vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Equifax continues to violate the FCRA. Equifax sent me an illegal stall letter and provided false information to the CFPB by stating in my previous complaint that they conducted an investigation. TO DATE EQUIFAX HAS PASSED OVER THE 30 DAYS REQUIRED TO COMPLETE A PROPER INVESTIGATION. ENCLOSED IS PROOF OF THEIR FAILED INVESTIGATION AND PROOF THAT THE INFORMATION IS STILL REPORTING INCORRECTLY ON MY CREDIT REPORT. ( See Attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year> Experian falsely claimed they verified a collection from XXXX XXXX but on XX/XX/year> I received an email from XXXX XXXX that they requested the removal of the account from Experian. Experian has falsely claimed they verified the account and when i called them they can care less and have not removed item. I have and will be seeking to file suite against experian.

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 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX wasnt giving me early warning notifications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
A Non-Judicial Repossession Without Contract : They never contacted me at my home. 
This was an unlawful non-judicial repossession under 15 USC 1692 I have no contractual relationship with LVNV Funding LLC I have no contractual relationship with XXXX XXXX I have no contractual relationship with Absolute Recovery Property Redemption You have no legal right to my property Violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) : Unlawful disclosure of my nonpublic personal information to unauthorized third parties ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without my consent I, XXXX XXXX, never authorized LVNV Funding LLC to share my personal information No notice was provided regarding the sharing of my information No opportunity to opt-out was provided No letter or communication was received regarding the transfer of information to XXXX XXXX oXXXX XXXX XXXX XXXX Redemption Violation of 15 USC 1692f ( Fair Debt Collection Practices Act ) : Taking my property without legal right or contractual authority Using unfair and unconscionable means to collect an alleged debt Unauthorized entry onto my property Taking action that can not legally be taken Potential violations of 18 USC 241 and 242 : Conspiracy to deprive me of my property rights Acting under XXXX of law to deprive me of my constitutional rights to due process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute Equifaxs failure to conduct a reasonable reinvestigation of my previously submitted dispute, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). Despite my request for verification of inaccurate information on my credit report, your response was inadequate and did not comply with federal law.

According to the FCRA, when a consumer disputes the accuracy of an item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. However, based on the outcome of my dispute, it is clear that Equifax failed to meet this standard. Specifically : Lack of Proper Verification The disputed information was allegedly " verified, '' yet Equifax did not provide any substantive documentation or explanation as to how this determination was made.

Failure to Consider Supporting Evidence I submitted supporting documentation proving that the disputed item is inaccurate, but Equifax disregarded this evidence without valid justification.

Continued Reporting of Inaccurate Information Despite my dispute, the inaccurate information remains on my credit report, causing ongoing harm to my creditworthiness.

In light of these violations, I demand that Equifax immediately : Conduct a proper and reasonable reinvestigation of the disputed item ( s ) in compliance with 15 U.S.C. 1681i ( a ). 
Provide a detailed explanation of how the disputed information was verified, including the sources and methods used. 
Delete or correct the inaccurate information if it can not be fully substantiated. 
Provide me with an updated copy of my credit report reflecting any corrections. 
Failure to comply with these obligations constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. If this matter is not properly resolved, I will explore all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action.

Please respond in writing within the 30-day period required by law. You may send your response to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and have provided the necessary documents under FCRA 1681c-2, including an FTC Identity Theft Report. The credit bureaus failed to block fraudulent accounts within 4 business days, violating federal law. This has caused me financial harm, and I am requesting immediate deletion of these accounts and compensation for damages under FCRA 1681n. 

ACCOUNTS [ XXXX XXXX  XXXX ] [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I'm extremely disappointed with the lack of accuracy in my credit report. I had expected a higher level of diligence and attention to detail. These errors are causing me significant inconvenience and financial harm.

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 2025-01-30 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. 

These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 

I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-30 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: CA

Complaint narrative:
I am writing to dispute inaccuracies on my credit report formally. I received my on XX/XX/year> and discovered several inaccuracies reporting to my credit file. This is my SECOND time bringing awareness to your company that my credit file inaccuracies are affecting my mode of living causing massive stress. I Sent a dispute in XXXX XXXX XXXX If I continue to get ignored by your company, I have no choice but to take legal action with my counsel ESQ. XXXX XXXX XXXX. I would like to get this dispute rectified swiftly. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : XXXX. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 
XXXX. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my consumer report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 
USPS Return Receipt Tracking : # 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 2025-01-30 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They have contacted the company in which Ive never worked out and do not currently work out regarding my personal information and this is a violation of my privacy. They are threatening to garnish wages from a company. I dont work at never have worked at, and Im sure theyve supplied them with my information now. They also filed suit without giving me proper notification. I have asked this company numerous times to provide me with the original contract of this debt and they have felt to do that which is in violation of the fair credit act. The amount of the debt {$4600.00}. The account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: KY

Complaint narrative:
Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 I am filing a formal complaint against Experian due to fraudulent accounts and inquiries appearing on my credit report. These accounts were opened as a result of identity theft, and I have already provided the necessary documentation under FCRA 1681c-2, including my FTC Identity Theft Report.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Experian is required to block fraudulent accounts within 4 business days upon receiving my FTC Identity Theft Report. 

The accounts listed below remain on my credit report despite my dispute. 



XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ) Experian has a legal obligation to properly investigate disputes. These fraudulent accounts remain, which suggests a violation of federal law. 




Fraudulent Accounts on Experian XXXXXXXX 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 XXXXXX/XX/year>

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current 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 2025-01-30 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

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 2025-01-30 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: MO

Complaint narrative:
It is being reported that payments were made for dates that they were not causing this account to stay on my report longer than it should. I filed a dispute with the agency on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I supplied my account statement that was provided to me by the creditor on XX/XX/XXXX along with supporting email communications and my credit report ( highlighted differences between my account statement and my credit report ). After supplying all supporting evidence, a day or two later each time I received the same reply " Verified as accurate '' with no changes made and no information supplied to me on what measures were taken.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting the 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 neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This unacceptable lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citi XXXX XXXX XXXX regarding a wrongful charge on my account. Despite numerous attempts to resolve this issue, the company has continuously declined to investigate or properly address the matter. 

The charge in question is not accurate, which only highlights the poor handling and lack of attention to detail from their end. The amount in dispute has been recorded inaccurately, and I believe this to be part of their failure to investigate the issue thoroughly. Not only have I not been contacted by Citi to ask for any clarification or provide further information, but every attempt I have made to resolve the issue has been shut down without consideration. 

I find this behavior discriminatory and abusive toward customers, as they continue to refuse an investigation into the matter. I am being treated unfairly and am left without any resolution, and Citis practices are causing me undue stress and frustration. 

I request that the Consumer Financial Protection Bureau look into this matter and take appropriate action to ensure that Citi XXXX XXXX XXXX abides by proper procedures and customer rights. 

Thank you for your attention to this urgent matter.

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 2025-01-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation