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: GA

Complaint narrative:
XXXX has failed to ensure that this information is reported with maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) .Equifax has violated 15 U.S.C . 1681i ( a ) by not conducting a reasonable reinvestigation of disputed information in the past, as evidenced by the CFPB 's findings.Reporting of inaccurate, incomplete, or unverifiable information violates my rights 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 2025-01-23 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: MI

Complaint narrative:
filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 ( XXXX XXXX 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 the CFPB to publish

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: 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: MI

Complaint narrative:
filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 ( XXXX XXXX XXXXXXXX ) 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 the CFPB to publish

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
XXXX that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Transuin report after subsequently being removed from my experian for fraud. Under 611 ( 15 U.S.C. 1681i ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXXXXXX XXXX XXXX XXXX failure and negligence. 
This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXXXXXX XXXX  and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.

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: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have contacted the credit bureaus and the creditor regarding these accounts. I believe they may be fraudulent and are negatively impacting my credit report. I kindly request your assistance in removing these accounts, as they do not reflect my true credit history. Thank you for your understanding.

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 — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have contacted the credit bureaus and the creditor regarding these accounts. I believe they may be fraudulent and are negatively impacting my credit report. I kindly request your assistance in removing these accounts, as they do not reflect my true credit history. Thank you for your understanding.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute all unauthorized hard inquiries and negative items on my credit report, which I believe to be a direct result of identity theft caused by a recent data breac. Additionally, I request that my personal information be updated.

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: Experian Information Solutions Inc.
State: MA

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 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 2025-01-23 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and bring to your attention an instance of negligence and non-compliance under 15 U.S.C. 1681o, which has caused harm to me and violated my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, inclusion of inaccurate information on my credit report, failure to verify disputed information. Despite my previous attempts to address this matter, they have failed to correct the information, provided inaccurate. 

As stated in XXXX5 U.S.C. 1681o, you are required to exercise reasonable care in ensuring compliance with the FCRA. Your failure to meet these obligations has resulted in denial of credit, damage to my XXXX XXXXXXXX XXXX XXXX 


CCS XXXX {$240.00} spoke with representatives and she stated I had a XXXX dollar balance. I asked for proof of this and she stated she would email me. 

Debt recovery solution account number XXXX {$340.00} asked for debt validation never received XXXXXXXX XXXX XXXX {$150.00} asked for debt validation never received XXXXXXXX XXXX XXXXXXXX account number XXXX {$140.00} never received debt validation from company.

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: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am writing to formally dispute and bring to your attention an instance of negligence and non-compliance under 15 U.S.C. 1681o, which has caused harm to me and violated my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically, inclusion of inaccurate information on my credit report, failure to verify disputed information. Despite my previous attempts to address this matter, they have failed to correct the information, provided inaccurate.

As stated in 15 U.S.C. 1681o, you are required to exercise reasonable care in ensuring compliance with the FCRA. Your failure to meet these obligations has resulted in denial of credit, damage to my credit score, emotional distress. 


XXXX XXXX {$240.00} spoke with representatives and she stated I had a XXXX XXXX  balance. I asked for proof of this and she stated she would email me. 

Debt recovery solution account number XXXX {$340.00} asked for debt validation never received XXXXXXXX XXXX XXXX  {$150.00} asked for debt validation never received XXXX and XXXX account number XXXX {$140.00} never received debt validation from company.

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: SC

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX 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 XXXX 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I believe XXXX and XXXX has violated the FDCPA and the CFPB by engaging in unfair, deceptive, and abusive practices in its attempts to collect my debt : XXXX and XXXX misrepresented the nature of my debt by submitting a garnishment summons to my bank requesting more money than owed. 

XXXX and XXXX unfairly initiated the overgarnishment of funds from my bank account. The law firm requested the garnishment of an additional $ XXXX over the amount owed on XX/XX/year> after already garnishing the amount on XX/XX/year>. 

When I notified XXXX and XXXX of the overgarnishment, they responded on BBB essentially stating that they can keep having the bank remove the full amount from my bank account until the bank sends the funds. 

When I spoke to the bank, they stated that when they garnished the $ XXXX on XX/XX/year>, they did everything correctly and advised me to submit the related bank statement to XXXX and XXXX XXXX which I did. 

So either the bank is lying or XXXX and XXXX is lying, either way, I'm willing to lead a class action over this issue...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: CA

Complaint narrative:
I would like to file a complaint against Preferred Credit Inc. for failure to comply with my rights under the Truth of Lending Act ( TILA ). I entered into the contract on XX/XX/2024. The transaction took place on the sales rep cellphone. So it was not a very legible process. I figured I would review the documents after it was completed. I went online to open the link that was provided. I received additional links XXXX. All the links were expired, I contacted the XXXX on XX/XX/XXXX. ( holiday in between ) After a heated conversation of being accused of only wanting to see my documents was because I want to cancel and I made it clear it was my legal right to review and have a copy my documents. I finally received a copy of the contract and discover later it was not a completed contract. I received a email to set up my account but I had no loan number without loan documents. My initial contact with them while signing the documents, there was no mention of a right of rescission, I was not made aware of the that until I spoke with the sales repXXXX XX/XX/XXXX I sent a letter to the Lender regarding my concern about not be able access my documents, and at this time I wanted to exercise my right of recsission according to TILA. 

I also sent an email to the selling partner, who informed me, she had tried to follow my link and was having the same issue. All the links were expired and were not giving me the option to order a new link, which she also indicated that the it must be a technical issue and she would escalate it to Preferred Credit. She also indicated it was not my fault. shortly after the site was fixed but too late for me to cancel per their loan documents. In the mean time on XX/XX/XXXX I received a completed copy of the contract from the selling partner. XXXX XXXX XXXX XXXX XXXX  Per my own reserch all this was in violation of my consumer rights. 

I have included copies of all correspondence and emails from both preferred credit and XXXX XXXX 

To date the only response I have received is from XXXX XXXX, stating they can't talk to me anymore and I have to contact Preferred Credit Attorney. All I have is customer service email address. 

XXXX has not responded to any of my request. 

I need help in exercising rights per the TILA. Is this how they treat seniors?

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive made numerous attempts to get my credit report corrected, but there are still multiple inaccuracies. My name and address are missing, and there are other entries I don't even recognize. Despite filing complaints multiple times, Ive received no response. From XXXX to XXXX, a total of {$10000.00} to {$15000.00} at least is reported incorrectly. This is seriously impacting my life. Even though I make a good income, Im unable to raise my credit score, which is preventing me from moving forwardwhether thats proposing to my girlfriend or securing a decent place for us to live. I need this issue resolved.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive made numerous attempts to get my credit report corrected, but there are still multiple inaccuracies. My name and address are missing, and there are other entries I don't even recognize. Despite filing complaints multiple times, Ive received no response. From XXXX to XXXX, a total of {$10000.00} to {$15000.00} at least is reported incorrectly. This is seriously impacting my life. Even though I make a good income, Im unable to raise my credit score, which is preventing me from moving forwardwhether thats proposing to my girlfriend or securing a decent place for us to live. I need this issue resolved.

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: CA

Complaint narrative:
I m 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 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation