vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. Wrong address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, hard inquiries XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXXXXXX XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX OF XXXX : XXXX XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-25 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: AL

Complaint narrative:
I do not know who this is collection agency is as I have never been in agreement to work with them. Can you please provide me evidence stating that I have signed any sort of agreement with said company Agency : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Agency XXXX XXXX XXXX  XXXX  XXXX  Status date XX/XX/XXXX Original amount owed {$340.00} Balance date XX/XX/XXXX Balance {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: IN

Complaint narrative:
This is the case XXXX num for me with Direct Express. My name is XXXX XXXX I'm reaching out to you in hopes that I can get my issue resolved ASAP with Direct Express. Around XXXX or XXXX of 2024 I ordered a new debit card from Direct Express. Apon receiving the debit card from Direct Express I tried to activate it and for what ever reason now after 10 years that tell me they won't activate it unless not until but they said unless I verify my identity. They said email copy of id or birth certificate and Social security card. I then told them I don't have a id I'm a XXXXXXXX XXXX that does not have the means to move around but I do have my birth certificate and Social security card. So I emailed that in and I received a email about hour later saying they need more information. Saying please send copy of id front and back or birth certificate and Social security card. So I went through this for weeks and that's after each time I call I have to wait XXXX to XXXX minutes until finally someone answers just to say hold I'm transferring you to the fraud department and hangs up. So I gave up in hopes I could find someone to help me get to the XXXX in Indiana to get a id. Thanking maybe that would help. But like I said I'm XXXX and can't physically get around. So almost a year later I am now homeless lost all my belongings living on XXXX XXXX all because I'm in a wheel chair and can't get around or afford to pay someone to carry me to get a id and not sure that would help. So the poinXXXX is I emailed exactly what they needed then when that wasn't good enough they either hang up or pretend to transfer me then hang up all because they won't activate my card so I have no access to the money I earned while fighting a war for 19 year just so I can loose everything because they ( direct Express ) won't activate my card so I can access MY MONEY. This is not only rediculous but insulting. I'm hoping y'all will be different and actually help me Because no were does it say front and back of birth certificate and Social security card ( which I've never heard of that with these documents )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: VA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 2025-02-25 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 non-monetary relief
Consumer complaint received 2025-02-25 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: TX

Complaint narrative:
Subject : Formal Complaint Against Equifax for Inaccurate Account Reporting and Dispute Restrictions Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their failure to provide proper verification of a disputed account on my credit report. Despite my repeated disputes, Equifax continues to report an account under XXXX XXXX XXXX with no account number, only a balance of {$1200.00}. Additionally, I am unable to dispute this account directly through Equifax, further preventing me from correcting inaccurate information on my report. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation of disputed information and provide consumers with verification details upon request. By failing to supply proof of verification and restricting my ability to dispute this account, Equifax is in direct violation of : 15 U.S.C. 1681e ( b ) Failing to maintain accurate consumer reports. 

15 U.S.C. 1681i ( a ) Failing to conduct a proper reinvestigation of disputed information. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failing to delete inaccurate or unverifiable information. 

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which entitles me to damages. 

As a result of this inaccurate reporting, I have been unfairly denied credit and subjected to financial and emotional distress. I am formally demanding that Equifax : Provide full verification details, including original creditor documentation, for the XXXX XXXX XXXX account. 

Immediately remove the account if it can not be properly verified. 

Restore my ability to dispute this account directly through Equifax. 

Provide a written confirmation of any deletions or updates made to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my credit report, as I believe it contains inaccurate and/or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to request validation and possible deletion of this account from my credit file. 

Dispute Basis & Legal Violations : 1. Lack of Proper Validation ( 15 U.S.C. 1692g ( b ) ) : I request that LVNV Funding/Resurgent Capital provide full validation of this alleged debt, including but not limited to : Original creditors name and contact information A complete payment history showing how the balance was calculated Proof of assignment or ownership of this debt A signed agreement or contract proving I agreed to this debt If you can not provide adequate validation, you must delete this account from my credit report immediately. 
2. Potential Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( b ) ) : The reporting of this account as a collection account with a past-due balance may be incorrect or misleading. If this account is considered a charged-off debt, then there should be no past due amount, as charge-offs are not legally due in the same manner as an active delinquent account. 
If this information is inaccurate or unverifiable, the account must be corrected or removed. 
3. Statute of Limitations & Time-Barred Debt : I request clarification of the date of the last payment or the date of first delinquency ( DOFD ) to determine if this debt is beyond the statute of limitations in my state. 
If the debt is time-barred, any further collection attempts may be unlawful, and continued reporting could be a violation of the FCRA. 
4. Fair Credit Billing Act ( FCBA ) Unauthorized Charges : If you can not provide a signed contract or proof that I authorized this debt, the account must be removed under the FCBAs guidelines regarding disputed charges. 
5. Re-aging of the Account ( FCRA Violation ) : This account was opened in XX/XX/year>, but I need verification that the correct date of first delinquency ( DOFD ) is being reported. If LVNV Funding or Resurgent has re-aged this debt to extend its reporting period beyond legal limits, that would be a direct violation of the FCRA. 

Action Requested : 1. Cease reporting this account until full validation is provided. 
2. Remove this account from my credit report if it can not be verified. 
3. Provide all requested documentation proving the accuracy and validity of this account. 
4. Correct any inaccurate reporting, including any misrepresentation of past-due amounts or status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I request that you investigate and remove the charge-off account referenced below as it is erroneous. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$27000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: GA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-25 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: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account that I have marked inaccurate. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-25 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-25 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: SC

Complaint narrative:
I am 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 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 2025-02-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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