vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: DC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-02-24 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: TX

Complaint narrative:
XXXX XXXX IS REPORTING FRAUDULENT INFORMATION TO EQUIFAX, XXXX, AND XXXX AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE XXXX XXXX  INFORMATION BEING SHARED IS FRAUD.

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: 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 XXXX IS REPORTING FRAUDULENT INFORMATION TO XXXX, XXXX, AND EXPERIAN AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE CHAPTER 13 INFORMATION BEING SHARED IS FRAUD.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the account listed on my credit report, as it is currently involved in pending litigation. The account in question is under legal review, and any reporting related to it is premature and inaccurate. It is clear that this account should not appear on my credit report until the matter is fully resolved.

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 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX for engaging in predatory lending practices. I took out a {$500.00} loan, and they applied an XXXX rate of 279.50 %, which is completely illegal under Tennessee XXXX due to our state usury laws that cap allowable XXXX rates to prevent predatory lending. 

According to Tennessee Code 47-14-103, the maximum lawful interest rate is significantly lower than what XXXX XXXX has imposed. This violation is not only unethical but also illegal. 

I attempted to resolve this issue directly by calling XXXX XXXX, but I was met with unprofessionalism. I spoke with a XXXX named XXXX, who dismissively told me there was nothing she could do before hanging up on me. 

Given the clear legal violation, I am formally requesting that this loan be fully forgiven or that the XXXX rate be adjusted in accordance with Tennessees usury law caps, considering how much I have already paid. 

I urge your office to take immediate action against XXXX XXXX to prevent them from continuing these unlawful practices. Please confirm receipt of this complaint and advise me on the next steps. Thank you for your help!! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: AR

Complaint narrative:
I called Professional Debt Mediation on XXXX XXXX, 2025 to request validation of a debt. The agent informed me they would re-send it to my email address within XXXX hours. It is now XXXX XXXX, 2025 and I have received no validation and no confirmation of payment arrangement.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite my previous request for its removal. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and must remove or correct any unverifiable or incorrect data. The following accounts are inaccurately reported on my credit profile Capital one Lvnv funding 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 2025-02-24 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 am writing to formally dispute inaccurate information that remains on my credit report despite my previous request for its removal. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and must remove or correct any unverifiable or incorrect data. The following accounts are inaccurately reported on my credit profile Capital one Lvnv funding XXXX

Company response to consumer: Closed with non-monetary relief
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: TN

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under USC 1681g, I request their removal within 15 days. Supporting documents are attached.

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 2025-02-24 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: TX

Complaint narrative:
I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
XXXX XXXX and Rocket Mortgage are refusing to provide adequate insurance coverage for my insurance claim. According to XXXX XXXX, I no longer have coverage for the insurance policy renewed on XX/XX/year>. ( policy numberXXXX ) The insurance policy was paid for the entire year. 

I was told by XXXX XXXX that my policy was cancelled after I filed a claim. They are refusing to speak to my Public Insurance Adjuster to resolve this situation. They will not respond to my insurance adjusters phone calls. Both parties, XXXX XXXX and Rocket Mortage are committing fraudulent practices, due to the fact that they are not disclosing the required information to resolve my insurance claim. I was offered a {$4500.00} payment to satisfy my claim. This is unacceptable. {$4500.00} will be sufficient enough to cover the amount of damage that is filed within my claim. I reject this offer and I have decided to report both parties for fraudulent practices. 

Both XXXX XXXX and Rocket Mortgage will be held accountable for resolving this issue. In an effort to protect the people and ensure that fraudulent practices end with both companies, this complaint has been forwarded to the Georgia Department XXXX Banking and Finance and the Federal Trade Commission ( FTC ). 

XXXX XXXX and Rocket Mortgage will be held accountable for practicing fraud.

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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I requested USAA provide me with the IRS required 1099-C from regarding an account frequenting reporting on my credit reports. Per their response, the debt in question does not meet the requirement for providing a 1099-C form, however, the response goes on to speak to the debt having been " assigned to multiple third-party collection agencies. To date I have not been provided with the chain of title nor formal written notification of the assignment as legally required. Further I have yet to have the account verified per my request late in XXXX  all of which constitute violations of the Fair Debt Collection Practices Act. This lack of compliance only further supports my argument of the illegitimacy of the debt and the improper reporting on my credit report.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process. 

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
The dates of XX/XX/year> delete late payments with USC CODES : 15 U.S.CODE 1681 ( 2Xi ) 15 U.S.CODE 1666b 12 CFR 1026.13

Company response to consumer: Closed with non-monetary relief
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-02-24 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: MI

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing the following accounts on my credit report due to inaccurate late payment remarks that must be corrected immediately. These errors are unjustly impacting my credit profile and must be addressed in full compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau handling this dispute is legally required to conduct a thorough investigation into these inaccuracies. If an error is identified, the bureau must ensure the immediate correction or update of the late payment remarks to reflect accurate reporting. 

I will not accept a generic response stating that an investigation has been completed. I demand a detailed breakdown of every step taken during this process, including : What sources were contacted for verification What documentation was reviewed How the information was confirmed to be accurate A failure to properly investigate or correct these inaccuracies constitutes a violation of the FCRA. I expect full compliance with federal regulations and a timely resolution to this matter. If my legal rights are disregarded, I will have no choice but to escalate this issue further.

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