vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am now locked out of my account and unable to get accurate dates numerous times I sent money and the other person did not receive it but it says received which occurred 3 times in 2023 I also had to make a new account with my bank because they apparently shut down the physical app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing in response to your inquiry regarding the disputed items on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have provided evidence that I properly disputed these items with the credit reporting agencies ( CRAs ) and/or data furnishers. Last attempt was mailed on XX/XX/year>. The FCRA establishes specific obligations for CRAs and data furnishers when a consumer disputes information in their credit report, including : Section 611 ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable investigation into disputed information upon notification of the dispute.

Section 623 ( b ) ( 1 ) : Data furnishers are required to investigate disputed information promptly and report the results of the investigation to the CRA and, if inaccurate, correct or delete the information. I will attach what I received below and this information will include documentation that demonstrate : The dates on which I initiated disputes with the CRAs and/or data furnishers. 
The disputed items in question, including the details provided to the CRAs. 
Confirmation of receipt of my disputes by the CRAs and/or data furnishers, where applicable. Given the evidence provided : I request that the CFPB ensures the CRAs and/or data furnishers comply with their obligations under the FCRA. 
If the disputed items remain unverified or unresolved, I request that the inaccurate or unverifiable information be removed from my credit report as required under Section 611 ( a ) ( 5 ) ( A ). 
Thank you so much for your time 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing in response to your inquiry regarding the disputed items on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have provided evidence that I properly disputed these items with the credit reporting agencies ( CRAs ) and/or data furnishers. Last attempt was mailed on XX/XX/year>. The FCRA establishes specific obligations for CRAs and data furnishers when a consumer disputes information in their credit report, including : Section 611 ( a ) ( 1 ) ( A ) : CRAs must conduct a reasonable investigation into disputed information upon notification of the dispute.

Section 623 ( b ) ( 1 ) : Data furnishers are required to investigate disputed information promptly and report the results of the investigation to the CRA and, if inaccurate, correct or delete the information. I will attach what I received below and this information will include documentation that demonstrate : The dates on which I initiated disputes with the CRAs and/or data furnishers. 
The disputed items in question, including the details provided to the CRAs. 
Confirmation of receipt of my disputes by the CRAs and/or data furnishers, where applicable. Given the evidence provided : I request that the CFPB ensures the CRAs and/or data furnishers comply with their obligations under the FCRA. 
If the disputed items remain unverified or unresolved, I request that the inaccurate or unverifiable information be removed from my credit report as required under Section 611 ( a ) ( 5 ) ( A ). 
Thank you so much for your time XXXX XXXX XXXX XXXX ) XXXX XXXX

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

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 unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit 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: NV

Complaint narrative:
XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I'm reopening the case for XXXX ( attached ) because it never got resolved and including Equifax. I reached out to all the hard inquiries listed on my credit report. Attached are the responses from the inquiries that responded back. Also attached are the letters I sent to XXXX and Equifax demanding these inquiries be removed immediately. The addresses listed on my credit report are apparently invalid, they came back return to sender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are unauthorized inquiries from your company sitting on my credit report, and theyve been dragging down my score for some time now.

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

Complaint narrative:
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 removeddisputed items despite the evidence I provided, causing ongoing harm to my credi 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 XXXX 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 2025-01-15 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: AL

Complaint narrative:
The company reported accounts and continued to report accounts that were paid off. I filed for a dispute, and they said no action was taken at this time. These items continue to report negatively on my report every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
capital failed to understand that my account was hacked never once reached out to me to help and I dont have the account nomore all my funds was gone

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

Complaint narrative:
Experian has failed to fulfill it's legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on 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 unreliable responses, and failing to adequately unreliable notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit 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: AR

Complaint narrative:
Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to Conduct a resasobable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furtnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experince, 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 inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal information may have been subject to major data breaches in XXXX, XXXX and again in XXXX. This is not my debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Sent money with XXXX turn out to be fraud and I wasnt able to get my money back. It was XXXX $ on XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally file a complaint against LVNV Funding LLC for their continued failure to remove fraudulent collections accounts from my credit report, despite being provided with substantial evidence of identity theft and multiple notifications of the issue.

During the process of obtaining pre-approval for a mortgage, I was notified of three accounts currently in collections. Upon learning this, I contacted all relevant companies to gather information and address the issue. My identity was stolen in XXXX, and the repercussions have persisted across multiple states, including Pennsylvania and Oklahoma. Over the years, I have documented these incidents through numerous police reports filed with various authorities. 

Furthermore, I was contacted by XXXX XXXX XXXX  XXXX, who made threatening remarks regarding my financial stability in relation to LVNV Funding LLC. Upon investigation, I discovered that my former business, now closed, was compromised, and a loan was fraudulently obtained using my personal information. This incident, along with others, was reported to law enforcement. I have also taken additional protective measures, including filing an identity theft report with the Federal Trade Commission ( FTC ) and establishing a credit freeze. 

I have provided LVNV Funding LLC with the following documentation on multiple occasions : A detailed statement of the fraudulent activity. 
Copies of local police reports. 
The FTC Identity Theft Report. 
A notarized affidavit attesting to the fraudulent nature of these accounts. 
Despite these efforts, LVNV Funding LLC has failed to take corrective action and continues to report the collections account on my credit report. Most recently, I sent a final notice on XX/XX/XXXX, reiterating that all pertinent information had already been provided and requested that they resolve the matter by XX/XX/XXXX. However, no action has been taken to date. 

LVNV Funding LLCs actionsor lack thereofconstitute a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Their failure to investigate and remove fraudulent information, despite receiving substantial proof of identity theft, is unlawful and has caused significant harm to my financial reputation and creditworthiness. 

I am requesting the CFPBs assistance in holding LVNV Funding LLC accountable for their non-compliance and ensuring that the fraudulent accounts are promptly removed from my credit report. Please advise on the next steps to escalate this matter and enforce compliance.

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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disrupted 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 a 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 experiences, where Experian has neither corrected nor removed the error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle did not give me the option to verify who I was sendin money too and was sent to wrong person. Also scam people sending money then asking for it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have a bankruptcy showing up on my credit reports. I have proof from any courts that they DO NOT report to credit bureaus. I sent a certified letter to all three major credit bureaus and received a letter back stating they could not complete my request as they were unable to determine what I was requesting. The letter that I sent them clearly stated what I was asking them to do and included my name, social security number and all information that they needed. I do not feel that they even looked into my request and just sent a generic letter stating they had. I want the bankruptcies they are reporting to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Please review the attached docs. 

Please remove the fraudulent and suspicious hard inquiries from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief