vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: MO

Complaint narrative:
I SENT NUMEROUS LETTER FOR THE CREDIT AGENCY TO PROVIDE ME WITH THE RESULTS OF THE INVESTIGATION AND THE NAME OF THE EMPLOYEE WHO DID IT THEY KEPT SAYING IT WAS VERIFIED.I NEED THIS REMOVED OFF MY ACCOUNT THEY DO NOT HAVE MY PROMISSION TO REPORT WITHOUT MY CONSENT. FROM EXPERIAN, 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 — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address 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: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I received a call from a supposedly loan officer to receive my information about a loan that was submitted however, I never submitted the loan and my information he already had which includes my credit report personal identification address and phone numbers and email. The law officer attempted to collect information regarding my bank and my Social Security, although he already have my social. He tried to gain access to my bank and stated he was from a lending club in California although Ive never submitted a application to that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-01-25 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: SC

Complaint narrative:
I am writing to formally file a complaint against XXXX regarding their inadequate response to my disputes concerning inaccuracies in my credit report. I have submitted several requests disputing certain entries within my credit report, citing specific inaccuracies that have negatively impacted my credit score. However, despite providing detailed evidence and documentation, XXXX has repeatedly responded within 24 hours stating that the accounts in question are " accurate. '' These responses have offered no evidence or detailed explanation of the investigations conducted, nor have they addressed the specific inaccuracies I have pointed out. This pattern of behavior violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which clearly states that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information contained in their credit file. 
Additionally, XXXX 's handling of my disputes may also infringe upon the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceedings highlight the importance of thorough investigation protocols for consumer reporting agencies, which XXXX appears to disregard in my case. 

These are the following accounts XXXX XXXX XXXX XXXX ( reported twice on credit report ) 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 2025-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of identity theft. my wallet was stolen when I was on vacation and somebody got my personal information and open a number of accounts in my name, and the credit agencies are reporting these false claim. I have attached my FTC report listing all the negative accounts they are reproting.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please check the information concerning the equifax data breach below in attachments.

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: MI

Complaint narrative:
I am filing a complaint against XXXX and Experian 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 '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: EQUIFAX, INC.
State: DE

Complaint narrative:
Description of what happened : On XX/XX/XXXX, I discovered multiple unauthorized inquiries on my credit report from various companies. These inquiries were not authorized by me, and they are negatively impacting my credit score and overall financial standing. On XX/XX/XXXX, I contacted the credit bureau to dispute these inquiries and formally requested their removal. However, I did not receive any response or resolution. I followed up with additional emails on XX/XX/XXXX, but I still have not been provided with any updates or assistance. 

These unauthorized inquiries need to be addressed promptly to prevent further harm to my creditworthiness. 

Details of the unauthorized inquiries : 1. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 2. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 3. Inquirer : XXXX - Reported on : XX/XX/XXXX 4. Inquirer : XXXX - Reported on : XX/XX/XXXX 5. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 6. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 7. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 8. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 9. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 10. Inquirer : XXXX- Reported on : XX/XX/XXXX 11. Inquirer : XXXX - Reported on : XX/XX/XXXX 12. Inquirer : XXXX  XXXX - Reported on : XX/XX/XXXX 13. Inquirer : XXXX XXXX - Reported on : XX/XX/XXXX 14. Inquirer : XXXX - Reported on : XX/XX/XXXX 15. Inquirer : XXXX XXXX  - Reported on : XX/XX/XXXX Dates and actions taken : Date of discovery : XX/XX/XXXX Date of initial contact with the credit bureau : XX/XX/XXXX Follow-up action : Sent emails on XX/XX/XXXX Amounts involved : There are no direct financial amounts associated with these inquiries. However, they are negatively affecting my credit score and financial standing, which could impact my ability to obtain credit or favorable terms in the future. 

I kindly request an immediate investigation and the removal of these unauthorized inquiries from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by Regions Bank per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under 15 U.S.C. 6802 ( b ).

Investigate whether Regions Bank is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805.

Also Ensure that my nonpublic personal information is no longer shared without proper authorization

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
All credit reporting has outdated information and trans union has me at a zero ( this happened with the other 2 because a creditor claimed I was dead ). Ive reached out but no response.

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 2025-01-25 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: TX

Complaint narrative:
Equifax 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 Equifax, 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 Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

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 so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: LEXISNEXIS
State: GA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Transunion [ Address of the Credit Reporting Agency ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Transunion I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve, this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my 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 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. I sent dispute letter for a company called fair collections and outsourcing for amount of XXXX. I asked for reinvestigation multiple times and it was not done.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint against Equifax for their refusal to remove disputed accounts from my credit report, despite multiple disputes and provided documentation. The accounts in question are listed under collections as follows : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX These accounts are inaccurately reported and are not listed on my credit reports with other credit bureaus. Despite my repeated efforts to dispute these accounts, Equifax has not taken any action to remove them. Additionally, Equifax has failed to respond to my prior complaints about this issue. 

The continued reporting of these accounts is hindering my ability to secure mortgage approval, as it negatively impacts my creditworthiness. I demand that these accounts be investigated and removed from my credit report immediately to ensure that my file reflects accurate and fair information.

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

Complaint narrative:
Not able to get the money that was sent to me on zelle

Company response to consumer: Closed with explanation