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: 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:
Requested sufficient and fair reporting of credit activity and personal information and the bureau has failed to accurately reflect balances, accounts, furnishers and personal information on my credit report.

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

Complaint narrative:
I submitted a dispute for items showing on credit report. I explain that I was under invest for data breach and sent me a refund check and some items needed to be removed. We went over the items and its still on there

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: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I paid {$150.00} for my car to be serviced by XXXX body shop. I paid for the services via Zelle in advance of my care being serviced. The day of my appointment the technician never showed up and stopped responding to my text. I reached out to Zelle to have the funds reversed as I realized I had issued money to a fraudulent company. Zelle reps started an investigation into the claims and then concluded the investigation quickly by stating that there was nothing they could do to assist me.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Dispute Regarding XXXXXXXX XXXX  Account with Balance of {$1300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXXXXXX XXXX account with a reported balance of {$1300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file. 
2. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting. 
3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process. 

Requested Action : I respectfully request that you : 1. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws.

2. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file. 
3. Provide written confirmation of the results of your investigation and the steps taken to address this dispute.

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law.

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary. 

Thank you for your prompt attention to this matter.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A request a 1099 C for a account that was written off to file on my taxes and never received it.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX card is reporting false and fraudulent information on my credit report and equifax has claimed to validate this information, I won the court case and also sent the order of dismissal to equifax and they are continuing to report this information

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of Drivers Licenses for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. I would like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. Please be sure to send me the results of this request. Thank you.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The debt of the credit report has misinformation of the debt being owed. I have asked the company to provide me with the debt owed from the original contractor with signed contract and proof of ownership. On the credit report, my credit history has incorrect information. I have disputed this debt on several occasions and XXXX has not removed the account it just generates different information ( Payment History ) and does not complete a thorough investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
Had a XXXX XXXX account and was given the Zelle app as a part of the mobile application. Various times I felt like my account balance was low on cash I would check and a couple times called and was told they would figure it out. Ultimately just never revisited situation due to my current financial situation not being impacted fully. Numerous times I sent money in Zelle and wasnt able to get the money back if it was sent to the wrong person. Later on after a while of having the application it the sent us a verification message to confirm the person we are sending it too is someone we know.

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: SC

Complaint narrative:
I've did everything to fix my credit and they want rake things off my report that should have been taken off

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: TX

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

Complaint narrative:
Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I transferred {$100.00} on zelle to someone but later found out that person never had zelle..I called my XXXX XXXX XXXX XXXX to stop the transfer and refund me but they said they couldnt.they said it was received but it wasnt.

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: MD

Complaint narrative:
I bank with Capital One. Have been a customer for a very long time. I discovered last year that the savings account now had a higher interest rate but I was not told of it. So my funds were getting a very low interest rate for a number of years. I lost out on a lot if money by the bank keeping quiet anout that interest change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
The Company Zelle prior to 2017 did not disclose when sending someone money to people if this is the correct user I want to send money too, now they verify prior to sending if this is the correct person. 

a good totality of about {$800.00} I lost in transfers because of this misinformation that the company had.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and Im unsure why. I routinely check my report, but this time I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this issue, I kindly request a thorough review of the documents I submitted so I can stop worrying about this matter.

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: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Dispute Regarding XXXX XXXX XXXX Account with Balance of {$2300.00} To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file regarding the XXXX XXXX XXXX account with a reported balance of {$2300.00}. This account is incomplete and inaccurate, as the name of the original creditor is not included in the reporting. This omission is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant state laws. 

Issue at Hand : 1. Lack of Original Creditor Information : The FCRA ( 15 U.S.C. 1681g ( a ) ( 2 ) ) requires that a credit report clearly identify the original creditor associated with an account. The absence of this critical information deprives me of the ability to verify or dispute the legitimacy of the debt, and it compromises the accuracy and completeness of my credit file.

2. Potential Violation of State Laws : Many state laws impose additional requirements on debt collectors and furnishers of credit information to provide transparent and complete details about any account they report. Failing to disclose the original creditor may also violate applicable state consumer protection statutes, further underscoring the inaccuracy of this accounts reporting.

3. My Right to Accurate Reporting : Under the FCRA, credit bureaus and data furnishers are legally obligated to maintain maximum possible accuracy in credit reporting. The absence of an original creditors name makes it impossible for me to verify the debt or take appropriate action, and it reflects negligence in the reporting process.

Requested Action : I respectfully request that you : 1. Investigate the accuracy and completeness of this accounts reporting in accordance with the FCRA and applicable state laws.

2. Either provide the name and full contact details of the original creditor for this account or remove the account entirely from my credit file. 
3. Provide written confirmation of the results of your investigation and the steps taken to address this dispute.

This letter serves as my formal dispute under the FCRA. Please respond with your findings and any supporting documentation used in the verification process within the timeframe prescribed by law.

Should this matter not be resolved in a timely and satisfactory manner, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, and to pursue other legal remedies as necessary.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief