vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours saying the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act, as highlighted in the CFPBs recent administrative proceedings ( File no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigation. 

The following accounts are in question for inaccuracies : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: VA

Complaint narrative:
15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act

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 2025-02-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. XXXX XXXX XXXX XXXX {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On or XXXX XXXX XXXX XXXX XXXX XXXX XXXX to look for a truck cap to purchase. There on XXXXXXXX XXXX place as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They said they had a truck cap that would fit my truck. They would only take Zelle as payment method. They want {$800.00} plus {$200.00} for shipping. Now they had a shipper called XXXX XXXX XXXX XXXX This shipper wanted a {$650.00} insurance security deposit refunded upon delivery. I never paid the {$650.00} and they never delivered the truck cap. I filed a complaint with my bank XXXX XXXX XXXX XXXX. They took my complaint but did not refund my money. There rep said that Zelle would have to give me my money back. They havent called me nor sent my money back to me. Please advise this crook is still on XXXXXXXX XXXX  scamming other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
on XX/XX/2024 I sent a Dispute Letter to Experian, XXXXXXXX XXXX XXXX. 
15 USC 1681e ( b ) Accuracy of Report I requested these accounts ( Below ) to be Validated or Deleted off of my account Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was ignored by Experian and XXXX stating to identify myself even tho I sent proof of identity. I sent the same Letter to XXXX and they had no problem with investigating and responding to my letter. 
I send a letter to XXXXXXXX XXXX XXXX and they responded that there reporting accurate information which is NOT. ( The XXXX letter I will be sending proof of is the responds to the 1st letter they sent me in reply to my dispute ) I also Send a letter to XXXX and never got a responds back.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: OH

Complaint narrative:
Tran union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where trans union has neither corrected nor Removed dispute 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 tran union inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish this

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 2025-02-08 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: IL

Complaint narrative:
I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.

FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute inaccurate information on my credit report, which continues to negatively impact my credit standing. The debt in question has been sold, yet I was never properly notified, nor has a thorough investigation been conducted regarding this account. 

Furthermore, this debt was improperly sold while I was in bankruptcy, despite the fact that creditors were being paid through the court-approved process. This action was not only inappropriate but also misrepresents my true credit history. 

Despite my repeated efforts over the past several months to resolve this matter, the issue remains unaddressed. I am requesting the immediate removal of this item, as it does not accurately reflect my credit history. 

Please conduct a proper investigation and provide documentation verifying the accuracy of this account. If the debt can not be validated, I request its immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a 3rd party filing this complaint. Its been a long time that the Experian, TransUnion & Equifax been violating my consumer rights by furnishing Fraudulent, Inaccurate and Incomplete accounts on my credit report. At this time I would have to demand the removal of the attached account 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 2025-02-08 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate personal information in the personal information section. I am requesting that this information be corrected to reflect my actual details and that any inaccurate information be permanently removed. 

To ensure accuracy, my correct information is as follows : 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  I request that you remove any name, date of birth, address, or employer that is different from the information provided above, as I have never used or been associated with any other details. Additionally, please ensure my address is correctly listed and remove any outdated, incorrect, or duplicate addresses. 

For verification purposes, I have attached the following documents : Utility Bill ( Proof of current address ) Drivers License ( Identification ) Credit Report ( Highlighting the incorrect information ) I kindly ask for confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Best regards, 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I tried contacting one of the many numbers that come up online for LVNV Funding LLC on XX/XX/XXXX, also again to a different number on XX/XX/XXXX, the last time i tried, another number on XX/XX/XXXX, each time I was unsuccessful being that each number lead to some type of scam call system. I have never being contacted by this company, but tried reaching out because they come up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I repaid my payday loan with amscott back in XXXX when I cashed a check there. They are now saying I have an open loan from XXXX. 
That is completely untrue and is causing problems

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
This bill should have been paid by my ex wife 's insurance. 
Found out about collection thru bank. They want it removed before they will lend. 
The Consumer Financial Protection Bureau ( CFPB ) recently finalized a rule that prohibits medical debt from being included on credit reports. This rule went into effect on XXXX XXXX XXXX 
What does the rule do?

Prevents debt collectors from using credit reporting to pressure people into paying medical bills Prohibits lenders from considering medical debt when assessing borrowers Increases privacy protections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
In XX/XX/year>, I became aware that my personal information was compromised due to a data breach at XXXX. The breach exposed sensitive information, including my Social Security number, credit report details, and other personal data, putting me at risk of identity theft and financial fraud. 

Following the breach, I placed a credit freeze on my accounts and enrolled in credit monitoring services. Despite my efforts, I began experiencing fraudulent activity, including unauthorized credit card applications and suspicious activity on my financial accounts. This situation has caused financial stress, damaged my credit score, and required significant time to address the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report on Feb 8, 2025 and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

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 2025-02-08 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} XXXX looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they
are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall.

( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
When money has been sent to me, money was taking away from each payment. I also sent money and was able to get a refund. I provide services and they allow people to dispute the charges without asking me to see if I provided a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The office of the attorney general is refusing to comply with a court order I have from Texas stating that I do NOT OWE any child support arrears and medical support arrears to Texas and they have all been forgiven. The office of attorney general has denied my dispute requests from TransUnion and XXXX XXXX and continue to tell the credit reporting agencies that I still owe those arrears/amount which is a lie. I have tried to contact the attorney general personally and they refuse to talk to me because I had a private attorney that resolved the child support arrears problem in court. My attorney and myself have sent the court order to the office of attorney general several times without any response. This was supposed to be done since XX/XX/year> and the attorney general said the verbage in my court order want correct. The current court order I have clarified any verbage and states to be backdated to XX/XX/year> and that gave the attorney general plenty of time to comply.

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