vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I HAVE SEVERAL ACCOUNTS ON MY CONSUMER REPORT THAT ARE INACCURATE, UNVERIVIED AND ARE A VIOLATION OF THE FCRA. THESE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY BETWEEN XXXX, XXXX, AND TRANSUNUION. THESE ACCOUNTS MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 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 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 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 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  THESE ACCOUNTS ARE REPORTING INACCURATE PAYMENT HISTORY AND DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE BETWEEN XXXX, TRANSUNION, AND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reportina agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
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 Subject : Dispute of Inaccurate Information in Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I noticed the following inaccurate entry ( XXXX ) or erroneous collections : [ XXXX XXXX XXXX {$3900.00} ] [ XXXX XXXX XXXX {$1600.00} ] [ XXXX XXXX XXXX {$2100.00} ] [ XXXX XXXX XXXXXXXX {$950.00} ] [ XXXX XXXX XXXX XXXX XXXX {$300.00} ] Pursuant to 15 U.S. Code 1681 ( o ), civil liability is applicable for negligent noncompliance. The reporting of inaccurate information on my credit file constitutes negligence and a failure to meet compliance standards under the FCRA. As a consumer, I have the right to ensure my credit report reflects accurate and verifiable information.

I request a thorough investigation into this matter and ask that you : 1. Provide verification of the accuracy of the information from the original creditor.

2. Remove or correct the disputed item ( s ) if you can not verify their accuracy.

3. Provide me with a written statement detailing the outcome of your investigation.

The inclusion of unverified or inaccurate information on my credit report has caused undue harm, including [ explain briefly, e.g., denial of credit, increased interest rates, emotional distress ]. I am prepared to escalate this matter further should this dispute not be resolved promptly and in compliance with the FCRA.

Please respond to this dispute within the 30-day timeframe as required by law. I expect the inaccurate information to be either verified, corrected, or removed from my credit file.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the resolution. Should you have any questions or require additional information, please feel free to contact me at the details listed above. 

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

Complaint narrative:
Experian is inaccurately reporting things on my credit report, showing old account not properly investigating accounts showing multiple discrepancies.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously filed disputes with Experian, XXXX and XXXX to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.

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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXsomeone attempted to get a loan on my credit file XXXX XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year> someone attempted to get a loan with my credit file XXXX XXXX ON XX/XX/XXXX someone attempted to use my credit fine again for a loan XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX attempted to get a loan on my credit file XXXX XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXXL XXXX CXXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX XXXX XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX On XX/XX/year> someone attempted to get a loan on my credit file XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: UT

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. 
The lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to fulfill it's legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) had 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 despite the evidence I provided, causing ongoing harm to my credit standing. Iam requesting immediate corrective actions 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 2025-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have notified Experian that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the CFPB have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Experian to remove the following ( 3 ) inaccurate, unverifiable, fraudulent inquiries from my report. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Notice of Identity Theft and Request for Removal of Fraudulent Accounts Dear EXPERIAN, I am writing to formally notify you that I am a victim of identity theft and to request that you take immediate action to block and remove the following accounts from my credit report. Additionally, my personal information was compromised in the XXXX data breach, further exacerbating my situation. 

The accounts that require immediate attention are as follows : 1. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX  ] Date Opened : [ XX/XX/XXXX ] 2. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX ] Date Opened : [ XX/XX/XXXX ] 3. [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] 4. [ XXXX XXXX XXXX ] INQUIRY XXXX 5. [ XXXX XXXX XXXX ] INQUIRY XXXX 6. [ XXXX XXXX XXXX ] INQUIRY XXXX 7. [ XXXX XXXX ] INQUIRY XXXX 8. [ XXXX XXXX ] INQUIRY XXXX 9. [ XXXX XXXX XXXX ] INQUIRY XXXX 10. [ XXXX XXXX XXXX XXXX 11. [ XXXX XXXX ] INQUIRY XXXX 12. [ XXXX XXXX ] INQUIRY XXXX 13. [ XXXX ] INQUIRY XXXX 14. [ XXXX XXXX XXXX ] INQUIRY XXXX 15. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX 16. [ XXXX XXXX XXXX XXXX ] XXXX XXXX 17. [ XXXX XXXX XXXX ] INQUIRY XXXX 18. [ XXXX XXXX XXXX ] INQUIRY XXXX 19. [ XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX 20. [ XXXX XXXX ] INQUIRY XXXX 21. [ XXXX XXXX XXXX XXXX XXXX XXXX ] INQUIRY XXXX 22. [ XXXX XXXX XXXX ] INQUIRY XXXX 23. [ XXXX XXXX XXXX ] INQUIRY XXXX 24. [ XXXX XXXX XXXX XXXX XXXX XXXX ] INQUIRY XXXX 25. [ XXXX XXXX XXXX ] XXXX XXXX 26. [ XXXX XXXX XXXX XXXX XXXX 27. [ XXXX XXXX XXXX ] INQUIRY XXXX 28. [ XXXX XXXX XXXX ] INQUIRY XXXX 29. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX 30. [ XXXX XXXX ] INQUIRY XXXX I have taken the necessary steps to report the identity theft to the Federal Trade Commission ( FTC ), and I have also filed a police report regarding this matter. A copy of the police report and the FTC Identity Theft Affidavit are enclosed with this letter for your reference. 

Please block and remove these fraudulent accounts from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I would appreciate your prompt attention to this matter and request that you confirm in writing once the accounts have been blocked. 

Thank you for your immediate attention to this serious issue. Should you need any further information, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Threatening to sue me over a debt from back in 2012 about a credit card that I did not use or make charges on

Company response to consumer: Closed with explanation