vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
I received an email from XXXX XXXX in XX/XX/year>, congratulating me on paying off my collection account with receivables Management Systems. When I reviewed my XXXX report it showed a collection account for XXXX XXXX for {$610.00}. I disputed it and XXXX stated it was valid. I have received 2 correspondence from them XXXX and XX/XX/year>. I have spoken with them on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 

I was told on each call that the last four of the social was correct but the date of birth did not match. Which they stated it would have to be elevated to the dispute department and someone would call me back. I never received a callback. The last call I made to them I was informed they could not speak to me because they could not verify me due to the different birth date. I informed them this account was a result of identity theft and I filed a police report. They would not transfer me to a manager. 

I have never received any correspondence from this collection agency until after I filed a dispute with XXXX and they are making it impossible to resolve because they can not validate me with my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 


Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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 2025-02-24 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: AL

Complaint narrative:
I have never signed or entered any agreement with XXXX Account XXXX. Please delete this inaccurate information from my Credit Report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-23 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: FL

Complaint narrative:
I called Equifax regarding unauthorized inquiries on my credit report and that I wanted to have them removed which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was a victim of identity theft and data breach and would like to have these accounts removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( An FTC REPORT ONLY ALLOWS TO ADD XXXX inquiries, and there are more than XXXX fraudulent and unverified accounts being reported.

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 2025-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I didnt create these accounts. And some how they closed on me but I never knew I had the accounts. This is hurting my credit and I would like to get this resolved

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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
I filed about this in last couple weeks with yous. I wanted to inform yous about the letter i got from charles schwab about a transfer of money out of my checking account i believe it was not my savings account with them for XXXX dollars made by XXXX. I explained to yous and Charles Schwaab that i didnt authorize the transfers of money that XXXX XXXX this on their own fraudulently taking XXXX dollars out of my account for no reason at all without permission. Schwab says its shows as if i authorized this transfer of money and their believing the lies and manipulation of facts in this transfer. It wasnt me. Now Charles Schwaab should honor their policy because they have insurance covering peoples money for this type of thing. Sure if robinhood forged and manipulates things acting like i approved this transfer it might look like this but its totally untrue! Charles Schwab just dont wan na stick by their policy their promise and guarantee protecting a persons money. They need to address this along with the other issues ive had with them and replace the several hundreds of dollars they charged me in overdraft fees. I figure they owe me close to XXXX dollars because of this reason. I thought i had enough mney in account to make purchases because i made deposits that then showed in my balance as if i had that money then and now misleading me to believe that but in reality had the money on hold until they receive it from bank. They shouldnt do this its very misleading and they do this on purpose so they can charge extra fees its not right it shouldnt reflect in balance until transfers clear then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
What Happened? 
I am filing this complaint against Equifax due to their failure to properly investigate and correct inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute with supporting documentation, Equifax has continued reporting inaccurate and unverifiable information, which is negatively affecting my credit profile. 

I formally disputed the following accounts with Equifax, requesting the removal of fraudulent accounts and inaccurate late payments : XXXX XXXX XXXX XXXXXXXX The late payments associated with this account are inaccurate. An investigation will prove the inaccuracy. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are incorrect. An investigation will prove their inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX This is a fraudulent account resulting from identity theft. An identity theft affidavit has been submitted, and I demand its immediate removal. 
XXXX - XXXX The late payments on this account are inaccurate. An investigation will prove their inaccuracy. I request the removal of negative payment history while keeping the account open. 
XXXX - XXXX The late payments associated with this account are incorrect. An investigation will prove inaccuracy. I request their removal while keeping the account open. 
XXXX - XXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX payments on this account are incorrect. An investigation will prove their inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX - XXXX ( Duplicate Entry ) This fraudulent account resulted from identity theft. An identity theft affidavit has been filed, and I demand its immediate removal. 
Despite citing multiple FCRA violations, Equifax has failed to : Conduct a proper investigation as required by Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

Verify the accuracy of the disputed accounts.

Ensure compliance with Metro 2 reporting standards. 
Remove unverifiable or fraudulent accounts. 
If Equifax does not delete these inaccurate items, I intend to escalate this matter further, as their failure to comply with federal laws has had a detrimental impact on my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-23 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:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems for their unfair and deceptive debt collection practices. They are attempting to collect a debt of {$4100.00} that they claim I owe to XXXX. However, I have never done business with XXXX and have no knowledge of this alleged debt. 

To verify the legitimacy of this claim, I sent multiple certified letters to Jefferson Capital Systems requesting : 1- Documentation proving they are authorized to collect this debt on behalf of XXXX. 
2- A signed agreement that allegedly obligates me to pay this debt. 
3- A complete payment history validating the accuracy of the amount they claim I owe. 

Despite receiving my letters ( as evidenced by the attached USPS tracking numbers confirming delivery ), Jefferson Capital Systems has failed to provide any of the requested documentation. Instead, they continue to harass me with repeated collection attempts in what appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

It is evident that Jefferson Capital Systems purchased this debt for pennies on the dollar and is now attempting to collect without proper verification. Their refusal to validate the debt while continuing collection attempts constitutes deceptive and unlawful behavior. 

I request that the CFPB investigate Jefferson Capital Systems actions and hold them accountable for violating consumer protection laws. Additionally, I ask that they cease all collection attempts and remove any related reporting from my credit file if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has hid XXXX collection removals on XX/XX/year> XXXX XXXX amount {$970.00}. 
XXXX XXXX amount {$470.00}. 
As closed account not collections this is not te first time I've tried removing it and couldn't understand Why they reappeared as new collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. This account, identified as [ Account Number ], does not belong to me, and I have no knowledge or involvement with it in any way. It is negatively impacting my credit score, which is severely affecting my ability to obtain the necessary financial resources to improve my quality of life.

As you may be aware, the presence of inaccurate or fraudulent information on my credit report is not only damaging to my credit score but is also preventing me from securing loans, credit, and even certain housing opportunities. This is creating significant hardship and frustration in my personal and professional life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief