vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: 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 corrector 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 disputes accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Listed below are the accounts I have marked as inaccurate : XXXX XXXX XXXXACCOUNT NO. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NO. XXXX XXXX XXXX XXXX-ACCOUNT NO. XXXX XXXX XXXXXXXX XXXX-ACCOUNT NO. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX XXXX XXXX XXXX-ACCOUNT NO. 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 2025-01-23 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: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I am a victim of a data breach and suspect that my personal information has been compromised. As a result, unauthorized accounts may have been created or accessed using my information. I am requesting that all accounts associated with my name and personal details, as referenced, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. This section grants me the right to request the blocking of information resulting from identity theft. Please let me know if you require additional documentation to process this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am a victim of a data breach and suspect that my personal information has been compromised. As a result, unauthorized accounts may have been created or accessed using my information. I am requesting that all accounts associated with my name and personal details, as referenced, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. This section grants me the right to request the blocking of information resulting from identity theft. Please let me know if you require additional documentation to process this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2025-01-23 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:
Both Experian as well as XXXX I created accounts with to monitor my credit. Over the years random companies will pop up with random charges in any mounts of a couple dollars ( XXXX $ ) all the way to thousands of dollars ( ex. XXXX $ ). I continue to dispute and report in the Most timely manner as it is when posted. The dates and ranges of these reported collections and inaccuracies are not valid at all and even with proof both Experian and XXXX make NO changes or update to my dispute on removing the fraud and non valid claims to my credit I call the companies and they request I provide my social security number and only being able to conduct a phone call with these debt collectors with providing my of my personal and supposed to be private information is the only way I am advised I can get any help. It always is a constant feeling of not actually having a say or control of the truth and accuracy of my own report, like Im stuck in a box. I have to give exactly the information others seem to be able to access and have to add inaccurate claims and over the phone with strangers that are trying to only collect the high debts that are not mine at all! I want to sue, I want changes and requests HEARD.

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 2025-01-23 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
. I am writing to bring to your attention a matter concerning inaccuracies in my credit report, specifically related to outdated personal information, including my name, address, and employment details. Also all three bureaus is reporting different information and accounts with different amounts and collections. I believe that this issue may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to rectify it. 

Upon reviewing my credit report provided by XXXX, I discovered that the following inaccurate information is listed : XXXX. **Name : ** The report contains an old version of my name, which I legally changed on XX/XX/year>. The report should reflect my current legal name : XXXX. **Address : ** The report lists previous addresses where I have not resided for over 20 years. 

XXXX. **Employment : ** old employers are reporting along with current employer. My employment history is essential for my creditworthiness, and having outdated employment details can significantly impact my credit profile. 

XXXX. **Old accounts that have been disputed and have not been validated These inaccuracies not only misrepresent my personal information but may also lead to potential issues with credit applications, insurance rates, and other financial matters. I have contacted the credit reporting agency to dispute this information, following the procedures outlined in the FCRA ; however, I have not received a satisfactory resolution. 

Given the significance of this matter, I kindly request that the Consumer Financial Protection Bureau investigate the practices of the credit bureau in question regarding the reporting of outdated and inaccurate information. Furthermore, I would appreciate any guidance or support you could provide in resolving this issue and ensuring that my credit report is updated to reflect my accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
. I am writing to bring to your attention a matter concerning inaccuracies in my credit report, specifically related to outdated personal information, including my name, address, and employment details. Also all three bureaus is reporting different information and accounts with different amounts and collections. I believe that this issue may be in violation of the Fair Credit Reporting Act ( FCRA ), and I am seeking your assistance to rectify it. 

Upon reviewing my credit report provided by XXXX, I discovered that the following inaccurate information is listed : XXXX. **Name : ** The report contains an old version of my name, which I legally changed on XX/XX/year>. The report should reflect my current legal name : XXXX. **Address : ** The report lists previous addresses where I have not resided for over 20 years. 

XXXX. **Employment : ** old employers are reporting along with current employer. My employment history is essential for my creditworthiness, and having outdated employment details can significantly impact my credit profile. 

XXXX. **Old accounts that have been disputed and have not been validated These inaccuracies not only misrepresent my personal information but may also lead to potential issues with credit applications, insurance rates, and other financial matters. I have contacted the credit reporting agency to dispute this information, following the procedures outlined in the FCRA ; however, I have not received a satisfactory resolution. 

Given the significance of this matter, I kindly request that the Consumer Financial Protection Bureau investigate the practices of the credit bureau in question regarding the reporting of outdated and inaccurate information. Furthermore, I would appreciate any guidance or support you could provide in resolving this issue and ensuring that my credit report is updated to reflect my accurate information. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies in 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 explanation
Consumer complaint received 2025-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I do not have a capital one credit card. They are stating I have two cards and I do not have a credit card or credit cards with capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
XXXX XXXX information about the account is inaccurate and they sold it to another Company ( XXXX XXXX  XXXX ). I'm willing to pay at a negotiated fair price and for them to remove this from my credit report. I also need a written copy of removal 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 2025-01-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX information about the account is inaccurate and they sold it to another Company ( Resurgent Acquisitions LLC ). I'm willing to pay at a negotiated fair price and for them to remove this from my credit report. I also need a written copy of removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
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 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am disputing the collection account with APPLE CARDGS BANK USA, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that APPLE CARDGS BANK USA provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. - Accounts [ ] XXXX - [ ] XXXX - [ ] XXXX - [ ] XXXX - [ ] 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 2025-01-23 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: MN

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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was still charged fees due to lagging posting of charges and credits. This issue aligns with recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 responds within 24 hours starting 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 2025-01-23 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: United Revenue Corporation
State: TX

Complaint narrative:
I am filing a complaint against United Revenue for inaccurately reporting a medical collection account ( Account Number : XXXX ) on my XXXX credit report, which violates my consumer rights under federal law. I never had an agreement with United Revenue, nor did I receive correspondence from them regarding this debt. Additionally, the alleged debt was never verified with the original creditor, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to demand a cease and desist from further contact and reporting of this account. Furthermore, under the new Consumer Financial Protection Bureau ( CFPB ) rule announced by the Biden administration, unpaid medical bills will no longer appear on credit reports. Additionally, I am concerned by the recent CFPB lawsuit against XXXX for sham investigations of credit report errors, which further questions the integrity of your reinvestigation procedures. I demand the immediate removal of these accounts from my credit report. Continued non-compliance will result in legal action under FCRA Sections 616 and 617 for negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

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

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