one so I approached them to buy an equipment for more money {$6500.00}. The salesman XXXX XXXX sent me over to their financing department and we got a call from XXXX salesman XXXX XXXX in which we were emailing back and forth and gave him my companys information to finance a lift on behalf of my company. I gave XXXX rentals a down payment on the lift then XXXX texted and email confirming financing then all of a sudden time payment is sending me a contract saying Im in a lease with Time payment for a 21 month lease and I said no thats not right I never been in business with time payment and I did not sign no lease and the information they are sending has the wrong initials and wrong name. They went in my bank account to collect payment and I disputed it and put a stop payment. Now fast forward to XXXX they reported a late payment on my credit of being 30 days late and I disputed it. This is a bad deal they are saying I owe {$10000.00} for an equipment which had a balance of {$5700.00} based on what I put a down payment on. This doesnt make any sense and I want the authorities to intervene

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 2025-01-25 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: MD

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Information on my credit is inaccurate I did not authorized these companies to run my credit I sent letters to Experian regarding the issue to run their investigateion still these items remain.

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 2025-01-25 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate late payment information listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. Upon careful review of my recent credit reports from XXXX, XXXX, and TransUnion, I noticed several late payments that are incorrectly reported. I request an immediate investigation and correction of these inaccuracies. 
Here are the details of the disputed accounts : XXXX. XXXX XXXX Bank XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> ), 90 days ( XX/XX/year> ), 120 days ( XX/XX/year> ), and 150 days ( XX/XX/year> ). 
o XXXX records show consistent and timely payments during the reported period. 
XXXX. XXXX XXXX Bank XXXX XXXX ( Account ending in XXXX ) o Reported late payments : 30 days ( XX/XX/year> ), 60 days ( XX/XX/year> and XX/XX/year> ), and 90 days ( XX/XX/year> ). 
o XXXX history does not support these claims. 
XXXX. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$510.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are incorrect. 
XXXX. XXXX XXXX Late Payment ( XXXX Report ) o Account balance : {$610.00} o Reported late payments associated with this balance, updated on XX/XX/year>, are also incorrect. 
I respectfully request that the incorrect information be verified with the creditor or removed promptly from my credit report. 
Additionally, I ask that you provide written confirmation of the resolution of this dispute. If you require further information, feel free to contact me Thank you for your attention to this matter. I look forward to your prompt response, as required 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 2025-01-25 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. THE CFFB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving people open for scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: AL

Complaint narrative:
Kickoff is reporting to all three credit bureaus that my account is in the negative.kickoff Inc placec delinquency on my account. Causing great damage to my credit and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently found a fraudulent inquiry on my credit report that I do not recognize. XXXX XX/XX/year>. Can you please remove this credit inquiry from my Credit Report?

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 2025-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB Auto refused to remove my closed/charged off account that is over 9 yrs old. I have filed MANY complaints asking for it to be completed removed. I am either denied or they change the payment history and report it as active. CURRENTLY both agencies are showing I have currently " 4 missed payments '' that are 60-90 days late and " needs attention ''. XXXX credit score is XXXX and XXXX is XXXX. These false reporting payment changes are " active '' which negativity affect my credit history & score. Both reporting inaccurate details and refuse to completely remove it from my credit. 
Your JPMCB AUTO FINANCE payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - 30 Days Late Here is what your payment history showed before : XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late JPMCB AUTO 60-89 Days Late | {$4300.00} past due You have missed a payment on this account. 
JPMCB AUTO Last reported XX/XX/XXXX {$4300.00} Reported balance Highest balance {$21000.00} Closed JPMCB AUTO FINANCE Last reported XX/XX/XXXX {$4300.00} Reported balance XXXX points since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I received information that my credit report dropped by over XXXX points. Tried to login online but could not. I am positive that my Username and Password are correct. But my security questions must have changed. The web goes to a webpage that says to call ( XXXX ) XXXX during hours of operation : Mon-Fri XXXX PT or Sat-Sun XXXX PT. In calling that number is an automated system that will only reset username and password. That automated system offers no representative between the hours specified on the web page above. I have had it send an email to reset the password and as indicated the password was correct but I did change it. Still can not get logged in. I have wasted 5 hours today to resolve why they refuse to support within the Hours of operation listed and specifically why my credit has declined when no bad financial incidents have been brought to my attention.

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 2025-01-25 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: GA

Complaint narrative:
I have disputed these collections and multiple times with Experian, and they kept ignoring my requests. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my creditworthiness. Again, I recently reviewed my credit report and noticed several collections. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive collections and they need to be removed immediately See Attachments ID Is attached to prevent several stalling letters

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX I was born on XX/XX/year>, my socia is XXXX, I live on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX, my phone number is XXXX. Please check and update my correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
I was the one affected into this lawsuit. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years. From XXXX Now My score keeps tanking every day.

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 2025-01-25 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: IN

Complaint narrative:
This company is still reporting inaccurate 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 2025-01-25 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: IN

Complaint narrative:
This company is still reporting inaccurate 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 2025-01-25 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: NE

Complaint narrative:
I am writing to file a formal complaint regarding the actions of the 3 major credit bureaus and their failure to comply with the requirements of U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report has been impacted by negligent actions, errors, and inaccuracies in violation of the FCRA, specifically under 1681o, and these violations have been associated with multiple accounts. These accounts, which are linked to inaccurate or outdated information, have been incorrectly reported on my credit file, negatively impacting my credit score and overall financial standing. Despite my attempts to resolve these issues with the credit bureaus, no satisfactory action has been taken to correct these discrepancies. This failure to correct the inaccuracies constitutes a violation of 1681o, as the credit bureaus are negligently noncompliant with the requirements to maintain accurate information in consumer credit reports.

As a consumer, I am entitled to accurate credit reporting, and these violations of the FCRA have caused harm to my credit and, by extension, my ability to obtain credit under reasonable terms. I respectfully request that the CFPB investigate the negligent noncompliance of the credit bureaus, ensure that they are held accountable for the violations under U.S. Code 1681o, and assist in the correction of the inaccurate information associated with my accounts.

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 2025-01-25 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: NE

Complaint narrative:
I am writing to file a formal complaint regarding the actions of the 3 major credit bureaus and their failure to comply with the requirements of U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit report has been impacted by negligent actions, errors, and inaccuracies in violation of the FCRA, specifically under 1681o, and these violations have been associated with multiple accounts. These accounts, which are linked to inaccurate or outdated information, have been incorrectly reported on my credit file, negatively impacting my credit score and overall financial standing. Despite my attempts to resolve these issues with the credit bureaus, no satisfactory action has been taken to correct these discrepancies. This failure to correct the inaccuracies constitutes a violation of 1681o, as the credit bureaus are negligently noncompliant with the requirements to maintain accurate information in consumer credit reports. 
As a consumer, I am entitled to accurate credit reporting, and these violations of the FCRA have caused harm to my credit and, by extension, my ability to obtain credit under reasonable terms. I respectfully request that the CFPB investigate the negligent noncompliance of the credit bureaus, ensure that they are held accountable for the violations under U.S. Code 1681o, and assist in the correction of the inaccurate information associated with my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize or initiate : Inquiry XXXX : Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I believe that these inquiries are the result of either a clerical error, unauthorized actions, or potential fraud. I did not apply for credit or request services with these creditors, nor did I give them permission to access my credit report.As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be inaccurate, unauthorized, or otherwise inappropriate.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize or initiate : Inquiry 1 : Creditor Name : XXXX  XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 2 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 3 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 4 : Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Inquiry 5 : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 6 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry 7 : Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Inquiry XXXX : Creditor Name : XXXX XXXXXXXX XXXX Date XXXX XXXX : XX/XX/year> I believe that these inquiries are the result of either a clerical error, unauthorized actions, or potential fraud. I did not apply for credit or request services with these creditors, nor did I give them permission to access my credit report.As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be inaccurate, unauthorized, or otherwise inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief