vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
Your company 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 CFPB, Consumer Financial Protection Bureau 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 your company 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 these inactions violate federal law.

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 2025-01-14 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: TX

Complaint narrative:
I have been disputing an account with Transunion regarding XXXX XXXX XXXX, a debt collector for XXXX XXXX  since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as a fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX debt collector to XXXX XXXX  to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX from XX/XX/XXXX. My release date was XX/XX/XXXX, XXXX. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that Transunion, and XXXX XXXX XXXX a debt collector fo XXXX XXXX  are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with 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 2025-01-14 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 express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to report an incident of fraud that occurred as a result of using the Zelle money transfer service. I was the victim of a fraudulent transaction that took place in XXXX, when I transferred to an individual or entity that I later discovered was not legitimate. 

The details of the fraudulent transaction are as follows : Amount transferred : {$5000.00} Date of transfer : XX/XX/year> I have made efforts to contact Zelle support and my financial institution to report this fraud, but I have not received sufficient assistance in recovering the funds or preventing future fraudulent activity. I am seeking your help in investigating this incident and ensuring that such fraudulent activity can be addressed and prevented for others. 

I trust the CFPB will take appropriate action to investigate this matter and help me recover the funds lost in this fraudulent transaction. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Car Loan I am writing to dispute the accuracy of the information on my credit report regarding late payments reported for my car loan account # XXXX, XXXX. Under the Fair Credit Reporting Act ( FCRA ) Section 605B, it is unlawful to report inaccurate information on my credit report without my consent or proper verification. I request that this information be removed, and my account status updated to reflect " Paid as Agreed, Never Late. '' Additionally, 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) specifies that reports containing information solely related to direct transactions or experiences between a consumer and a creditor are excluded from the scope of a " consumer report. '' The late payment notations on this account appear inconsistent with this definition and my actual payment history. 



To assist in resolving this matter, I provide the following relevant information : Account Holder Name : XXXX XXXX Account Number : XXXX  Dates of Disputed Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Given these facts, I formally request : 1. Immediate investigation of this dispute under FCRA guidelines.

2. Correction of any inaccuracies and update of the account to " Paid as Agreed, Never Late. '' 3. Written confirmation of your findings and any corrective actions taken. 







Please ensure that this disputed information is not reported to any third parties during the investigation. The FCRA mandates timely investigation and response, and I look forward to a prompt resolution. 



Thank you for your attention and cooperation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: OK

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 Experian 's 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
My business email was copied by a scammer but was one letter off. This scammer was able to use this email to gain access to an invoice we had sent to a client. The scammer asked the client the status of the invoice ( pretending to be my CFO ) and when they payment would be made. They also asked what account was on file with our client for the ACH transfer. Our client gave the last 4 digits of our account. The scammer said this account was no longer valid and asked to update the account information. The scammer completed a direct deposit form with false information, routing number, and account number and signed the document as my CFO. They also included a fake voided check with the same routing and account number. Our client called us before making the bank change so the money was never sent to the scammer ( {$37000.00} ). The routing and account number match JP Morgan Chase Bank. The bank has confirmed the account is real and is attached to a client. They have refused to acknowledge their customer is sending scam emails and has committed fraud. We have filed a police report and reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been disputing a fraudulent card since XXXX LVNV Funding mailed out an affidavit for me to fill out and send in. In which case 30 days later they said they didn't receive it. They kept directing me to mail the photos that i took of the affidavit before mailing them in and when pressed they finally admitted that the forms can be filled out online. In XXXX 's contact they responded with " they can't read them. '' I filled the forms out and the company can not give me a receipt of the forms sent nor can they verify after 7 days if they received the following correspondence. In which case 30 days after they requested the jpeg to be in pdf format. thus pushing the 30 days back due to resending the images. 
This matter is time sensitive and after letting them know. I asked if I can pay this and they responded that it will take 30 days for them to send a receipt. so if I pay or they find it fraudulent as XXXX and XXXX have judged the acct to be, they have made it known that they will take their full time on this matter. I felt as if i am being extorted to pay them and now that they know its time sensitive they will do everything to delay the process to the full extent of 30days when that begins has been reset. As dealing with this collection agency for 5 months I feel as if they are stalling, its costing me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has failed to fulfill their legal obligation under the Fair Credit Report 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, alledging systemetic 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 Experian 's 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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Between XXXX, I have experienced multiple issues with the Zelle platform. Funds would be sent to me, withdrawn immediately from the senders account but I would never receive the funds. My bank nor Zelle directly would ever be able to give a concrete explanation as to why. The funds would take up to two weeks to be returned to the sender. This has also happened when Ive sent money as well. It has caused a major inconvenience and financial strain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
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 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 2025-01-14 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:
( 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 Experian 's 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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have been in discussion with members from your office CITIBANK CREDIT CARD for the last few months. We have been trying to get the remaining balance on cancelled hotel reservation. We have been getting the run around from your office and the office of the XXXX XXXX life vacation rentals. 
Your office has stated that the merchant XXXX XXXX life vacation rentals has denied the cancellation and we you were not put back the remaining {$910.00} all the original rental deposit.. We have been in communication with the merchant, and they tell us that they were charged back the entire amount all the reservation deposit. Please see e-mail thread attached to this e-mail. We are in enclosing the documentation regarding the cancellation of the booking and an e-mail stating that they were charged back the funds and can not refund us any funds because they are being held Citibank. 
We are trying to get an understanding as to who is holding the funds. Are they being held by XXXX XXXX life vacation rentals or my Citibank credit card company. Kindly provide documentation as to why Citibank is not wrongfully holding the money. 
We would like to resolve this matter amicably and continue to use the Citibank credit card.

If I do not receive a response from Citibank, I will turn this over to my attorney so that we may recover the funds. In state of Florida, we are entitled to treble damages and attorneys fees.

Please credit us the remaining charge of {$910.00}.

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 monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-14 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
A debt Validation letter was sent requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received anything proving validation from the company. I also disputed with the credit bureaus and there was not a complete investigation done.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
A debt Validation letter was sent requesting Validation of the debt, including the original contract with original creditor with my signature on it, age of the debt, an itemized statement of what is owed, name and address of original creditor, proof of debt assignment and evidence that I am legally responsible for the debt. I never received anything proving validation from the company. I also disputed with the credit bureaus and there was not a complete investigation done.

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 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I used XXXX  in XXXX  , sent money and someone took my money scammed me I couldnt get it back

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 2025-01-14 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:
There a lawsuit with Experian not not accurately disputing items on report. I have ask for several disputing investigations recently and in the passed. Please remove negative false infirmary on from 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 2025-01-14 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: U.S. BANCORP
State: MI

Complaint narrative:
There a lawsuit with XXXX not not accurately disputing items on report. I have ask for several disputing investigations recently and in the passed. Please remove negative false infirmary on from 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