vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: NY

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 XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 

None of this information was provided, nor was an explanation given for the fraudulent account being listed on my XXXX report after subsequently being removed from my XXXX. Under 611 ( XXXX U.S.C. XXXX ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX XXXX failure and negligence. 

This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX was responsible for validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 

None of this information was provided, nor was an explanation given for the fraudulent account being listed on my Experian report after subsequently being removed from my XXXX. Under 611 ( XXXX U.S.C. XXXX ), which governs the treatment of inaccurate or unverifiable information, it is evident that my credit and consumer rights have been violated due to XXXX XXXX XXXX failure and negligence. 

This account has been under review for over XXXX years without proper validation in any instance. As such, this account must be deleted, and any association between XXXX XXXX and my personal information must be removed, as the information is inaccurate, invalid, and fraudulent.

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 2025-01-23 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelless handling of disputes, particularly in the 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 transaction 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 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I wasnt notified that the car was sold and car was voluntarily repossessed. I reached out to the credit report agencies by letter and no response. It has been over a year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$19000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Requesting More Information for Account # XXXX To Whom It May Concern, im seeking more information about an account opened with your company. Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement associated with the sale and financing/leasing of this vehicle. Please include any arbitration provisions. 2. This is a Request for Accounting, please provide an accounting of the unpaid obligations secured by collateral for the transaction involving the account name and number listed above. That includes the monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. XXXX. The Notice of Sale / Notice of Default, informing me of the date, location, and method through which the vehicle would be sold and how I could redeem the vehicle and any other legally required notices. Please provide proof of mailing for these notices. 4. Explanation of Calculation of Surplus or Deficiency Balance, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 5. Any notices regarding my right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter. 6. This is a Request Regarding List of Collateral ; Is the only collateral securing this transaction the one vehicle on the retail installment sales contract for the account number/consumer named above, and there are no other vehicles or items that are used for collateral? If yes, please approve or correct if wrong. 7. This is a " Request for Statement of Account '' ;? Please approve or if not accurate correct and provide the correct amount that is alleged to be owed. 8. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/vendors only ) or open to non-professional buyers. Please do not forget to include the retail installment sales contract, arbitration agreement ( if any ) .We thank you for your 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent money through the company Zelle, which I had contacted to my XXXX XXXX account and I want to buy something from this woman. Everything was legitimate her website, but it just turned out to be a similar website that was compared to hers anyway so I end up sending money and obviously I never received the package that I was originally intended. It was just a bunch of pointless newspapers and I saw I tried to report this few to XXXX XXXX and all that, but they told me that sent the money was sent through Zelle. this happened back in 2022. I ended up losing out on you know money that was meant to be for XXXX presents for my kids and turns out they end up getting barely anything that year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: WA

Complaint narrative:
I have repeatedly disputed accounts that are reported incorrectly with proof from XXXX that the reporting is incorrect. They repeatedly state verified as accurate. I have also repeatedly complained with the CFPB that they have NOT verified causing me to be denied credit and employment. XXXX needs to be sued! As well as be banned by the FTC!

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 2025-01-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date : XX/XX/year> Experian Dispute Center XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Reporting of XXXXXXXX XXXX Account Dear Experian, I am writing to formally dispute and escalate my concerns regarding the inaccurate reporting of a XXXX XXXX  account ( Account Number : XXXX ) on my credit report. Despite disputing this account for over two years, Experian has failed to investigate or correct the inaccuracies, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues with the Account Reporting : 1. False and inconsistent reporting : The payment history for this XXXX XXXX  account includes multiple CO ( charge-off ) designations over consecutive years ( XXXX ) without proper verification. 
2. Inconsistent and missing data : The payment history also includes repeated ND ( no data ) entries, which demonstrates incomplete reporting and a lack of proper recordkeeping. This further violates FCRA guidelines.

Violations of the FCRA : 1. Section 611 ( a ) ( 1 ) ( A ) : Credit bureaus are required to investigate disputed information and verify its accuracy in a timely manner.

2. Section 607 ( b ) : Credit bureaus must maintain maximum possible accuracy in the information they report.

3. Section 609 ( a ) ( 1 ) : Consumers have the right to complete and accurate information on their credit report, which is not being provided here.

Actions Requested : 1. Immediate removal of this XXXX XXXX  account from my credit report due to its false reporting, inconsistent payment history, and missing data. 
XXXX. A detailed explanation and documentation of any investigation conducted by Experian to verify this account, if any. 

For over two years, I have attempted to resolve this issue, but Experian has consistently failed to conduct a proper investigation. This negligence has caused significant harm to my credit profile and financial wellbeing. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to ensure that Experian fulfills its legal obligations. 

I expect a written response within 30 days of receipt of this letter, detailing the actions taken to address this dispute. If no corrective action is taken, I will explore further legal options to protect my rights. 

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

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 2025-01-23 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: NY

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

Company 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 2025-01-23 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against Equifax for falling to propery investigate miy 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 accounts Ive mark as inaccurate XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts thats paid in full not reflecting paid, old address or address Ive never lived at keeps showing on my credit, car loan companies running my background serval times with out approval.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Between the months of XXXX - XX/XX/year>, My credit has dropped XXXX points & received XXXX theft protection threat.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX XXXX XXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information. 
Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXX is obligated to delete the account and any related connections to my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is to inform your company that I want to dispute the following items below on my credit profile. Did you see that the other company 's was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX, & XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. Your company can be next to be SUED. 

Your company Equifax reports the same information. I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate, and the outcome be removed today!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: Freeway Funding, Inc.
State: CA

Complaint narrative:
This account was already settled and marked as closed. But it still appears to be open.

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 2025-01-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I want the following accounts removed that were reported without my permission : XXXX. XXXX XXXX XXXX ; XXXX ( Finance ) XXXX. XXXX XXXX XXXX  ( Finance ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXXXXXX XXXX XXXX ( Bank )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I want the following accounts removed that were reported without my permission : XXXX. XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX. XXXX XXXX XXXX XXXX Finance ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX  ( Bank )

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