vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts reported are below. 
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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
First I sent a debt validation letter LVNV Funding and requested proof of the debt assignment.next I asked for the original contract that I sign from the original creditor also a payment history and dates from the original creditor also this account has been sent to another collection agency with out my authorization it started XXXX XXXX and they sold it to XXXX now XXXX has soled it to resurgent capital service another debt collector.all this is with out any of my authorization in witch is illegal under 15 usc 1692g also NO 1099C form was ever sent to by XXXX XXXX  after this charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX decided to restrict my account XXXX years ago, and since then, I have been unable to transfer my remaining balance. They continue to renew and add additional limitations every XXXX  days. Whenever I try to contact them, they state that they are unable to provide an explanation as to why the account remains limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I requested a debt validation claim/letter from XXXX XXXX XXXX # XXXX. I specifically ask for them to send me a full detail list of payment history on the account, I want to see original signature I agreed to on the contract, wanted to know of any insurance claims on the contract & I want to see the chain of title that gives them authority to collect on the debt. All the information needs to be reported accurately. After asking for those items they hung up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my serious concerns about several issues I have identified on my credit report. Upon reviewing it, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently need your help to address them.

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 2025-01-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my serious concerns about several issues I have identified on my credit report. Upon reviewing it, I discovered multiple inaccuracies, including incorrect account listings, unauthorized inquiries, inconsistent billing information, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently need your help to address them.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: CA

Complaint narrative:
Agency : Kikoff Lending Type : Charge Card Originated Date : XX/XX/XXXXXX/XX/XXXXBalance : {$0.00} I found on my credit report that Kikoff Lending reported late payments of up to 90 days for an account that I did not open on XX/XX/XXXXXX/XX/XXXXThis very well was identity theft or fraud. I reviewed the information and found inaccuracies in the claim. I DO claim that I DID open a Kikoff account on XX/XX/XXXX that is currently paid in full and in good standing. The false information reported from XX/XX/XXXX is not valid or correct. Proof was not provided to validate this information and validate that this account is true and belongs to me. I am disputing this immediately for inaccuracy and identify theft/fraud made by someone else other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am writing to dispute accounts and inquiries listed on my consumer credit report, as referenced below, which are the result of a data breach or fraud. Additionally, I request verifiable proof, including my signature or electronic signature, to validate these actions.

This letter is sent directly by me, not a third party, so I ask that you review it carefully. I never authorized these actions, which violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these actions breach Section 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from a data breach or fraud, and Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes for consumer reports. 

I have reached out to the companies involved and confirmed that these actions were initiated without compliant validation or original proof from the reporting entities. As I did not authorize these accounts or inquiries, they are inaccurate and likely the result of a data breach or unauthorized reporting of my consumer information by creditors or third-party data furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account Request for Debt Validation Under 15 U.S.C. 1692g Re : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Dear Sir or Madam, I am writing to formally dispute a collection account that appears on my TransUnion credit report. I am requesting that TransUnion investigate this account and verify its validity, in accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which gives me the right to request validation of the debt being reported. 

Items in Dispute : Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount Reported : {$780.00} Legal Basis for Dispute 15 U.S.C. 1692g ( FDCPA ) : Under 15 U.S.C. 1692g, I have the legal right to request validation of any debt reported by a debt collector. The debt collector must provide proof that : The debt is legitimate and belongs to me. 
The amount of the debt is correct. 
The debt collector has the legal right to collect this debt. 
I have not received proper validation of this debt, and therefore, I am requesting that TransUnion investigate this entry, and if the debt can not be properly validated, the entry should be removed from my credit report. According to the FDCPA, if the collection agency can not provide sufficient validation, the debt should not appear on my credit report. 

Request for Action : In accordance with 15 U.S.C. 1692g, I request that TransUnion : Verify the accuracy of the collection entry listed on my credit report. 
Contact the debt collector to obtain the necessary documentation to validate the debt. 
Remove the collection from my credit report if the debt can not be validated or if the debt collector fails to provide sufficient evidence of the debts legitimacy.

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 2025-01-24 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: CarMax, Inc.
State: FL

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XXXXXX/XX/year> by CARMAX AUTO FINANCE. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
I am filing a complaint against Equifax XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax XXXX and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The items listed below are inaccurate Account Equifax XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX  Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XXXX XXXX XXXX XXXX Account # : XXXX Opened : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Date XXXX XXXX XXXX XXXXXXXXAccount # XXXX*Date Opened : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the above-referenced debts. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS ACCOUNT IS NOT ACCURATE

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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
They are calling friends and family saying they are calling to follow up with a complaint receiving our office XXXX, the reference case number isXXXX. this call has been log

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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
Today I requested that medical debt that was owed to XXXX XXXX XXXX XXXX meets the new guidelines of CFPB ( the rule ) & requested for them to be deleted today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX LVNV Funding Dispute of Non-Compliance and Non-Investigation under FCRA Dear XXXX and LVNV Funding, I am writing to formally dispute the handling of my credit report as it relates to an account held by LVNV Funding. On XX/XX/XXXX, I submitted a dispute regarding inaccuracies on my credit report, which should have prompted a thorough investigation per the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any correspondence confirming that my dispute was investigated nor have I been provided with the results of any such investigation. This lack of communication and compliance with FCRA regulations is concerning. 

I request that both XXXX and LVNV Funding conduct a full re-evaluation of the disputed account. I expect a response confirming that my dispute is being investigated, along with relevant updates, within the time frame mandated by the FCRA. 

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

Sincerely, XXXX XXXX [ XXXX with LVNV funding XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-24 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:
I am writing you about my social security number being comprised and used to open fraudulent accounts.. I believe I am a victim of identity theft due to the XXXX Data breach. I found my personal information was comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> XXXX. I was a victim of XXXX XXXX XXXX Account XXXX : XXXX XXXX. I was a victim of XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXXXXXX Account Number : XXXX. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX  XXXX Account Number : XXXX XXXX. I was a victim of XXXX XXXX XXXXXXXX  Account Number : 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