vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
My credit card monitoring service alerted me that my information was found on the dark web. Immediately after, I had several fraudulent attempts to obtain credit and alternative lending in my name. As a result, I signed up for the Experian XXXX XXXX membership to monitor, lock, and protect my credit. On XX/XX/year>, I received an email from Experian saying that my profile information had recently been changed. At the same time, I received a separate email confirming that my membership had been cancelled. The email said to email XXXX if I did not initiate the change. I also tried logging into my account, but my password didn't work. I was able to sign in to the app with biometrics. I could see that the email address and phone number had been changed. I tried changing them back, but was unable to do so because it is set to 2-factor verify using the fraudulent email and phone. I emailed membership support and after several back and forths, I was told to fax a copy of my drivers license, a current utility bill, and a copy of my social security card to Experian Consumer Affairs at XXXX. The email stated that once the information was received, they would remove the membership account. On XX/XX/year>, I faxed the requested information along with the case number and a description of the issue. I did not get any confirmation that the information was received, and I am still able to log into the account on the app via biometrics so I can see that it has not been shut down. 

I have since emailed membership support asking for a status but all they can tell me is that the process takes up to 7 days, which we are well beyond, and it comes from their Consumer Affairs department and is out of membership support jurisdiction. I am also unable to reach them by phone as I am put through an automated prescreen that does not accept my information. 

I am concerned over the fact that my account has not been shut down, allowing the identity thieves to continue to have full access to my credit file, account information, and control over locking and unlocking my credit. Experian Consumer Affairs has been completely silent regarding my case. I am also concerned over how my Experian membership was able to be hacked into, the lack of any XXXX factor verifications that should have taken place to prevent this, and the fact that the very service I paid to protect me was compromised with no follow up support or assistance. I also continue to be billed for this membership despite getting an email that it was cancelled.

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 2025-01-21 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Payments were made and fraud claim services opened a file on payment of XXXX waiting for refund upon from the consumer or institution

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 2025-01-21 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:
Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o.

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

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 non-monetary relief
Consumer complaint received 2025-01-21 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:
Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report.

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items.

A written explanation of the actions you have taken to resolve this issue.

Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner.

I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter.

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

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

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 2025-01-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

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

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX XXXX XXXX on their site XXXX XXXX XXXXXXXX for the total amount of XXXX XXXXXXXX amount was financed through Affirm Inc through XXXX XXXX XXXXXXXX XXXX Payments XXXX of Payments XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Merchant was unable to deliver the order to my address and the delivery was cancelled. 
On XXXX, XX/XX/XXXX merchant confirmed cancellation by email and informed that a full refund will be issued in 3-10 business days. *Free returns and free shipping is also the policy I agreed to when I placed an order Since this has not been reflected on my Affirm account, on XX/XX/XXXX I opened a dispute with Affirm regarding the loan. 
On XX/XX/XXXX send me an email denying my dispute because " Affirm lacks sufficient evidence from the merchant '' suggesting that I should resolve issue directly with merchant I have attemptedto contact XXXX XXXX XXXX but did not hear backfrom them. 
XXXX XXXX XXXX failed to take necessary action to verifywith their financingpartner that the order was cancelled before delivery Affirm Inc failed to verify that I actually owe the debt they are trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

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. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 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 2025-01-21 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: MI

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. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-21 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: Experian Information Solutions Inc.
State: MI

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. 
Account name : XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Company : National Credit System , Inc Date : XXXX XXXX Problem : The above debt collection agency report a debt to a credit report agency without sending me any written communication to inform me about debt they accrued, nor did the original owner of the debt ever notify me of the debt. I found out about the debt from when it appeared on my credit report on Sunday, XX/XX/year>. However, according to the Consumer Finance Protection Bureau ( CFPB ) by law a consumer has a right to validate the debt, if in fact the debt is true. The consumer also has a right to pay or/and settle the debt before reporting it to a credit bureau, but National Credit System and the original debt owner violated my rights by not informing of the debt. Furthermore, by law the debt collection agency must give the consumer time to do all this, which they didnt. Likewise, the debt collection agency must not report inaccurate information, which is against the law. Providing credit bureau false information, and not properly doing their due diligence according to the CFPB is all illegal and the credit bureau reporting the information with these inaccuracies is also unlawful and it will be reported to The Federal Trade Commission ( FTC ) for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit report, score is not showing up to lenders. I have called and was told to send my ID, Social card and ID.I have supplied the information and the problem has not been fixed in a timely mattier.

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 2025-01-21 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:
Late XX/XX/year> between XXXX, I entered a raffle on XXXX for XXXX XXXXhance to win XXXX pairs of brand new XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sneakers from a high following sneaker seller named XXXX aka XXXX XXXX XXXX The raffle instructions stated that XXXX lucky supporters would be chosen to win XXXX pairs of sneakers for {$200.00}, stating sneakers resell value at {$2000.00} each pair, I entered & was contacted be seller through direct message on XXXX confirming my win and stating I had to send the {$200.00} through Zelle, after he confirmed cash deposit, he would ship the sneakers to my address. I was in complete excitement I had won & the seller had videos & reviews on his page which I concluded he was a legit seller. I sent the {$200.00} through Zelle after creating an account & he confirmed receipt AFTER he confirmed he stated he did forgot to include shipping cost & I would have to send another {$95.00} due my address being in XXXX & he was located in the XXXX, I replied that shipping cost was never mentioned and rejected the additional amount and asked for a refund, he stopped responding, I contacted Zelle about the scam, they said to contact my bank first because it was a wire transfer & my bank should reimburse me, I contacted my bank, I submitted a refund request explaining the scam and I didn't receive the merchandise promised, they contacted me a few days later through email stating they would not reimburse me even though it was a scam I intentionally send the money to the Zelle account therefore I was reasonable and could not be refunded, the bank said to contact Zelle for the refund since I sent the money through them. I contacted Zelle again asking if they could contact the individual that scammed me using their service, a few days later I received an email stating they apologized for the loss, but once the money was exchanged there was nothing they could do and my bank would have to reimburse me since it was fraudulent. I was scammed {$200.00} and my bank nor Zelle refused to help retrieve my lost funds. I contacted XXXX and notified them I was scammed by the other account, by the next day or two the account was deleted or suspended, but when I tried contacting the Individual again the account was closed.

Company response to consumer: Closed with explanation