vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of all unverifiable, inaccurate, and incomplete accounts from my credit report. As a consumer, I assert my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit profile. 

Specifically, I demand the deletion of all accounts that meet the following criteria : Unverifiable : Accounts that can not be verified through proper documentation and investigation. 
Inaccurate : Accounts that contain errors, whether in the amount owed, the status, or any other details. 
Incomplete : Accounts that are missing vital information or context required to be considered valid. 
These accounts have been previously disputed, but were reinserted into my report without a proper investigation or adherence to FCRA guidelines. Their continued presence negatively impacts my creditworthiness, which is both unfair and unlawful. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The CFPB alleges that XXXX failed to adequately investigate consumer disputes and reinserts previously deleted accounts without complying with FCRA regulations. Such practices are unacceptable and demonstrate a disregard for consumer rights. 

As a consumer, I have the right to : Accurate Information : My credit report must contain only accurate, verifiable information. 
Proper Dispute Resolution : XXXX is required to conduct a reasonable investigation into disputed items and provide me with the results. 
Proper Reinsertion Process : If any previously deleted account is reinserted, I must be notified, and the source of the new information must be disclosed. 
Therefore, I demand that XXXX  : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report.

Conduct a thorough investigation into all disputed items and provide me with the results in writing.

Provide written confirmation of all actions taken, including an explanation for any changes made to my credit report. 
Ensure all future actions comply fully with the regulations outlined under the FCRA. 
I expect a prompt and satisfactory resolution to this matter. If my request is not addressed within 30 days, I will be forced to consider further legal action to protect my rights. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 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: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 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 explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am disputing a debt with SECURITY CREDIT SERVIC - XXXX and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that SECURITY CREDIT SERVIC - XXXX has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that XXXX XXXX XXXX provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
My fianc and I recently became engaged, we opened a Joint checking account with KeyBank to cover our wedding expenses. My father XXXX XXXX wrote us a check for {$10000.00} to go towards our wedding expenses out of his Business account ( XXXX XXXX of XXXX ) out of a cornerstone XXXX account. I deposited the check at the KeyBank branch located on XXXX XXXX in XXXX XXXX on XX/XX/year>. We learned on XX/XX/year> that we were unable to access our accounts due to there being a fraud alert on our joint account. We went to the branch and they told us it was due to the handwriting on the check my father wrote. It has been 21 days ( at the time of me making this complaint ) and they have not offered us any new updates on when we will have access to our accounts. They froze our joint account and all of our separate personal accounts as well. When attempting to collect more information on our pending case we can not get a straight answer from anyone. Weve tried working with employees at this branch, and we tried contacting Key banks fraud department and nobody can give us any real information. Since they have frozen our accounts my Fiance and I have our had our financial lives put on absolute hold. We are struggling to pay our bills and make ends meet due to not having easy access to our financials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
They have called prior to XXXX ( Have voicemails with time stamps as proof ) Instances that occurred XX/XX/year>, XX/XX/year> and the payment is 1 day late they are not following XXXX XXXX and allowing 10 days for mailing time of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
My name is XXXX XXXX last XXXX of my social : XXXX On XX/XX/year>, I paid Resurgent Capital Service 's LLP phone # XXXX, account # XXXX a payment of {$560.00} in which they haven't updated on their website as paid, not have they kept up with their agreement to report positive payment to the credit bureau 's for that payment they were collecting on from my an old XXXX  XXXX Account XXXX. Also, XXXX XXXX is still reporting to the credit bureau that I still have an outstanding debt with them, despite that they claim that they closed that account. I've called Resurgent Capital Service 's LLP several times for them to correct this problem by updating that I did pay it and also to update the payment on my credit report and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>23. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the 3 credit bureaus which is inaccurate. Equifax shows 30 days late. I have a loan with XXXX XXXX that started on XXXX/XXXX/23. However, the amounts owed are different from XXXX XXXX on all 3 bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed upon immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Re : Complaint Regarding Failure of Experian to Investigate a Dispute under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their failure to properly investigate and resolve a dispute I submitted under the Fair Credit Reporting Act ( FCRA ). Despite providing all necessary documentation and clearly disputing inaccurate information on my credit report, Experian has not complied with their obligations under federal law. 

I am disputing a collection account reported by XXXX XXXX XXXXXX/XX/XXXX, with the account number XXXX and a reported balance of {$700.00}. On XX/XX/scrub> 2025, I submitted a dispute to Experian, stating that I do not recognize this debt and requesting that they provide validation of the debt or remove the inaccurate account from my credit report. However, despite the FCRAs explicit requirement that credit reporting agencies conduct a reasonable investigation, Experian has failed to verify the information or provide any resolution. 

According to the FCRA ( Section 1681i ), Experian, as a credit reporting agency, is required to : 1. Conduct a reasonable investigation of a dispute within 30 days of receiving the dispute notice. 
2. Provide the consumer with a written statement of the results of the investigation, which includes a summary of the evidence reviewed.

3. Correct or delete inaccurate information that can not be properly verified during the investigation.

4. Not report any information that can not be verified within the required time frame. 

In my case, Experian has failed to fulfill these obligations and has continued to report the inaccurate collection account without proper validation or investigation. Their actions are a violation of the FCRA and have resulted in harm to my credit profile and financial standing. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA and corrects any inaccuracies related to this dispute. Additionally, I seek confirmation that Experian will promptly complete a proper investigation in line with the law and provide me with the required documentation regarding their findings. 

Please find attached copies of my dispute letter to Experian and my credit report showing the disputed XXXX XXXX XXXX XX/XX/XXXX collection account. 

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld. 

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Overdraft fees even tho the was there on my end. Charges showing up late also causing extra overdraft fees. Its an endless battle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX, XXXX, TransUnion and XXXX XXXX XXXX XXXX consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand. 
Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand. 
At the time of received payment this letter will become a general release of all claims herein. 

Kind regards,

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 2025-01-16 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. 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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CO

Complaint narrative:
i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of of the recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle numerous times and reporting discrepancies, my financial 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 CFPBs findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: The CBE Group, Inc.
State: CA

Complaint narrative:
Cfbp has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate corrective action to remove or amend the disputed accounts. As XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: Financial Credit Network Inc
State: CA

Complaint narrative:
Cfbp has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate corrective action to remove or amend the disputed accounts. As XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I had concerns about the way Zelle handles disputes. The recent lawsuit by CFPB, confirmed the concerns I had. After using Zelle many times and reporting some discrepancies, I was told by my financial intuition and Zelle that they wouldnt investigate because it was shown I had sent the money myself even. They acted like they couldnt recover my lost funds or Track any transactions. They allowed for the system to be exploited and neglected to protect customers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The XXXX app i would sent money to my family but they would tell me they didnt get it so im loosing money i never getting that money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
XX/XX/XXXX{$340.00} XX/XX/XXXX XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$14000.00} XX/XX/XXXXXX/XX/XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief