vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company from my information XXXX. Please delete the following accounts. creditor : Account Name : XXXX  Account Number : XXXXXXXX Reported Balance : {$5000.00} Account Name : XXXX  Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXXcount Number : XXXX Reported Balance : {$5400.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$860.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} CREDITOR NAME : XXXX INQUIRY DATE : XX/XX/year> Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Employer ( s ) : XXXX XXXX XXXX Employer ( s ) : REAL ESTATE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DISPUTE XXXX XXXX DISPUTE WASNT INVESTIGATED DISPUTE XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXXXX. XXXX XXXX XXXXXXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX  WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX XXXX  WASNT INVESTIGATED

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: FL

Complaint narrative:
DISPUTE XXXX XXXX DISPUTE WASNT INVESTIGATED DISPUTE FILEDXXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXXXX. XXXX XXXX XXXXXXXX XXXXXXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year>XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX XXXX  WASNT INVESTIGATED

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LCI Acquisition Inc.
State: FL

Complaint narrative:
Response to CFPB Complaint - XXXX Dear LCI Consumer Center, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute regarding the inaccurate and noncompliant reporting of a XXXX  XXXX bankruptcy on my XXXX credit report. 

Your response to my CFPB complaint asserts that you obtained the bankruptcy information from public records and conducted a reinvestigation to verify its accuracy. However, I believe your investigation falls short of the required standards outlined by the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. 

Lack of Certified Compliance with XXXX XXXX Standards : According to XXXX XXXX guidelines, data furnishers are required to ensure the utmost accuracy and compliance when reporting consumer data. Your response fails to demonstrate that the reported bankruptcy information adheres to these standards. Specifically, you did not provide certified proof that you physically verified each data element for " maximum possible accuracy and compliance, '' as mandated by the XXXX XXXX XXXX XXXX ( XXXX ). 

Discrepancies Between XXXX  Records and LCI Reports : The information in your recordsspecifically the address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXdoes not align with the data in the XXXX report I obtained directly on XX/XX/XXXX. Moreover, there are significant discrepancies between your Consumer Disclosure Report ( XX/XX/XXXX ) and the LCI data, which highlight inaccuracies and inconsistencies in your reporting.

Failure to Establish Reporting Rights : You claim the information was obtained from publicly available sources ; however, no documentation was provided to prove you have the legal authority or explicit permission to furnish this information to XXXX. Reporting data without such authority violates the FCRA 's " permissible purpose '' requirements. 

Denial of Resolution Responsibility Your claim that LCI can not amend, delete, or remove publicly available information raises concerns. As the furnisher of this data, you are responsible for ensuring the information you report is accurate and compliant. Suggesting that I contact the XXXX Bankruptcy XXXX or XXXX shifts accountability away from LCI and does not satisfy your obligations under the FCRA. 

Inadequate Reinvestigation Despite your reinvestigation, my original dispute highlighted deficiencies in the reported information, including the absence of certified compliance and proper verification. LCI failed to address or correct these issues effectively.

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: KY

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

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

Complaint narrative:
Zelle came off as a XXXX or cashapp which allows us to send money and verify person XXXX. Zelle was not informative enough with messages until recent. I lost a good amount of money due to money being sent and them not taking the extra steps

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: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
I recently refinanced my home. I received checks dated XX/XX/XXXX to pay off creditors and mailed them immediately. XXXX of the creditors was Barclays Bank. Check # XXXX {$2800.00}. I included my account information on the front of the check. After approximately XXXX weeks the payment had not posted to my account. I notified XXXX XXXX XXXX to find out what needs to happen. XXXX sent out a replacement check to Barclays and voided the first XXXX. This I was unaware of until being contacted by XXXX. Barclays cashed both checks and applied only XXXX check ( the voided check ) to my account. I filed a fraud case with Barclays on XX/XX/XXXX. On XX/XX/XXXX I received and email that my fraud case had been resolved and closed. I contacted Barclays at the same time looking at my account. They reversed the voided check from my account. This has put my account over the limit. XXXX on my credit. I asked if Barclays had found the replacement check. They have not. So why was my fraud case closed? I demanded they reopen the fraud case on XX/XX/XXXX to find the other check.

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I made a payment in XXXX and Rocket Mortgage withheld the payment and placed in their bank. They are not applying the payment to the loan. They refuse to take my payments in XXXX and XXXX. 
Also they ran my credit without my permission.

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: CT

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 disputed information outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute 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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
When I spoke with a representative they advised me setup a payment arrangement with lower payment online to {$140.00} on XXXX f every month and failed to advise me that this would have an affect on my credit score. I called Discover and tried to get this resolved and they did nothing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear [ LVNV FUNDING LLC ] REQUEST FOR VALIDATION AND DISPUTE OF CHARGE-OFF ACCOUNT REPORTING I am writing to formally dispute the reporting of the charge-off account associated with XXXX on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), you are legally obligated to provide complete and accurate documentation to verify the legitimacy and accuracy of this account 's reporting. Additionally, under California law, I have the right to demand validated evidence of this debt. 
I am requesting the following documentation to validate this account : XXXX. XXXX XXXX XXXX Records I require authenticated double-entry accounting records that show all transactions debited and credited, providing an accurate and compliant breakdown of this account 's history. Simple statements or conclusory responses will not satisfy this demand, as outlined in XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. 1999 ). 
XXXX. Authenticated Evidence Based on California XXXX I require documented proof, including original signed contracts or agreements, that legally supports your right to report and collect this debt. 
Compliance with [ XXXX. XXXX of Permissible Purpose and Reporting Status Please provide documented verification of your permissible purpose for reporting this account, along with confirmation of the current reporting status. 
I am requesting a clear, documented basis for your continued reporting. 
XXXX. Documentation of XXXX XXXX If this debt has been securitized, sold, or transferred to another entity, provide documented proof of your legal right to continue reporting and collecting on this account. 
Furthermore, this account has been reported with severe inaccuracies. Given the reporting errors and the lack of appropriate validation, I am requesting the immediate deletion of this account from my credit report. 
Please respond within XXXX  days of receipt of this letter with the requested documentation or confirmation that the account has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX people would go in my account and send money on XXXX I wasnt protected

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: FL

Complaint narrative:
I am writing for XXXX time to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) XXXX  Times regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer, as mandated by laws. EXPERIAN on XX/XX/year>,, I noticed that XXXX Bank Account # XXXX was reinserted into my credit report without my knowledge or consent. This action violates the FCRA Section 611 ( B ), which outlines specific requirements for reinserting previously deleted information : ( i ) Certification of accuracy of information : The FCRA mandates that any information deleted from a consumer 's file pursuant to subparagraph ( A ) may not be reinserted by the consumer reporting agency unless the furnisher certifies that the information is complete and accurate. In this case, there was no certification provided by XXXX Bank regarding the accuracy of the reinserted information. ( i ) Notice to consumer : Furthermore, the FCRA stipulates that if any information deleted from a consumer 's file is reinserted, the consumer reporting agency must notify the consumer in writing not later than XXXX business days after the reinsertion. I did not receive any written notification from XXXX regarding the reinsertion XXXX Bank account number XXXX my credit report. In addition to the written notice, the FCRA requires the consumer reporting agency to provide certain information to the consumer within XXXX business days of the reinsertion, including a statement that the disputed information has been reinserted, the business name and address of any furnisher of information contacted, and a notice that the consumer has the right to add a statement disputing the accuracy or completeness of the disputed information. None of this information was provided to me by EXPERIAN. It is evident that EXPERIAN has failed to comply with the FCRA Section 611 ( B ) requirements regarding the reinsertion of previously deleted material into my credit report. This violation has caused significant inconvenience and potential harm to my credit profile. Therefore I kindly request that EXPERIAN promptly rectifies this violation by removing the reinserted from my credit report and ensuring strict adherence to the FCRA guidelines in the future. Please acknowledge receipt of this letter and provide me with confirmation of the actions taken to address this matter. I appreciate your prompt attention to this issue and look forward to a timely resolution. Sincerely, 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 2025-01-14 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
a {$2300.00} collection that doesnt belong to me is on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The CFPB alleges that Capital One promised consumers that its flagship XXXX XXXX account provided XXXX of the nations best and highest interest rates, but the bank froze the interest rate at a low level while rates XXXX nationwide. Around the same time, Capital One created a virtually identical product, XXXX XXXX XXXX, that differed from XXXX Savings only in that it paid out substantially more in interestat XXXX point more than XXXX times the XXXX XXXX rate. Capital One did not specifically notify XXXX XXXX accountholders about the new product, and instead worked to keep them in the dark about these better-paying accounts. The CFPB alleges that Capital One obscured the new product from its XXXX XXXX accountholders and cost millions of consumers more than {$2.00} XXXX in lost interest payments.

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: IL

Complaint narrative:
This XXXX complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX Bank on XXXX XXXX under the account number : XXXX XXXXXX with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is a result of IDENTITY THEFT and FRAUD. I have attached a copy of FTC IDENTITY THEFT CRIMINAL COMPLAINT FTC REPORT NUMBER : XXXX. As proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the XXXX  place.

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