vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. 

As a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. 

Please ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. 

Please notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. 

Thank you for your attention to this issue.

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 2025-01-31 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain charges that have been reported to my credit file, as I believe they are inaccurate or incorrect. I request a full and fair investigation of these charges in accordance with the Fair Credit Reporting Act ( FCRA ) and related laws. Additionally, I request that any corrections be made to my credit report once the dispute is resolved. 

As a veteran who served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, I am entitled to protections under the Servicemembers Civil Relief Act ( SCRA ), which includes relief from certain interest rates and fees on accounts incurred during active duty service. I believe some of the charges reported may violate SCRA protections, and I request that the proper legal considerations be applied during your investigation. 

The following accounts are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am also aware that Equifax is currently under investigation for its handling of consumer disputes. In XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to properly investigate consumer disputes. The CFPB found that Equifax : Ignored consumer documents and evidence Allowed inaccurate information to be reinserted into credit reports Sent confusing and conflicting letters to consumers Used flawed software code in its dispute resolution process As a result of these findings, Equifax was ordered to bring its dispute resolution processes into compliance with federal law and pay the {$15.00} XXXX penalty to the CFPBs victims relief fund. Given these findings, I request that my dispute be handled with the utmost care and in full compliance with federal law. 

Please ensure that your investigation is thorough and that the necessary corrections are made to my credit report if the charges are found to be inaccurate. I also ask that the protections afforded under the SCRA be considered for any charges or interest assessed during my period of active duty. Accurate credit reporting is crucial for my financial wellbeing, and I appreciate your prompt attention to this matter. 

Please notify me of the outcome of your investigation at the address listed above or by email at [ Your Email Address ]. 

Thank you for your attention to this issue.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
Requested thorough investigation and requested original contracts to prove validation of debt. No such investigation was completed properly.

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 2025-01-31 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-01-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-31 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently respond 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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-31 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: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
I purchased an application thru XXXX.XXXX  aka XXXX XXXX to reset a password. 
The initial application.cost {$100.00} and didnt work at all. They said i needed to buy another application for {$30.00}, it still didnt work. For another {$250.00} they would reset the password for me. I received nothing from this company. Despite this company listing a 30 day money back guarantee, when i asked for a refund, they asked for more money. 

I provided this info to sofi bank to dispute these charges, sofi has subsequently denied all disputes. I requested the information that was used to determine the outcome, and its clear the information i provided wasnt even considered.

Per security code they indicate this was a online application and that is false, it was an application that i downloaded onto my phone and wouldnt ever launch. The application didnt work at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
Transunion, Experian and Equifax 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, fraudulent or unverifiable accounts unresolved. The reported accounts on my profile has a lot of errors and dates and balances does not align with the other two bureaus which were fraudulently created. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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, Transunion and Equifax has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

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 2025-01-31 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: TX

Complaint narrative:
Transunion, Experian and Equifax 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, fraudulent or unverifiable accounts unresolved. The reported accounts on my profile has a lot of errors and dates and balances does not align with the other two bureaus which were fraudulently created. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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, Transunion and Equifax has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: DE

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am 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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 recently a reviewed a copy of my credit report and noticed it had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: MI

Complaint narrative:
I was reviewing my credit report and found some errors relating to my payment history on some accounts. Credit reporting agencies are responsible for reporting accurate information. I have never been late on Global Lending Services account. However, despite multiple disputes, Global Lending Services continues to report late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, negatively impacting my credit score. I have provided supporting documentation confirming my forbearance agreement and request that this issue be corrected immediately. I also request an investigation into Global Lending Services for non-compliance with credit reporting obligations. Please investigate these errors and remove the late payments if these can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint against PlusFour , Inc. for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ).

Upon discovering this account on my credit report, I exercised my rights under FDCPA 15 U.S.C. 1692g ( a ) by requesting written validation of the debt. Despite my request, PlusFour, Inc. has failed to provide the necessary documentation, such as a detailed account statement, original creditor agreement, or proof of my responsibility for the debt. Instead, they continue to report this unverified and potentially inaccurate information to consumer reporting agencies.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable information. Furthermore, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) requires furnishers to conduct a reasonable investigation when a dispute is filed. Since PlusFour , Inc. has not fulfilled its legal obligations, I believe they are in violation of federal credit laws. 

Thank you in advance.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I froze my credit XXXX months ago on advice from a friend. At the beginning of XXXX, I wanted to unfreeze my accounts to change phone service. XXXX and XXXX were accommodating and easy to unfreeze my accounts. Experian uses AI to field their calls and it is " impossible '' to speak with a representative ( XXXX ). After countless attempts on both the phone and online, I could not access my account to " unfreeze '' my account. I finally put a search into XXXX to ask " How do I talk to somebody at Experian? '' I was not alone in my plight. XXXX had many people in the same situation. I used XXXX of the suggested " workarounds " and finally got to a XXXX. 
Experian needs to make their access more consumer friendly. As it is the XXXX most used, it should be the XXXX most professionally run. It was an aggravating and time-consuming process that should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review

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 2025-01-31 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re investigation of disputed information on my credit repot, 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 experiences, where Experian has neither corrected nor removed dispute 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.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I just recently opened a new bank account with my XXXX XXXX and I have a po box as my mailing address when I walked in there, I let them know that and the banker told me that it was not an issue now a week later my account is frozen. I can not access a single penny because Im being told that back office needs to verify my identity because it does not match Whats on my ID and mailing address. Im sick and tired of explaining to them that it wont match because its a po box all my mail goes to my po box so they asked for a paystub to prove that my po box was linked to me, so I walked into a branch XXXX days ago and provided that But they keep saying that they need to verify my identity. They have left me with no money at all no gas money, no food money and no rent money. I am completely out of options here. I let them know if its a huge issue to have the account open with such address, then I would like to close it ASAP and get my money back since I was told they would close it if theyre not able to properly verify my information. I have no problem with that now if they close it but they wont even do that. They are withholding 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