vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance {$8800.00} XXXX  XXXX XXXX XXXX Balance {$13000.00}

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 2025-01-29 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: NJ

Complaint narrative:
On XX/XX/year>2025, I filed a dispute with TransUnion regarding inaccurate and unverifiable information on my credit report. The accounts in dispute include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was wrongly classified as " frivolous '' on XX/XX/year>2025, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit reporting agencies to investigate any disputed information unless the dispute is unfounded, which is not the case here.

I further requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, TransUnion did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of their accuracy.

This lack of reasonable investigation and refusal to provide verification evidence has negatively affected my credit profile, causing unjustified financial harm and violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, TransUnion has failed to meet its legal obligations, affecting my credit history and denying me my rights as a consumer 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 non-monetary relief
Consumer complaint received 2025-01-29 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 -DATE OEPENED XX/XX/year>2024 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I requested a full debt validation from this company I have no clue where this debt came from. I was sent a voided check as proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My account is paid in full and needs to be removed immediately

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
My account is paid in full and needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
My account is paid in full and needs to be removed immediately

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 2025-01-29 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Owed : {$9500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$9500.00}

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 2025-01-29 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:
According to the FCRA they are in violation of 15USC1681e and 15USC1681eb.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Leafy Financial, LLC
State: DE

Complaint narrative:
Leafy Financial LLC has reported a collection on my credit report. Leafy Financial LLC is not licensed in the state of Delaware where I reside, therefore can not collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Notice of Negligence under 15 U.S.C. 1681o ( Fair Credit Reporting Act ) To Whom this may concern, I am writing to formally dispute inaccurate information on my credit report and to address your organization 's negligent failure to comply with the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681o. 
Upon reviewing my credit report dated XX/XX/XXXX, I identified the following inaccurate information : That of the following disputed accounts or items that are not on this list of things that are mine, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my only address is the one stated at the top of this letter, my phone numbers are XXXX and XXXX these items are mine everything else should have not been still on my credit reporting. 

Under the FCRA, you are required to ensure the accuracy of credit information and conduct a reasonable investigation when disputes are submitted. Your organization 's failure to maintain accurate records and investigate my previous dispute ( s ) has resulted in financial and reputational harm, including not being able to build a business, out of pocket spending back and forth to mail off the disputes, also such as loan denials, increased interest rates, emotional distress and more.

As stipulated by 15 U.S.C. 1681o, you may be held civilly liable for negligent non-compliance with the FCRA. Therefore, I am requesting the following immediate actions : Correction/Deletion : Remove or correct the disputed information from my credit report.

Written Confirmation : Provide confirmation of the correction and an updated credit report.

Compensation : Address any damages caused by your negligence, as permitted by law.

Please treat this matter as urgent and provide a written response within 30 days of date above in compliance with FCRA guidelines. Failure to respond adequately will compel me to pursue legal remedies to protect my rights.

I have attached copies of my ssn and utility bill for your review.

Thank you for your immediate attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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 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 zeal failed to investigate my claims adequately they have 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 also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WA

Complaint narrative:
I have found fraudulent account on my report XXXX XXXX XXXX  with the account number XXXX opened on XX/XX/year>. Delete this account 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting a complaint for XXXX XXXX XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am submitting a complaint for Early Warning Services for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including insuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 39 day period 15 U.S.C. 1681i ( a ) ).

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 monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX XXXX Arabian Terrace XXXX, GA, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Due to Data Breach Dear Experian, I am writing to formally dispute the information on my credit report that is the result of a data breach affecting my personal and financial information. Upon reviewing my credit report, I have noticed unauthorized accounts and activity that I believe were caused by a data breach. 
To assist in resolving this matter, I am providing the following details related to my dispute : Full Name : XXXX XXXX XXXX of Birth : XXXX Social Security Number ( Last XXXX digits ) : XXXX Address : XXXX arabian terrace XXXX Ga XXXX Report XXXX XXXX ( if available ) : XXXX The unauthorized accounts or transactions that I believe were caused by the data breach are as follows : XXXX. [ XXXX XXXX, XXXX, Date Opened XXXX, XXXX XXXXXXXX XXXX XXXX  ] XXXX. ( highest balance {$340.00}, on XXXX XX/XX/year> ) I have also filed a report with the Federal Trade Commission ( FTC ) regarding this data breach. You can find the details of my FTC complaint below : Date of Report : [ XXXX ] Additionally, I request that you immediately conduct an investigation into these disputed items and update my credit report to reflect accurate information. 
15 USC 1681 b If further documentation or information is required to assist in this investigation, please do not hesitate to contact me at XXXX. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX 15 U.S.C. 1681b is a section of the United States Code that defines the permissible uses of consumer reports. It is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit reports. 


15 USC 1681 b

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 2025-01-29 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-29 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:
Experian has filed 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 unreadable responses and disputing outcomes. These failures align with my experience, where Experian has neither corrected nor 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
Consumer complaint received 2025-01-29 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: CA

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, 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 ( 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.

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 2025-01-29 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:
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. 16XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXXFPA ), 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.

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 2025-01-29 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, were Experian has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experian 's, in action violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX 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