vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I do not owe a Debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is NOT registered to transact business and/or collect debts in my state under 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
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I was born on XX/XX/XXXX, my social is XXXX. I live on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, my phone number is XXXX, my email is XXXX. Please use my correct information. I need to display my correct information. Thank you for assisting me with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
To remove negative accounts and bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently reported on my credit file. Despite previous attempts to address these issues, the incorrect information has not been corrected. I understand that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against Experian due to similar complaints, which indicates a pattern of failure in properly investigating and correcting disputes. 

The following items on my credit report are inaccurate : XXXX. Chapter XXXX bankruptcy discharged Court info Court US BKPT CT LA XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have already submitted disputes for these issues and have received no meaningful resolution. The inaccurate information continues to appear on my credit report, which is not only harming my credit score but also potentially violating the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter thoroughly and provide me with a written explanation of the results. I request that all inaccurate information be corrected or removed as required by law. 

Additionally, under the CFPBs investigation into XXXX practices, I expect a swift and accurate resolution to my dispute, in line with both legal guidelines and industry standards. If this matter is not resolved promptly, I will be forced to escalate my complaint through appropriate legal and regulatory channels. 

Please confirm receipt of this dispute and provide me with an update on the status of your investigation within 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, 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
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am filing a complaint against XXXX, Experian and XXXX for failing to properly 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Experian 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( 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 Experian, XXXX and transunion complies with federal law and provides consumers with the necessary proof of investigation. 

# XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$980.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms XXXX  Months On record until XXXX XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX FUNDING Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX # XXXX Account info Account name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms XXXX Months On record until XX/XX/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
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I am writing regarding the charge-off account reported to the credit bureaus under my name. Upon reviewing my credit report, I noticed that this charge-off has been recorded. However, I have not received a Form XXXX from the compant to reflect this debt as forgiven or canceled. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate or incomplete information reported to the credit bureaus. Additionally, according to IRS regulations, if a debt of {$600.00} or more has been canceled or forgiven, creditors are required to issue a Form XXXX to both the debtor and the IRS, as outlined in 26 U.S.C. 6050P. If the debt has indeed been forgiven, then your failure to issue a Form XXXX calls into question the validity of this charge-off and its continued reporting on my credit file. If the debt has not been forgiven, I request clear documentation of the charge-off, including : XXXX. The original signed contract or agreement. XXXX. A full accounting of the debt, including all payments made and how the charge off amount was calculated. XXXX. Evidence that the debt is still owed and not canceled or forgiven. Failure to comply may result in further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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 Funds 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
Consumer complaint received 2025-01-25 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: WA

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 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 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 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. These are the accounts that I have marked inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: WA

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 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 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 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. These are the accounts that I have marked inaccurate, 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
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. The accounts are from LVNV FUNDING LLC for the amount of {$2200.00} and {$1200.00}. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. The harassment through emails and text messages at all hours is excessive for this amount and account. I also don't have information to the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
I use to have a student loan with Ed Financial Services. Ed Financial Services transferred the servicing of the loan to XXXX XXXX XXXX ( XXXX ) and the loan has since been paid off after the transfer was done to XXXX. XXXX is still reflecting that the loan is open with Ed Financial Services with an outstanding balance of roughly {$17000.00}. I have disputed this item several time with XXXX and they refuse to update my credit profile to reflect the transfer to XXXX and that my Ed Financial account is closed with a XXXX balance. XXXX stated that they have reached out to Ed Financial several times requesting account status information and that Ed Financial continues to verify the wrong information. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Called the company to dispute different amounts on the because the original amount was different by hundreds of dollars higher for the charge-off amount so I request the 1099 tax forms for the charge-off amount was told to call the company the Representative was rude and combative.I had to let her know.She was being covered off and she told me she would send me the dispute information in the email.I never received that email once.I called they never answered the phone now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Date XX/XX/year>, I have reached out to debt collectors asking for a 1099-c form that by law Im entitled to for tax purposes. They have not provided me with the form. They have reported to all 3 credit bureaus every month for two years as being a charge off. That alone violates my rights under the fair credit act. I would like these items deleted. Any help with this matter is much appreciated. 
XXXX XXXX XXXX XXXX XXXX XXXX Portfolio recovery. {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I am writing to formally dispute the following hard inquiries on my credit report : Creditor Information XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report and proper investigation of disputes. 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failing to adequately investigate consumer disputes and for providing inadequate responses regarding validation methods. I believe Experian failed to comply with its obligations in my case, as no explanation of the investigation process or validation method for these inquiries was provided.

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 2025-01-25 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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 notify consumers of dispute outcomes adequately. These failures align with my experience where Experian has neither corrected nor removed 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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Jim Bottin Enterprises, Inc
State: PA

Complaint narrative:
I RECEIVED A PHONE CALL AT XXXXXXXX XXXX from XXXX XXXX claiming to represent XXXX XXXX informing me my credit card on file is not working. I do not want to belong to this gym ; I do not feel safe there -- it is a huge space and as I woman I am uncomfortable working out there. When I work out there are very few people around and I am afraid for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: DISCOVER BANK
State: LA

Complaint narrative:
I ask the company several time to remove inaccurate information and the refuse too, I submitted a dispute serval times with supporting documents that this information was false only to have this remain there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

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 disputed items despite the evidence | 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 2025-01-25 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: TX

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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