vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a copy of my credit report from Equifax that currently still shows inaccurate information. I have sent 3 requests to Equifax for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Equifax states that alleged public record verified per data furnisher. Equifax have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : XXXX ) XXXX XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXXXXXX  XXXX Latest status date : XX/XX/XXXXXXXX  XXXX ) Chapter XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXXXXXX  XXXX Latest status date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : vance and huffman llc Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.

After reviewing my records, I found no written agreement or signed contract with vance and huffman llc authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that vance and huffman llc provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law.

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law.

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I am filing a complain against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-23 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: LEXISNEXIS
State: GA

Complaint narrative:
I am filing a complain against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. S 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to dispute a debt that your agency claims I owe. Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt. 

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges. 

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease. 

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation. 

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute a debt that your agency claims I owe. Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt. 

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges. 

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease. 

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency. 

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation. 

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
LVNV Funding, is reporting fraudulent inaccurate information on my credit report. i have requested that they provided the purchase agreement to show full ownership of such account and also documents so I May review to see if this is actually an account that belongs to me. After Numerous attempts to collect this information, they continue to fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally file a complaint regarding inaccuracies that have appeared on my credit report maintained by Equifax, XXXX, and XXXX. I have been deeply affected by multiple data breaches over the years, most notably the XXXX XXXX breach in XXXXXXXX XXXX XXXX  on XX/XX/XXXX, the Equifax breach in XX/XX/XXXX, and a recent incident on XX/XX/XXXX. 

These breaches have unfortunately compromised my personal information, resulting in fraudulent charges on my credit cards and unauthorized access to my bank account. In an effort to protect myself, I have had to open a new bank account, which has been both time-consuming and distressing. Despite my ongoing efforts to communicate with all three credit bureaus regarding these issues, the inaccuracies on my credit report remain unresolved, particularly concerning items I have disputed as fraudulent. 

I am reaching out to the Consumer Financial Protection Bureau in hopes of obtaining guidance on how to rectify these inaccuracies. I firmly believe that the data breaches I have experienced are directly linked to these discrepancies on my credit report, and I am eager to resolve this matter. I am more than willing to provide any proof of the fraudulent charges and the impact on my bank account that may be necessary for your review.

It is essential for me to maintain an accurate credit report, as it significantly affects my financial well-being. I respectfully request your assistance in addressing these matters and helping me navigate the necessary steps to achieve a fair resolution. 

Thank you for your attention to this pressing issue. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Hi! Good day. The transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. 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 2025-01-23 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/year>XXXX  I deposited {$1200.00} cash into a BoA atm at XXXX XXXX XXXX in XXXX XXXX Arkansas. The machine took the money and did not deliver it to my account. I called BoA customer service over 8 times to resolve the issue, on the last call the agent stated she would not help and would deny the claim. Her agent number is XXXX. She told me to subpoena the bank if I wanted to resolve the issue. The atm has been counted and I can only believe the company has stolen the money at this point.

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 monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX DEPT OF ED : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report from XXXX XXXX XXXX that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved

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 2025-01-23 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: NC

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report from XXXX XXXX XXXX that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report from XXXX XXXX XXXX that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved

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 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides me the consumer with the necessary proof of Investigaton I want reported accounts removed. 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