vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: OH

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. ( 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 2025-02-11 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and remove inaccurate and unverifiable collection accounts from my credit report. Despite multiple dispute letters, Experian has failed to provide verification or remove these accounts, violating the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA : 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

15 USC 1681s-2 Furnishers failed to verify or correct inaccurate information.

15 USC 1681i ( 5 ) ( B ) ( i ) Reinserted accounts without notifying me within 5 business days. 
Disputed Collection Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account Number : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Balance : {$940.00} Date Opened : XX/XX/XXXX Violation : Inclusion of obsolete/inaccurate information. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) Account Number : XXXX Balance : {$530.00} Date Opened : XX/XX/XXXX Violation : Failure to verify accuracy and reinvestigate dispute. 
XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Violation : Failure to conduct a proper investigation. 
Impact of Experians Non-Compliance :

Experians failure to remove inaccurate and unverifiable accounts has significantly impacted my credit score, financial well-being, and ability to obtain housing, loans, and employment opportunities.

Experian is also in violation of 15 USC 1681n, which states that any consumer reporting agency that willfully fails to comply with the Fair Credit Reporting Act ( FCRA ) is liable for : Actual damages or statutory damages of up to {$1000.00} per violation Punitive damages as determined by the court Attorney fees and court costs By knowingly reporting false, inaccurate, or unverifiable information on my credit report, Experian has willfully violated the FCRA, and I reserve the right to pursue legal action to seek compensation for these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
My loan is overseen by the lender MOHELA. They, without my permission, placed my loans in forbearance in XX/XX/year>. I do not want my loans in forbearance because I will be responsible for all of the accrued interest. The only way to release my loans from forbearance is to call MOHELA. I have called them several times and each time got an automated response to hold. I was only hold for XXXX hours XXXX time without anyone answering my call and just last week I was told in the automated response that my wait was XXXX hours. I waited XXXX hours without anyone in customer service picking up my call. I need to speak to them about the repayment of my loans immediately and no one answers the phone. This is unacceptable as I am a paying customer and they are holding my loans hostage in forbearance while charging me interest in the meantime. I should be able to speak to someone in regard to my loans that they service. Their customer service is nonexistent and there are complaints all over XXXX about them and this issue. Please help me to get assistance. This is not professional and unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
The debt was never mine but it was charged-off from the company XXXX XXXX XXXX XXXXXXXX XXXX XXXX I disputed this debt for years and then it was charged off. It showed up on mu reports in XXXX. The company sold the debt to this new company LVNV FUNDING LLC and is showing up as of XX/XX/XXXX and XX/XX/XXXX as a new account on my credit reports. This is unfair and has significantly affected my credit score and has caused me not to qualify for dental work that I desperately need. I am getting the runaround and need assistance in clearing my name and getting this off of my reports. I have never conducted business with either of these companies. XXXX XXXX was identity theft and LVNV, I have never dealt with. I thought that under the FCRA negative items including those charged-off must be removed from your credit report after 7 years from the date of delinquency. I was also under the impression that debt can not reappear under a new name after a time and re-aged or reported beyond the legal limit like these companies are doing to me. The charge shows the amount of {$190.00} for both companies. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premium Credit Bureau
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal PREMIUM CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Delete this unauthorized inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Legal Basis for Removal of Hard Inquiry : Under 15 U.S. Code 1681b ( f ), a consumer reporting agency is prohibited from furnishing a consumer report unless there is a permissible purpose as outlined by the FCRA. If this inquiry was not authorized by me in writing or initiated by me directly, it constitutes a violation of this law. 
Additionally, per 15 U.S. Code 1681i ( a ), you are required to investigate disputed information within 30 days of receiving my request. If you can not provide tangible proof that I authorized this hard inquiry ( such as a signed credit application ), you are legally obligated to remove it from my credit report immediately.

Failure to remove an unauthorized inquiry may result in legal action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing statutory damages for willful non-compliance under 15 U.S. Code 1681n. 

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
I am writing to formally request a reinvestigation of the inaccurate information you have reported to the credit bureaus regarding the following account : Inquiry is in accurate and wasn't pulled with my permission. I was made aware companies can only obtain credit report legitimate reasons, permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), a creditor is required to provide verification of the disputed account within a reasonable timeframe. Since you have failed to provide adequate proof validating this accounts accuracy, you are in violation of your legal obligation. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S.C. 1692g ), if a debt can not be verified, it must be removed from all credit reporting agencies immediately. Your continued reporting of this unverified account constitutes inaccurate and unfair credit reporting, which is a direct violation of my consumer rights. 

As a result, I demand the immediate removal of this inaccurate information from my credit report. If this account is not removed within 30 days of receiving this letter, I will have no choice but to escalate this matter with moving forward with lawsuit. Additionally, I reserve the right to pursue legal action for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ). 

Please confirm in writing that this account has been deleted from my credit file. I expect a response within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I am writing to formally request a reinvestigation of the inaccurate information you have reported to the credit bureaus regarding the following account : Inquiry is in accurate and wasn't pulled with my permission. I was made aware companies can only obtain credit report legitimate reasons, permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), a creditor is required to provide verification of the disputed account within a reasonable timeframe. Since you have failed to provide adequate proof validating this accounts accuracy, you are in violation of your legal obligation. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) ( 15 U.S.C. 1692g ), if a debt can not be verified, it must be removed from all credit reporting agencies immediately. Your continued reporting of this unverified account constitutes inaccurate and unfair credit reporting, which is a direct violation of my consumer rights. 

As a result, I demand the immediate removal of this inaccurate information from my credit report. If this account is not removed within 30 days of receiving this letter, I will have no choice but to escalate this matter with moving forward with lawsuit. Additionally, I reserve the right to pursue legal action for willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ).

Please confirm in writing that this account has been deleted from my credit file. I expect a response within the legally required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: WA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am writing to address the ongoing issue regarding my hotel reservation at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, originally booked through the American Express XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX for {$4200.00}. 

To summarize the situation : XXXX. Initial Booking : On XX/XX/XXXX, I booked the hotel stay at the price of {$4200.00} through the American Express XXXX XXXX, which was accompanied by the Lowest Price Guaranteed offer. 

XXXX. Price Discrepancy : On XX/XX/XXXX, I found a cheaper price of around {$4100.00} by booking directly through the hotel, which also included additional benefits such as a {$750.00} hotel credit and complimentary shuttle service. I also checked other platforms, such as XXXX and XXXX XXXX, and found lower prices there as well. 

XXXX. Request for Price Match : I contacted American Express customer service, requesting a price match based on the Lowest Price Guaranteed terms. Unfortunately, they refused, citing that the hotels promotion was not considered a valid price match. 

XXXX. Dispute Initiation : I was told the booking was nonrefundable, but American Express suggested they could request an exception from the hotel. After attempting to reach the hotel without success, they advised me to dispute the charge through my credit card. Although I did not initially agree to this course of action, they informed me the dispute had already been initiated. 

XXXX. Refund Notification : On XX/XX/XXXX, I received an email from the American Express Dispute team stating they had refunded the charge. When I contacted American Express customer service to clarify, I was assured that the dispute was resolved in my favor, and I was refunded. 

XXXX. Booking XXXX XXXX : Based on this assurance, I booked a new hotel through a different agency, confident that the matter had been settled. 

XXXX. Subsequent Issue : However, I later received an email from the American Express Dispute team informing me that my original booking at XXXX XXXX XXXX XXXX XXXX had been canceled, but that I was still liable for the charge due to the nonrefundable terms. 

Miscommunication and Concerns : The series of misleading information and actions from American Express customer service has created confusion and significant inconvenience. I was led to believe that the charge had been resolved in my favor and that I could proceed with booking a new hotel, only to later find out that I am still being charged for the canceled booking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1. Confirmation of corrections made to the disputed items. 
2. Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3. Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief