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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Its incredibly disheartening to see how inaccuracies on my report are impacting my score and limiting my opportunities. Ive put in hard work to manage my finances, yet Im being held back by errors that shouldnt be there. Its not fair, and its incredibly frustrating.

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: 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 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 lack of verification. This ongoing negligence has caused significant harm to my financial standing, creditworthiness, and overall peace of mind. I am left with no choice but to escalate this matter further to seek resolution and accountability for their actions. I am requesting immediate 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 2025-01-25 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: AL

Complaint narrative:
Trans union 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 inactive or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against trans union, alleging systemic issues such as failing to forward customer-provide evidence to fur users, accepting unreliable, responses, and failing, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. Theses failures align with my experience, where trans union has neither corrected nor remove.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Transworld Systems Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  PA XXXX RE : Account # XXXX To Whom It May Concern, I am writing in response to your recent communication via text message regarding the alleged debt referenced above. I formally dispute this debt and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The details you provided raise significant concerns. Specifically, the violation numbers referenced in your communication ( XXXX and XXXX ) closely resemble those associated with a prior collection agency AllianceOne.. attempting to collect on toll-related debts from XXXX XXXX XXXX XXXX 
CFPB # XXXX - XX/XX/XXXX In that case, I requested validation, but the previous agency failed to provide sufficient proof that the debt was valid. I believe this may either be a duplicate attempt to collect on the same alleged debt or an improperly handled or invalid claim.

Validation requirements To ensure the accuracy of this alleged debt, I demand the following : 1. Proof that I owe this debt : Provide original documentation, including itemized toll charges, violation fees, and any penalties. 

XXXX. Proof of ownership or assignment : Evidence that XXXX XXXX XXXX XXXX  legally assigned or sold this debt to your agency for collection. 

XXXX. A detailed account history : Including the dates, locations, and amounts of any tolls or violations related to the violation numbers : XXXX XXXX XXXX. Proof that this debt is not a duplicate : Clarify how this alleged debt differs from the previous dispute I initiated for nearly identical toll-related accounts. 

Your legal obligation Until this debt is fully validated, you must cease all collection activities, including reporting this debt to any credit bureaus, as required under the FDCPA. Failure to comply with these requirements will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office.

If you can not validate this debt within 30 days, I demand that you close this account, cease all communication, and confirm in writing that no further attempts to collect will be made.

Notice of Rights This letter is not an acknowledgment of any debt and is sent pursuant to my rights under the FDCPA. Any further attempt to collect without proper validation will constitute harassment, and I will pursue all available legal remedies. 
I expect your response within 30 days of receipt of this letter. All future correspondence must be in writing. 

Sincerely, XXXX XXXX

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
AFFIRM XXXX XXXX XXXX XXXX HAS ILLEGALLY REPORTED MY ACCOUNTS PAST DUE. I WAS WORKING THROUGH MY UNFORTUNATE ISSUES WITH MY BANK SERVICES AND CREDIT CARD ACCOUNTS. I FORWARDED A MESSAGE TO AFFIRM THAT I WAS NOT GOING TO MAKE PAYMENTS UNTIL I RESOLVED MY PERSONAL BANKING ISSUES. I RECENTLY MADE MY ACCOUNTS WITH AFFIRM IN ACCORDANCE WITH PAYMENTS UP TO DATE. THEY REPORTED MY ACCOUNTS PAST DUE. I REACHED OUT TO THEM AND THEY TOLD ME THEY CAN NOT RESOLVE THE PROBLEM

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm. 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 XXXX XXXX inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately. The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been trying to log into Equifax for over a month and each time it's told me that I didn't have an account. I tried to add my info then it says that I have an account. When it says to try a RESET and I try that and they say it's going to send me a RESEST email and it never arrives. I've waited hours and checked SPAM to no avail. This can not be right. 

Bad enough they may have bad info but it's another that I can't get into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-01-25 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: CA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX XXXX  XXXX ] [ XX/XX/XXXX ] Subject : Dispute and Request for Removal of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my report, I identified the following inquiries that I do not recognize or did not authorize : XXXX. Creditor/Company Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604 [ 15 U.S.C. 1681b ], a credit reporting agency is only allowed to include hard inquiries in my credit file when there is permissible purpose. I did not initiate, apply for credit with, or authorize these companies to access my credit report. As a result, these inquiries are unauthorized and must be removed from my credit file. 

To assist with your investigation, I have included the following : A copy of my credit report with the unauthorized inquiries highlighted. 
A copy of my government-issued ID for identity verification. 
[ Include any additional supporting documents, if applicable. ] Please conduct an immediate investigation as required under FCRA Section 611 [ 15 U.S.C. 1681i ]. If these inquiries can not be verified as authorized by me, I request their immediate removal. Additionally, under FCRA Section 609 [ 15 U.S.C. 1681g ], I request a detailed explanation of how these inquiries were verified, including the name and contact information of the companies that requested access to my credit file. Failure to remove unauthorized hard inquiries may result in violations of the FCRA, and I reserve the right to take further action under FCRA Sections 616 and 617 [ 15 U.S.C. 1681n & 1681o ]. Please complete this investigation within XXXX  days and provide written confirmation of the results at the address listed above. Thank you for your prompt attention to this matter. If additional information is needed, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 2025-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I recently transferred money from my XXXX XXXX XXXX to my XXXX XXXX XXXX However, I noticed that the amount hasnt changed for the past XXXX days. I called XXXX on XX/XX/XXXX and spoke to a representative who informed me that it takes XXXX business days for the transfer to be reflected in my available balance. This seems like an illegal delay, especially since its an account under the same company. I understand that external accounts may have different transfer times, but it appears that Amex is unnecessarily holding onto funds that should be immediately available. All other accounts I have with other banks allow for immediate transfers, either immediately or the next day, depending on their cut-off hours. Its surprising that a large bank like Amex cant manage its transfers correctly, while smaller banks can. I would like to have this issue investigated as it could potentially lead to significant problems. I should be able to transfer funds immediately and see them in my savings account without any delay.

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 — Account status incorrect
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
working with XXXX XXXX XXXX, We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported XXXX  as delinquent in XXXX of XXXX  before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation