vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-02-03 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: TN

Complaint narrative:
Im not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.

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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
The entity known to you as XXXX XXXX XXXX, franchised under the laws of New Jersey, is managed by the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. To prevent fraud, counterfeiting or identity theft, we request the following from Absolute Resolutions Investments : Control Number Issued by SSA : Please provide the control number issued to your entity, XXXX XXXX XXXX, by the Social Security Administration. As the true manager of the entity, this number should be located on the reverse side of the Social Security card provided to you and/or your organization. 

Power of Attorney : We require a signed power of Attorney from you or your organization to act on behalf of the entity known as XXXX XXXX XXXX. 

To ensure the legitimacy of your contact, we will be requesting identifying information from any caller claiming to be associated with your company. Please ensure that your representatives are prepared to provide this information. 

Failure to comply with these requests will result in a complaint being filed against you, in your personal capacity as an independent contractor for Absolute Resolutions Investments, with the appropriate financial crimes authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have for years worked on getting the information on my credit report corrected with the agencies and creditors. The agencies have all sent stall letters stating they will not investigate as they believe a third party is requesting the information despite providing them with all of my personal identifying documents. I am providing my most recent request that is not a dispute but seeking the information once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: NJ

Complaint narrative:
I have for years worked on getting the information on my credit report corrected with the agencies and creditors. The agencies have all sent stall letters stating they will not investigate as they believe a third party is requesting the information despite providing them with all of my personal identifying documents. I am providing my most recent request that is not a dispute but seeking the information once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am a victim of XXXX XXXX, I have requested information to be removed and they have declined... this is fraud under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) ... it was supposed to be removed in 4 days time.

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 2025-02-03 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. 

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. 

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. 

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

Sincerely, 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 2025-02-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX **Subject : Dispute of Civil Liability Negligence and Non-Compliance with Section 1681o** I am writing to formally dispute an issue related to civil liability negligence and non-compliance with Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o of the FCRA, any party that negligently fails to comply with the FCRA requirements is liable to the consumer. It has come to my attention that your organization has failed to meet the obligations set forth by the FCRA, specifically in relation to [ explain what the negligence or non-compliance issue is for example, failure to correct inaccurate information on a credit report, failure to investigate a dispute in a timely manner, etc. ]. 

To resolve this matter, I respectfully request that [ state the action you want to be taken for example, removal of inaccurate information, compensation for damages, correction of errors, etc. ]. Failure to address this issue may result in legal action being taken to seek redress for any damages caused by your negligence and non-compliance. 

Please provide me with a formal response within [ specify timeframe, e.g., 30 days ] as required by the FCRA, outlining the steps your organization will take to resolve this dispute. If necessary, I am prepared to escalate this matter by seeking legal counsel or filing a formal complaint with the appropriate authorities. 

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

Sincerely, 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 2025-02-03 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: GA

Complaint narrative:
I am a victim of XXXX XXXX, I have requested information to be removed and they have declined... this is fraud under the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) ... it was supposed to be removed in 4 days time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: RI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX. XXXX {$570.00} payment to XXXX XXXX ( son-in- law ) from Chase. Recipient changed to XXXX XXXX ( XXXX ) and sent. 
XXXX XXXX. Chase message that recipient changed. 
XXXX XXXX. Called Chase ( XXXX ) because recipient is unknown to me. Told to call Claims next day XXXX XXXX. Called XXXX ; left message to please call me XX/XX/year> XXXX XXXX. Called Chase again. Transfer now pending. 
XXXX XXXX. Called Chase; told that it looks like funds were declined. Told to call XXXX ( XXXX ) for estimate to get money returned. 
XX/XX/year> XXXX XXXX. Called XXXX; told funds have transferred. 
XXXX XXXX. Called Chase. XXXX transferred me to claims. Told to try talking to XXXX, that they would try to contact her. Gave her XXXX contact info. Told its possible I cant get the money back. Unable to explain how a total strangers info got on the XXXX transfer page.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and/or unfair information that your company ( Experian ) has reported about me to the credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 16810, you may be held civilly liable for negligent noncompliance with the law, which includes failure to ensure the accuracy of reported information and failure to investigate disputes in a reasonable manner.

As required by the FCRA ( 15 U.S. Code 1681i ), I request that you investigate this matter and correct the inaccuracies or remove the disputed item from my credit report. Please provide written confirmation of your findings within 30 days as required by law.

Failure to properly investigate and correct these errors may constitute negligence and noncompliance, which would entitle me to seek damages under 15 U.S. Code 16810, including actual damages, legal fees, and other relief. If this matter is not resolved promptly, I may be forced to pursue legal action.

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 2025-02-03 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
i was a victim in the XXXX data breach my information was compromised and showing accounts that was not authorized by me not actions have not be taken from the company which i have disputed several times before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
i was a victim in the XXXX data breach my information was compromised and showing accounts that was not authorized by me not actions have not be taken from the company which i have disputed several times before

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 2025-02-03 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:
So I received two late payments for the months of XXXX and XXXXXXXX XXXX XXXXXXXX due to fraudulent activity on my XXXX XXXX XXXX. Those chargers started in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this time I was XXXX  from XXXX, XXXX XXXX until my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have the documentation showing these dates and when I XXXX  from XXXX XXXX to XXXX via plan on XX/XX/XXXX. I Also made a police report on XX/XX/XXXX about these activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
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 Re : **Dispute of Civil Liability under 15 U.S.C . 1681o** Dear XXXX XXXX I am writing to formally dispute the civil liability claim that has been made against me under **15 U.S.C. 1681o** ( Fair Credit Reporting Act ). It is my understanding that the claim involves alleged violations related to the accuracy or handling of my credit report and its associated obligations.

After reviewing the facts surrounding this matter, I believe there has been a misunderstanding or error, and I do not accept liability for the disputed charge/claim. Specifically, the allegations related to [ describe the alleged violation, such as incorrect information reported, failure to correct errors, or failure to notify within the required time ] are unfounded and unsupported by clear evidence.

Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies within my credit report and request a thorough investigation. I would appreciate it if you could provide me with any relevant documentation that supports the claim of civil liability and that justifies the claim being made under this section.

Please be advised that under **15 U.S.C. 1681o**, any willful noncompliance with the requirements outlined by the FCRA may result in significant consequences for the party responsible for the violation. I am confident that upon reviewing this matter, it will become evident that no violation occurred on my part.

Therefore, I kindly request that you immediately address this dispute and cease any further action regarding the civil liability claim. If this matter is not resolved within a reasonable time frame or if the claim is not withdrawn, I will not hesitate to pursue my rights under the Fair Credit Reporting Act, including seeking legal advice and remedies available to me. 

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

Sincerely, XXXX XXXX -- -- -- -- -- - Account XXXX XXXX XXXX XXXX RESURGENT RECEIVABLES LLC XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
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 Re : **Dispute of Civil Liability under 15 U.S.C . 1681o** Dear XXXX , I am writing to formally dispute the civil liability claim that has been made against me under **15 U.S.C. 1681o** ( Fair Credit Reporting Act ). It is my understanding that the claim involves alleged violations related to the accuracy or handling of my credit report and its associated obligations.

After reviewing the facts surrounding this matter, I believe there has been a misunderstanding or error, and I do not accept liability for the disputed charge/claim. Specifically, the allegations related to [ describe the alleged violation, such as incorrect information reported, failure to correct errors, or failure to notify within the required time ] are unfounded and unsupported by clear evidence.

Under the Fair Credit Reporting Act, I am entitled to dispute any inaccuracies within my credit report and request a thorough investigation. I would appreciate it if you could provide me with any relevant documentation that supports the claim of civil liability and that justifies the claim being made under this section.

Please be advised that under **15 U.S.C. 1681o**, any willful noncompliance with the requirements outlined by the FCRA may result in significant consequences for the party responsible for the violation. I am confident that upon reviewing this matter, it will become evident that no violation occurred on my part.

Therefore, I kindly request that you immediately address this dispute and cease any further action regarding the civil liability claim. If this matter is not resolved within a reasonable time frame or if the claim is not withdrawn, I will not hesitate to pursue my rights under the Fair Credit Reporting Act, including seeking legal advice and remedies available to me.

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

Sincerely, XXXX XXXX -- -- -- -- -- - Account NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: OH

Complaint narrative:
US Bank has ruined every chance I had to get a checking account with certain places. The debt their saying I owe their not giving me any information in regards to paying it off and reported it to XXXX which was an incorrect move as I did not owe them. Their trying to collect on very old debt as well because I do not owe them anything since they refuse to give me any information about how to pay it or to remove their false report on 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