vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding a dispute I initiated with Experian over 30 days ago concerning a XXXX XXXX account that is inaccurately reported on my credit report. There is no account number attached to it. Despite the statutory timeframes for resolving disputes under the Fair Credit Reporting Act ( FCRA ), Experian has failed to properly verify this account, and instead has relied solely on XXXX XXXX unverified assertions, without the proper legal documentation or validation required under the law. 
Legal Violations and Concerns : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under FCRA, Experian was required to conduct a reasonable investigation of my dispute and provide me with the results within 30 days. As of today, over 30 days have passed since I filed the dispute, and Experian has not fully validated the account in question in accordance with the legal requirements. They have failed to provide supporting documentation or verification directly from XXXX XXXX. 
Accuracy of Information 15 U.S.C. 1681e ( b ) : The FCRA mandates that credit reporting agencies, including Experian, must ensure the accuracy and completeness of the information they report. By relying on unverified information from Capital One, Experian has violated this provision. This information continues to appear inaccurately on my credit report, despite my dispute.

Failure to Verify 15 U.S.C. 1681i ( a ) ( 4 ) : When a dispute is filed, the credit reporting agency is required to either verify the account or delete the inaccurate information. The fact that Experian did not perform a complete investigation, nor provide verification from XXXX XXXX, is a violation of this statutory obligation. 
Right to Dispute 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to have my dispute investigated and resolved within 30 days, as stipulated by the FCRA. Experians failure to do so within the prescribed timeframe has caused unnecessary harm to my creditworthiness and is unlawful. 
The continued presence of inaccurate information on my credit report has significantly impacted my ability to secure housing and obtain other necessary services. This has placed an undue burden on my family, affecting our livelihood and financial well-being. We have faced difficulties finding a home due to the negative remarks on my credit report, and the situation is causing undue stress and hardship for all involved.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed an inaccurate account from XXXX XXXX XXXX ( Account # XXXX ) with Equifax XXXX requesting a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681i ( a ) ( 6 ) ( B ) ( iii ).

Equifax initially verified the account without providing details on how the verification was conducted, violating my rights under the FCRA.

I requested a description of the reinvestigation process, which Equifax failed to provide. 
XXXX removed this account from my report after conducting its own review, proving that the information is unreliable. 
Equifax and XXXX report conflicting information about this account, violating 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum accuracy. 
Equifax marked the account as disputed and in reinvestigation, yet no meaningful investigation was conducted. 
Equifax has failed to take corrective action despite clear evidence of inaccuracies in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been dealing with a lot of harassment. I couldnt figure out where the people harassing me where getting the information from On XXXX XXXX said they received a claim for damages done on a car I dont own anymore. The claim was for damages done on XX/XX/XXXX ( my husbands birthday 2 years ago ). This was not a legitimate claim and is fraudulent. I just couldnt figure out where the people harassing me got the info. Then I got smart and remember XXXX. I previously was a debt collector years ago and used the database with my previous employer. XXXX claims that XXXX an attorney in GA filed the claim. 

I called XXXX XXXX XXXX Solutions to find out if anyone has been running reports on me. This is what I found : PayPal ran my PERSONAL information on : XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times Then I thought to run my husbands too since the date of the claim was XX/XX/XXXX - his birthday 2 years ago. And low and behold look what we found : XX/XX/XXXX 2 times XX/XX/XXXX 2 times XX/XX/XXXX XXXX times XX/XX/XXXX 2 times And then because the harassment has been so bad and continuous in my life and I just couldnt understand why my predator knew so much about me, I conferenced my mother is as well and had her info run with XXXX XXXX Risk as well because she owns the house I live in, you wouldnt believe it : XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 2 times XXXX XXXX said that it was PayPal that ran it over and over and over again starting on the day of what I believe to be a fake claim with the intention to harass and upset me. 

There is no reason for PayPal to be running any of our information but especially that many time. I have to believe someone with this lawfirm XXXX  or at XXXX knows someone who works at PayPal. 

XXXX assured me it was the same user among all of our inquires, I am very upset that PayPal is running my information over and over again and the dates are just far too coincidental to the complaints I have filed about the XXXX claim. I filed with the GA State Bar Grievance for XXXX XXXX. And I filed with the Dept of Finance on XXXX. 

I feel this information was not used for the intended purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WY

Complaint narrative:
I XXXX XXXX XXXX was approved for a credit card on XX/XX/XXXX for a XXXX  XXXX Signature Credit card I used the digital wallet to make purchases on XXXX and was having issues with the digital wallet and also getting updated information in regards to me getting my actual credit card in the mail the emails was different than what was on the tracking status I called US Bank numerous of times one representative told me they couldnt find my account another one told me my account was locked for 48 hours to go over my transactions and I notified them that I was going to be making large purchases because I have just moved and for some reason I got locked out my account. And Im having to wait to get it unlocked I was never emailed to verify the purchases from the bank they just disabled my account.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital was removed, because it wasn't verified, now suddenly after the breach it reappears. This is double sabotage!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally file a complaint against Equifax regarding the failure to appropriately address and resolve a dispute concerning a XXXX XXXX account on my credit report. There is no account number attached to the credit report. 
It has been over 60 days since I disputed an account listed under XXXX XXXX with Equifax. Despite my formal request for verification of the account, XXXX  XXXX failed to legally verify the accuracy of the information as required by the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 1681s-2. Instead, Equifax accepted the information provided solely by XXXX XXXX without conducting a proper investigation, which violates my rights under the FCRA. 
The law requires that credit reporting agencies like Equifax verify the accuracy of any disputed item with the original creditor. This verification process must be thorough and consistent with the standards set forth in the law, including obtaining sufficient documentation to prove the accounts validity and its accuracy before reporting it as a negative item on my credit report. 
Fair Credit Reporting Act ( FCRA ), Section 1681i : This section mandates that when a consumer disputes an item on their credit report, the credit reporting agency must conduct a reasonable investigation. They are required to verify the accuracy of the disputed information, and if it can not be substantiated, the item must be removed from the report.

FCRA Section 1681s-2 : This section imposes an obligation on furnishers of information ( such as XXXX XXXX ) to ensure that they provide accurate data to credit reporting agencies. They must also investigate disputes and notify the agency of the results. 
Regulation Z of the Truth in Lending Act : This regulation requires that any disputed information, particularly regarding consumer credit, must be verified and validated if disputed. If a creditor can not provide proper verification, they must remove the item from the consumer 's credit report.

Equal Credit Opportunity Act ( ECOA ) : According to ECOA, inaccurate reporting of information that affects a consumers creditworthiness may result in discriminatory practices or unfair access to credit, which has directly impacted my ability to obtain housing for my family.

This situation has caused undue financial hardship and significant emotional distress for my family. The continued presence of inaccurate information on my credit report has led to multiple rejections for housing applications. This has caused significant disruption in our daily lives, limiting access to basic needs, and severely affecting our ability to secure a home. The negative impact on our credit is affecting our livelihood, and it has become increasingly difficult to secure housing due to these unjust remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
This morning, I noticed incorrect accounts appearing on my credit report, and I am unsure of the reason. I routinely check my report, but this time, I spotted inconsistencies that hadnt been there before. I even tried refreshing my browser, thinking it might be an error, but the inaccuracies remained. Due to this issue, I kindly ask for a detailed review of my submitted documents so I wont have to worry about this again.

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 2025-03-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
This is a supplemental filing to my original CFPB Complaint # XXXX. I am providing new evidence of contradictory statements and actions by R.A. Rogers , Inc. that occurred after their response to my initial complaint.

SUMMARY OF EVIDENCE CONFIRMING R.A. ROGERS ' CONTRADICTORY STATEMENTS The attached documentation provides conclusive evidence of contradictory representations by R.A. Rogers , Inc. regarding their collection activities on my account. This evidence directly challenges their XX/XX/year> statement to the CFPB that they were " no longer handling this account. '' The documentation demonstrates a clear timeline of their continued collection activities : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX R.A. Rogers sent me a formal collection letter on their letterhead regarding Account XXXX XXXXXXXX from XXXX XXXX XXXX XXXX. This letter : - Demands payment of the {$1100.00} balance - Instructs me to " contact our office at once to resolve this matter '' - Contains their standard debt collection disclosure : " This is an attempt to collect a debt by a debt collector '' - Is dated just 21 days before they informed the CFPB they were " no longer handling '' this account XX/XX/year> : R.A. Rogers informed the CFPB in response to my original complaint ( XXXX XXXXXXXX ) that they were " no longer handling this account. '' XX/XX/year> : Despite their prior statement to the CFPB, R.A. Rogers reported this same account to XXXX as an active collection with a balance of {$1100.00} ( as confirmed in my credit report ). 

This documentation establishes that R.A. Rogers made contradictory representations about their handling of this accountactively pursuing collection immediately before claiming to the CFPB they were no longer handling it, then resuming credit reporting activities afterward. This pattern suggests potential violations of 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. 

It is also important to note that despite my certified mail request for validation ( tracking XXXX XXXX ), R.A. Rogers has never provided the legally required validation of this alleged debt as mandated by 15 U.S.C. 1692g, yet they continue collection activities including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion regarding their failure to properly verify a disputed account from XXXX XXXX. Over 30 days ago, I submitted a dispute regarding this account, and TransUnion has failed to provide a legally required verification or substantiate the accuracy of the account in question. 

In violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate disputes and provide a resolution within 30 days, TransUnion has failed to meet the deadline for providing proper verification. Rather than conducting a thorough investigation, TransUnion relied solely on information provided by XXXX XXXX, which is not the party associated with the account in question, as the issuer of my credit card is XXXX Bank. This action is inconsistent with the standards for accurate and fair credit reporting as mandated under the FCRA. 

Further, this error is having a severe and negative impact on my familys financial stability and overall livelihood. The negative marks on my credit are creating significant obstacles for my family, particularly in our efforts to secure stable housing. The inability to remove these inaccurate reports is preventing us from obtaining a home, and this burden is exacerbating our financial difficulties. 

The failure of TransUnion to act in compliance with the law, especially regarding Section 609 ( a ) ( 1 ) ( A ) of the FCRA ( which gives consumers the right to have information removed from their credit reports if not verified ), is causing undue hardship. Despite XXXX Bank 's verification, I am requesting that TransUnion delete this account from my credit report in accordance with their obligations under the law, as the verification process has been faulty, and the account is adversely affecting my familys quality of life.

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 2025-03-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$5400.00}

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 2025-03-01 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: CA

Complaint narrative:
On XX/XX/year>. I looked at my credit and noticed some inaccuracies. I sent a letter to Transunion on XX/XX/year> asking them to investigate these accounts XXXX XXXX, XXXX XXXX. I sent it certified mailed here is my tracking number on XXXX XXXX XXXX XXXX XXXX XXXX, they sent me their investigation and said those are verified accurate. And according to 15 USC 1681 ( 5 ) I see it states after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, and item of the information is found to be inaccurate or incomplete or can not be verified. The credit Bureau did reinvestigate and violated my right.

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 2025-03-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested some disputes and I was told that they would investigate and get back with me to no avail my credit score was and is still dropping

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 2025-03-01 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: Zions Debt Holdings
State: MD

Complaint narrative:
XX/XX/XXXX - Letter sent requesting full validation in accordance with 12 CFR 1006.34c of debt including Full name and address of the current creditor Full name and address of original creditor Full account number of file for alleged debt Full name and address of alleged debtor Terms of assignment for the above referenced account. Please provide copies of the original documentation. 
Written confirmation of any insurance claims made by any creditor or assignee regarding this account ( or denial of the same ). 
Written confirmation of any tax deduction or other tax relief in conjunction with the alleged balance on this account. 
Copies of any signed documentation indicating my financial responsibility for the account listed above. Letter return by USPS undeliverable to address provided by Zions Debt on Credit Report. XX/XX/XXXX - XXXX XXXX sent to Zions Debt Holdings requesting validation of debt using address provided on XXXX and XXXX credit reports. Letter AGAIN returned by USPS as Undeliverable. XX/XX/XXXX Letter sent to Zions Debt Holding notification violation of 15 US Code SS 1006.30a by effectively parking a debt on my report without contacting me. To date, including the previous response provided via CFPB, Zions Debt Holding " continues to maliciously '' violate numerous sections of the US Code, FCRA, and FDCPA. Simply stating that a debt has been purchased without any proof is not validation of that debt nor proof of financial liability

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief