vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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:
I have sent in a dispute, and none of the arrows are fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have sent in a dispute, and none of the arrows are fixed

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX. 
XXXX, GA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX TransUnion XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report To Whom it XXXX Concern, 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 Experian 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 XXXX be mishandled in a similar manner. 

Additionally, due to many data breaches which compromised my information being compromised on several occasions in the last several years, I reviewed my credit report to find multiple inaccurate and fraudulent items that I am now disputing under FCRA 611. These accounts and inquiries were not authorized by me and should be removed immediately. 

Accounts to Be Removed : XXXX. XXXX. XXXX XXXX XXXX XXXX  ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX XXXX XXXX XXXX ( Collection ) Fraudulent XXXX. XXXX XXXX  BANK ( Charge-Off ) Fraudulent XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX XXXX ( Late Payments ) Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Inaccurate Reporting XXXX. XXXX XXXX ( Late Payments ) - Inaccurate Reporting XXXX. XXXX XXXX ( XXXX ) - Fraudulent XXXX. XXXX ( Late Payments ) - Inaccurate XXXX XXXX. XXXX XXXX ( Late Payments ) - Inaccurate XXXX XXXXXXXX XXXX XXXX ( Late Payments ) - Inaccurate Reporting Hard Inquiries to Be Removed : XXXX. BANK XXXX XXXX Unauthorized Inquiry ( XX/XX/year> ) XXXX. XXXX XXXX XXXX XXXX XXXX. Unauthorized XXXX ( XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian XXXX times once around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The previous complaints were XXXX and XXXX Each time they noted the record was verified and correct. Even after receiving a letter from the clerk of the court stating they do not verify with consumer reporting agencies. On Experian website it states public records come from XXXX XXXX. On XXXX XXXX website it states that the public records it reports it contains errors and information is not 100 % accurate. By doing this violates my consumer rights reporting not 100 % accurate and complete information to my report. Violated by not maintaining an 100 % accurate information on my consumer report. Violations includes including 15 U.S.C. 6802, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681b, 15 U.S.C. 1681q, and 15 U.S.C. 1681c-2. This wrong information is hurting me from obtaining credit and purchase an home. Its also embarrassing having this inaccurate not true information on my report. I was told by an agent XXXX XX/XX/XXXX it would be removed in XXXX. Its still on my report this was initiated XX/XX/XXXX for reinvestigation. Experian also use the complaint from the CFPB as an dispute. This is not to dispute but to investigate Experian handling in this already disputed account on 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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
Ive been being harassed for debt from a debt collectors who was not the original creditor. Back in 2020 I was charged over {$3000.00} in unverified damages done to my old apartment. The apartment was left clean, the carpet was cleaned and the walls were wiped clean. We were sent a bill off $ XXXX saying we owed the company ( XXXX XXXX XXXXs ) due to damages. The apartment was never damaged. And I wasnt able to do the walk thru with the landlord. Months after I was being called XXXX times a day from a debt collector by the name of US collections XXXX I asked them to stop calling but they continued to call. When I spoke with a lady she told me I was being sued for a debt regarding the square apartments. I tried to fight it but they told me I was going to be sued and they will be taking a percentage of every check I recieve from my job. Out of fear I told them I would pay the debt because I felt contented and thought there was nothing I can do. So I went to their office and signed the papers agreeing to make payments. After making a few payments I was no longer able to make payments anymore. The calls begin again. They were telling me they are going to sue me and take my car, home and my checks. I was once again scared into making more payments. This company has been harassing for many years over a debt that should have never been a debt in the first place. Im sick of this company can someone please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and notice i have fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer XXXX : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX XXXX, XXXX XXXX, Untitled XXXX, XXXX 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. To support my claim I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

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

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I asked a representative if I paid the debt in full will they remove it from my credit report he said yes and he will send me an email stating that the debt was paid in full and it will get reported and removed from my credit report. I have not received the letter and is still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXX XXXX XXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to XXXX, XXXX, and Experian , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called NewRez/Shellpoint to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXXXXXX XXXX XXXXXXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to XXXX, TransUnion, and XXXX , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called XXXX to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXX XXXX XXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to Equifax, XXXX, and XXXX , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called XXXX  to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX, submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Received a notice my account would be closed on XX/XX/XXXX. I contacted them. Transferred to XXXX different individual. No reason given. Ive been banking with them for years. I am a XXXX XXXX  and my SS gets direct deposited there monthly. They gave me less than two weeks to notify SS and to get myself another bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Beginning on or about XXXX XXXX, XXXX, Ive been getting frequent and annoying emails from XXXX XXXXXXXX XXXX XXXX XXXX  on behalf of Jefferson Capital Systems LLC concerning an amount of {$150.00} XXXX allegedly owe to the now-defunct XXXX  phone XXXX. The amount dates back to XXXX. 

I believe I did have XXXX back them but I didnt owe them any money at all. Until XXXX or XXXX, I had a flip phone. I subscribed to the phone plan with the lowest fee as I do not talk on the phone or text very much. To hear I owe {$150.00} to XXXX, which was bought out by XXXX in XXXX, is absolutely astonishing. There were simply no circumstances under which I would have racked up such a large amount to a phone company. 

What I believe is going on is that during the acquisition in XXXX, XXXX bought XXXX debt. XXXX inflated the debt. It used innocent people like me, fabricating alleged charges they owed. 

Id like to know how, since XXXX, I was able to switch my phone service several times, keeping the same phone number. So far as I know, phone companies do not let you sign up if you still owe money to another phone company. And they certainly do not let you keep your old number. 

I have not contacted XXXX XXXX, which is bombarding me with demands practically every day. I dont want them to have my new street address or email address or phone. That is information they require. 

No proof of my owing {$150.00} to XXXX was given to me by XXXX XXXX. 

I made phone calls when I was with XXXX that were within the confines of the monthly plan I signed up for, which was the cheapest plan since I have low phone usage. If XXXX XXXX is doing this to me I am elderly, not a teen whos on the phone all day or someone who calls foreign countries regularly they are also doing it to others. I simply refuse to cough up a large amount of money to a greedy corporation and its henchmen who are fabricating stories about my nonexistent overuse of my phone XXXX or more years ago.

Company response to consumer: Closed with explanation