vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
I dispute the following hard inquiries on my credit report : XX/XX/XXXX XX/XX/scrub> 2024 .Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Idont recognize this Thai should delete in 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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/year>2024 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Self.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to inthe consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below.

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. This is unfair to 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
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Complaint Against Portfolio Recovery Associates , LLC Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXX, XXXX, VA. I have experienced significant difficulties with them regarding a credit card debt claim. 

I was sued by Portfolio Recovery Associates for alleged credit card debt, but I never received the necessary documentation to validate that the charges truly belong to me. Additionally, they failed to verify any of the provided information, which I believe is against fair lending practices. Due to the situation, I did not have legal representation during this process, which left me at a disadvantage. 

I have since learned that the CFPB has also taken action against Portfolio Recovery Associates in relation to these practices, specifically in Case XXXX, with documents filed on XX/XX/XXXX. 

I urge you to investigate this matter and take appropriate action against Portfolio Recovery Associates , LLC, to protect consumers like myself from unfair practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The 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 recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request the the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent letters to XXXX XXXX and XXXX only to be told that I am responsible for this debt which I know to be closed and wrongly purchased from this debt collector I asked to receive signatures of the contract which I never received. On all three credit bureau my credit score is different. My debt amount is different on all the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
Equifax 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XX/XX/XXXX- {$15000.00} Charge-off- account # XXXXXX/XX/XXXX/ XX/XX/XXXX- {$1500.00} Account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX -- {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Experian Accounts 1. Account Number : XXXX XXXX : {$740.00} XXXXXXXX XXXX XXXX XXXX. Account Number XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$560.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$470.00} The XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$250.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX : {$64.00} XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute and request an immediate investigation into inaccurate and inconsistent items on my credit report as required under the Fair Credit Reporting Act ( FCRA ). The items in question are causing unnecessary harm to my credit profile, and I demand prompt rectification of these discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute and request an immediate investigation into inaccurate and inconsistent items on my credit report as required under the Fair Credit Reporting Act ( FCRA ). The items in question are causing unnecessary harm to my credit profile, and I demand prompt rectification of these discrepancies.

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 2025-01-26 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: CA

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-27 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: DE

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 
I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX ( XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XX/XX/year> to XX/XX/year>, 10 unauthorized debits were made on my business checking account for a total of {$10000.00}. I filed a complaint with Bank of America on XX/XX/year>. To this date, Bank of America has only returned {$4500.00} an has not resolved or returned the rest of the money. Every time I call, I get rude employees and I am told to call XXXX XXXX, which doesn't make sense. I have been dealing with this for a long time and I am not receiving any help from BofA.

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 2025-01-26 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: AZ

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX due to a problem with Experians investigation. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting car. Experian violates my rights as a consumer, as well as federal laws.

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 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX ( 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 2025-01-26 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:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint regarding inaccurate and fraudulent accounts that have been reported on my credit report without my knowledge or consent. These accounts have had a significant negative impact on my credit score and overall financial well-being.

Upon discovering these inaccuracies, I promptly reached out to the relevant credit reporting agencies to dispute the fraudulent accounts.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information in my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must investigate disputed information and correct or delete any inaccuracies within 30 days. Despite this, my disputes have not been resolved, and the fraudulent accounts persist on my credit report.

Moreover, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using deceptive, unfair, or abusive practices to collect debts. The existence of these fraudulent accounts on my credit report indicates a violation of these consumer protection laws.

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 2025-01-26 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:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally file a complaint regarding inaccurate and fraudulent accounts that have been reported on my credit report without my knowledge or consent. These accounts have had a significant negative impact on my credit score and overall financial well-being.

Upon discovering these inaccuracies, I promptly reached out to the relevant credit reporting agencies to dispute the fraudulent accounts.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information in my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies must investigate disputed information and correct or delete any inaccuracies within 30 days. Despite this, my disputes have not been resolved, and the fraudulent accounts persist on my credit report.

Moreover, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using deceptive, unfair, or abusive practices to collect debts. The existence of these fraudulent accounts on my credit report indicates a violation of these consumer protection laws.

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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC has re-aged an account that has passed the statute of limitations in my state to now showing opened 3 months ago. They also have falsely claimed themselves as the original creditor. This seems to be a common habit for them.

Company response to consumer: Closed with explanation