vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-23 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: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-23 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: GA

Complaint narrative:
I am disputing a debt reported by XXXX XXXX XXXX on my credit report, which I requested validation for on XX/XX/year>. In response, I received the following documents on XX/XX/year> : Itemized Payment Sheet ( with a statement at the top : the resource of this report item is not reachable ) This document fail to satisfy the Fair Credit Reporting Act ( FCRA ) verification requirements for the following reasons : 1. Failure to Provide Proof of Debt ( FCRA 609 ) The documents do not include a signed agreement or itemized account statement showing how the debt is calculated. XXXX XXXX XXXX did not provide sufficient proof that the debt is mine or that the amount reported is accurate, as required by FCRA 609.

2. Failure to Prove Debt Ownership ( FCRA 611 ) The itemized payment sheet states : the resource of this report item is not reachable, which indicates that XXXX XXXX XXXX can not access the necessary records to prove they have the legal right to collect the debt. This failure to provide evidence of debt ownership violates FCRA 611 ( a ) ( 2 ).

3. Failure to Verify Debt ( FCRA 611 ) Under FCRA 611 ( a ) ( 5 ) ( A ), a debt collector must verify the debt within 30 days. Since XXXX could not provide the required verification, they failed to comply with this section, and the debt must be removed from my credit report. 


NO MAIL please send all communications through cfpb portal with attachments

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 2025-02-23 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: GA

Complaint narrative:
XXXX XXXX Credit card inconsistent reporting violating FCRA XXXX XXXX : Acct # XXXX, Balance {$8300.00}, Experian , Transunion XXXX XXXX : Acct # XXXX, Balance {$3400.00}, Transunion 1 XXXX Inconsistent Balance Reporting Issue : The High Balance on the TransUnion record is reported as {$8200.00} while the Balance Owed is {$8300.00}. Typically, the high balance should reflect the maximum amount owed, so having a current balance exceed that number suggests an inaccuracy. 
Potential Violation : XXXX 15 U.S.C. 1681e ( b ) : This section requires that consumer reporting agencies maintain and report information with maximum possible accuracy by following reasonable procedures. An inconsistency like this may indicate a failure to meet that standard.

2. Discrepancies in Reporting Dates and Account Status Issue : The same account shows conflicting datesTransUnion lists both the Date Reported and Closed Date as XX/XX/XXXX, while Experian shows a Closed Date of XX/XX/XXXX. Such discrepancies can mislead consumers about the actual status of the account. 
Potential Violation : XXXX  15 U.S.C. 1681e ( b ) : The requirement to maintain accurate records is at stake here. Inconsistencies across different bureaus might indicate that one or more agencies are not following the necessary procedures to assure maximum possible accuracy.

3. Ambiguous Dispute Status Notation Issue : On the Experian record, the dispute status and creditor remarks read Account previously in dispute? now resolved? reported by subscriber. The ambiguity in how the dispute is resolved ( or not ) may confuse consumers and fail to provide clear information.

Potential Violation : XXXX 15 U.S.C. 1681i ( a ) : This section governs the reinvestigation process for disputed information. The FCRA requires that disputes be clearly noted and resolved in a manner that is understandable to the consumer. Ambiguity in the dispute status could be seen as a failure to comply with this mandate. 

Legal Compliance and Consumer Rights It is my expectation that the investigation will adhere strictly to all legal requirements, thereby safeguarding my consumer rights throughout this process. 
In the event that any discrepancies or unresolved issues remain, I trust that you will notify me immediately and outline the measures that will be taken to resolve them. 
Please consider this letter as confirmation of my expectations regarding this matter. I look forward to receiving the final report and a resolution in line with the timelines stipulated by law. If additional information is required on my part to facilitate the investigation, kindly inform me at your earliest convenience. 
Thank you for your attention and cooperation.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate of 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 or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-24 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: IL

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 non-monetary relief
Consumer complaint received 2025-02-23 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: BTH Management
State: TX

Complaint narrative:
I Check my credit regularly and this account appears out of nowhere on my credit profile. Im certain I've never heard of nor had any knowledge of this creditor, with a balance over {$14000.00} sending my credit score plummeting XXXX points. I was devestated and all over an account thats not mine. Something has to be done, this is suppose to be about fair and accurate credit reporting. It was only showing on one bureau so I immediately disputed the collection account with that Bureau and filed an FTC Report, now I looking for additional help to get this corrected and resolved as fast as possible. As this has already been damaging enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CL Holdings LLC
State: SC

Complaint narrative:
Subject : Cease and Desist Request for Deletion of Collection Account Dear Jefferson Capital Systems, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to report a data breach that has compromised my personal credit information. I recently discovered unauthorized activity on my credit report, which suggests that my sensitive information, including my Social Security number, account details, or other personal data, may have been exposed or accessed without my consent. I am concerned about potential identity theft and financial harm resulting from this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I am writing to report a data breach that has compromised my personal credit information. I recently discovered unauthorized activity on my credit report, which suggests that my sensitive information, including my Social Security number, account details, or other personal data, may have been exposed or accessed without my consent. I am concerned about potential identity theft and financial harm resulting from this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 XXXX business-handlings 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 2025-02-23 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
XXXX is being inaccurately reported on my credit report by Equifax and Experian and this account was deleted by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name and contact info has shown up in a data breach. I have social media accounts hacked into, and messages sent to my friends and followers marketing Crypto currencies, attempts to remove money from my bank account. Inquiries for Credit that I never made. 20+ Phone calls a day from salesmen trying to sell me something or Scammers trying to collect money for something...

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My name and contact info has shown up in a data breach. I have social media accounts hacked into, and messages sent to my friends and followers marketing Crypto currencies, attempts to remove money from my bank account. Inquiries for Credit that I never made. 20+ Phone calls a day from salesmen trying to sell me something or Scammers trying to collect money for something...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are not mines and never gave consent to any at all. XXXX XX/XX/XXXX. XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligations 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 furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. 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 '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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which XXXX violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
This account is being reported inaccurately by Equifax, Experian and Transunion. This account is not in compliance with FCRA LAWS and IRS regulations, potential fraud by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AZ

Complaint narrative:
This debt collector is not in compliance with the FCRA laws and this account is being reported inaccurately on my credit report by Equifax

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