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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against XXXX, one of the largest consumer reporting agencies, for failing to conduct a thorough investigation of disputed information on my credit report. 

On several attempts I have submitted a dispute to XXXX regarding an alleged vehicle repossession and late payments, and XXXX Violations which I claim are inaccurate. Despite my dispute, XXXX failed to conduct a reasonable investigation and remove the disputed information from my credit report. Account XXXX below. 

ACCOUNT ACCOUNT-NUMBER DATE OPEN XXXX XXXX XXXX XXXX XX/XX/year> Specifically, I have possession of my vehicle, and the alleged repossession is entirely inaccurate. Furthermore, the loan in question is an installment loan, and the creditor 's acceptance of a down payment constitutes a violation of the terms of the loan. 

XXXX 's failure to thoroughly investigate my dispute and remove the inaccurate information from my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires consumer reporting agencies to conduct reasonable investigations of disputed information and to remove inaccurate information from consumer reports. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that XXXX complies with the FCRA. I also request that XXXX be directed to remove the disputed information from my credit report and to provide me with a corrected copy of 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 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: MD

Complaint narrative:
I am writing to file a complaint against XXXX, one of the largest consumer reporting agencies, for failing to conduct a thorough investigation of disputed information on my credit report. 

On several attempts I have submitted a dispute to XXXX regarding an alleged vehicle repossession and late payments, and XXXX Violations which I claim are inaccurate. Despite my dispute, XXXX failed to conduct a reasonable investigation and remove the disputed information from my credit report. Account XXXX below. 

ACCOUNT ACCOUNT-NUMBER DATE OPEN XXXX XXXX XXXX XXXX XX/XX/year> Specifically, I have possession of my vehicle, and the alleged repossession is entirely inaccurate. Furthermore, the loan in question is an installment loan, and the creditor 's acceptance of a down payment constitutes a violation of the terms of the loan. 

XXXX 's failure to thoroughly investigate my dispute and remove the inaccurate information from my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires consumer reporting agencies to conduct reasonable investigations of disputed information and to remove inaccurate information from consumer reports. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that XXXX complies with the FCRA. I also request that XXXX be directed to remove the disputed information from my credit report and to provide me with a corrected copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX 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, Transunions 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX 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 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 2025-01-23 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: Advanced Resolution Services Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
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 Equifax report after subsequently being removed from XXXX XXXX for fraud. Under 611 ( 15 U.S.C. 1681i ), 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  's 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 explanation
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XXXX  XXXX XX/XX/year> The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> The following inquiry was not and should not be reporting.

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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am willing to dispute several inaccuracies and incomplete information that i have discovered upon reviewing my credit report. It has come to my attention that there are discrepancies within my consumer file pertaining to the following accounts. 

Account : ( XXXX ) XXXX XXXX, XX/XX/XXXX {$1400.00} Account : XXXX XXXX, XX/XX/XXXX {$970.00} Account : XXXX XXXX XX/XX/XXXX {$2300.00} Account : Achieve Personal Loan XX/XX/XXXX {$7700.00} Account : Capital XXXX XX/XX/XXXX Account : XXXX  XXXX XX/XX/XXXX Account : XXXX XX/XX/XXXX These discrepancies have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that the information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of each account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that you promptly delete them from my credit report. 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. Please acknowledge receipt of this dispute within 30 days and provide updates on the progress of the investigation. Thank you for your prompt attention to this matter

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX The open date ( XX/XX/XXXX ) and last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are inconsistent and inaccurate, violating the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ).

Additionally, remarks such as Account Closed By Credit Grantor and Unpaid Balance Reported As A Loss By Credit Grantor conflict, further demonstrating the accounts inaccurate reporting.

The account appears to be reported multiple times with conflicting details, including terms count, months reviewed, and payment history, which may lead to unfair reporting and double-counting of debt.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX Account Number : XXXX The open date ( XX/XX/XXXX ) and last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are inconsistent and inaccurate, violating the standard of maximum possible accuracy mandated by 15 USC 1681e ( b ).

Additionally, remarks such as Account Closed By Credit Grantor and Unpaid Balance Reported As A Loss By Credit Grantor conflict, further demonstrating the accounts inaccurate reporting.

The account appears to be reported multiple times with conflicting details, including terms count, months reviewed, and payment history, which may lead to unfair reporting and double-counting of debt.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AK

Complaint narrative:
Creditor : Avant , LLC XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Creditor charges late fees in excess of regulations.

Creditor takes longer than 10 days to process payments by check, and instead of showing on the account that the payment was received on the date the payment was actually delivered to mailbox, or at least the date it began processing the payment, it posts the payment date as the date the payment cleared, or the date the date it completed processing, which can be a week or more from the date the payment was actually delivered. Creditor then charges a late fee during this period, and refuses to remove said fee. A late fee of {$25.00} on a credit limit of {$300.00} is outrageous. This fee is also in excess of regulations on credit card companies with more than XXXX account holders, which Avant boasts of on its website. This is a predatory practice and should be investigated by the CFPB.

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: NY

Complaint narrative:
I am writing regarding Zelle disputes in regards to the lawsuit. They gave a hard time reimbursing funds. They continue to neglect consumers when we deserve protection against those who exploit the system.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to the recent suit against said company for inaccurately verifying and re-entering inaccurate reports to my report I am filing this complaint on behalf of my entire report. debt validation has not been provided by either the company or the bureau. The inaccurate reporting is a violation of 15 U.S. CODE 1681- CIVIL LIABILITY 15 U.S. CODE 1681g- DISCLOSURE TO CONSUMERS 15 U.S. CODE 1681i- PROCEDURE IN CASE OF DISPUTED ACCURACY 15 U.S. CODE 1681s-2-RESPONSIBILITIES OF FURNISHERS OF INFORMATION 1. Inaccurate Reporting of Account Information : The following companies has reported incorrect account information on my credit file, including inaccuracies such as late payments, balance errors, account status, etc. 2. Failure to Investigate Disputes : After I disputed this information directly with said companies and the credit bureaus, the company failed to properly investigate and provide documentation verifying the accuracy of the reported information, violating their duty under 15 U.S.C. 1681s-2 ( b ) of the FCRA. 3. Reinsertion of Disputed Information : Despite my disputes, I noticed that the disputed information was reinserted into my credit file without notice or validation, which contravenes 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 4. Harmful Impact on My Creditworthiness : These inaccuracies have caused significant harm to my creditworthiness, impacting my ability to obtain loans, housing, and other essential services.

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: CA

Complaint narrative:
Due to the recent suit against said company for inaccurately verifying and re-entering inaccurate reports to my report I am filing this complaint on behalf of my entire report. debt validation has not been provided by either the company or the bureau. The inaccurate reporting is a violation of 15 U.S. CODE 1681- CIVIL LIABILITY 15 U.S. CODE 1681g- DISCLOSURE TO CONSUMERS 15 U.S. CODE 1681i- PROCEDURE IN CASE OF DISPUTED ACCURACY 15 U.S. CODE 1681s-2-RESPONSIBILITIES OF FURNISHERS OF INFORMATION 1. Inaccurate Reporting of Account Information : The following companies has reported incorrect account information on my credit file, including inaccuracies such as late payments, balance errors, account status, etc. 2. Failure to Investigate Disputes : After I disputed this information directly with said companies and the credit bureaus, the company failed to properly investigate and provide documentation verifying the accuracy of the reported information, violating their duty under 15 U.S.C. 1681s-2 ( b ) of the FCRA. 3. Reinsertion of Disputed Information : Despite my disputes, I noticed that the disputed information was reinserted into my credit file without notice or validation, which contravenes 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA. 4. Harmful Impact on My Creditworthiness : These inaccuracies have caused significant harm to my creditworthiness, impacting my ability to obtain loans, housing, and other essential services.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquires on my report that is unauthorized by me

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have inquires on my report that is unauthorized by me

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