vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Complaint Details : Debt Collector Name : AARS Original Creditor : Net Credit Current Owner of the Debt : XXXX XXXX XXXX Issue Summary : I am filing this complaint because XXXX has engaged in repeated and harassing behavior in their attempts to collect a debt. They have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by : 1. Harassing Communications : XXXX has been contacting me from multiple different phone numbers at all hours of the day, including via text messages. 
They have left voicemails with threatening language, such as moving the case and verifying employment information. 
2. Unlawful Third-Party Contact : XXXX has contacted my partner ( we are not married ), his family, my family, and my workplace without my consent. 
I never provided permission for them to contact third parties regarding this debt. 
3. Failure to Provide Debt Verification : The debt was originally with XXXX XXXX, sold to XXXX XXXX XXXX, and is now being pursued by XXXX. Despite these changes, I have not received proper documentation or verification of the debt. 

Impact on Me : The harassment and third-party contact have caused significant stress and embarrassment. 
The voicemail threats have made me fear for my personal and professional reputation. 



Supporting Evidence : Call logs showing the frequency and times of their calls. 
Voicemails or text messages left by XXXX. 
Statements from my partner, family, or workplace regarding their contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
I sent in dispute letters requesting these items be removed under Section 611 ( 5 ) ( A ) of the FCRA and promptly DELETION of all information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & XXXX ) credit report and noticed some late payments posted on my credit report. 
Account # XXXX ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally request that XXXX block and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter. 

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report. 
Block any associated inquiries or collections tied to these accounts. 

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

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 2025-01-28 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally request that XXXX block and remove fraudulent, inaccurate, and false information from my consumer credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is the result of identity theft report numberXXXX fraud that have caused serious inaccuracies in my credit report. 

The fraudulent accounts and details in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts and inquiries were not authorized, opened, or made by me. They are fraudulent and were initiated by an identity thief. I have attached a copy of the FTC Identity Theft Criminal Complaint ( # [ Insert FTC Case Number ] ) as evidence of the fraud. 

These fraudulent accounts have resulted in inaccurate negative information on my credit report, leading to financial and reputational damage. As per FCRA 605B, I am entitled to have this information blocked and removed within four business days of your receipt of this letter. 

In addition to the FTC complaint, I have included supporting documentation confirming these accounts and inquiries are the result of identity theft. I request that you : Remove all fraudulent accounts from my credit report. 
Block any associated inquiries or collections tied to these accounts. 

Failure to comply with this request may result in legal action, including statutory damages and recovery of costs as outlined under the FCRA. 

Please confirm receipt of this request and provide me with a timeline for resolution. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Follow-Up Dispute Unauthorized complaint # XXXX Hard Inquiries ( Failure to Provide Proof of Permissible Purpose ) Dear Equifax Disputes Department, I am following up on my previous dispute regarding multiple unauthorized hard inquiries appearing on my Equifax credit report. Despite my request for documented proof of permissible purpose, your response merely reiterated that these inquiries are a factual record of file access. This generic response fails to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which explicitly states that a company must have a legitimate, documented reason to access my credit file. 

The following entities have conducted unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that Equifax immediately provide the specific documentation each of these entities provided, including the exact permissible purpose they claimed under the FCRA. If Equifax can not furnish such documentation, you are legally obligated to delete these inquiries under 15 U.S.C. 1681i as unverifiable and inaccurate information. 

Failure to Comply Will Result in Legal Action If Equifax does not fully investigate this matter and continues to report these inquiries without verifiable proof of permissible purpose, I will have no choice but to : 1. File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with federal consumer protection laws. 


2. Initiate legal action for willful or negligent noncompliance with the FCRA under 15 U.S.C. 1681n and 1681o, which entitles me to statutory damages, actual damages, and attorneys fees. 


3. Seek injunctive relief to compel Equifax to remove the unauthorized inquiries through a formal lawsuit. 



I expect a substantive response within 30 days, including either verifiable documentation of permissible purpose or the immediate deletion of these inquiries from my credit report. Failure to do so will escalate this matter legally. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: OR

Complaint narrative:
I was contacted about a debt. I asked them to send me debt validation on XX/XX/XXXX as of this date XX/XX/XXXX I have not received any debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Child Support Reporting on Credit Report I am writing to formally dispute the reporting of child support obligations on my credit report. I have reviewed my credit report and found that OFFICE OF THE ATTY GEN child. According to the Fair Credit Reporting Act ( FCRA ), child support payments and obligations should not be reported on consumer credit reports unless they are a result of a judgment or a collection account. Child support is typically not considered a debt that can be placed on a credit report. It is a legal obligation, and while nonpayment can lead to other legal consequences, it does not meet the criteria to be reflected on a credit report in the same manner as traditional credit accounts or loans. I respectfully request that you remove any and all references to child support from my credit report. If this entry was made in error or without proper legal documentation, I ask that it be corrected immediately in accordance with FCRA guidelines. Please confirm receipt of this dispute and provide an update on the status of this matter. I appreciate your prompt attention to this issue and request that you inform me of your findings within the time frame established by law. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against XXXX for Violating FCRA ProvisionsDear CFPB, I am writing to file a formal complaint against XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite my repeated efforts to dispute inaccuracies on my credit report, XXXX has not conducted proper investigations into these disputes. I have sent multiple letters detailing my concerns, yet XXXX has failed to provide satisfactory responses or correct the errors as required by federal law.Additionally, I recently learned about the CFPB 's lawsuit against XXXX for similar violations, including conducting sham investigations and failing to remove or reinsert errors on credit reports. This raises significant concerns about their practices and their impact on consumers like myself, affecting our access to credit, employment, and housing.I request that the CFPB investigate my complaint against XXXX and take appropriate action to ensure they comply with the FCRA. I am attaching copies of my correspondence with XXXX as evidence of my attempts to resolve these issues.Thank you for your attention to this matter. I look forward to your prompt response. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NJ

Complaint narrative:
I believe my Equifax file has been split as it is not accessible in the front door method and over 7 accounts are completely missing including one that was current and opened in XXXX. 

They refuse to investigate if there are multiple files and until I started disputing that they hadn't updated their records since XX/XX/XXXX most of my information was out of date. 

I've attached a list of account information here from XXXX where it is properly reporting correctly. I ask YET AGAIN that Equifax look for multiple files under my name, properly report my credit reports and make them accessible to both myself and lendors. 

Also Equifax - I'm not going away. I will continue to file reports until you FIX THIS. 

It's abhorrent that every time I log in to try to get a copy of my credit report I get an error message and an option to pay money. Pay money for WHAT exactly? Per your own software my credit hasn't been updated since XXXX. I believe that trying to charge for a known faulty product is not in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
1681 o for negligence and and for civil liability not conpliance as well as selling my information to a 3rd party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: IN

Complaint narrative:
Ive had my car since XX/XX/XXXX with XXXX as the balance which is hindering me and moving forward, I went into the dealership XX/XX/XXXX because, I needed to make a payment. I ask the dealership if, I could get a copy of my original Bill of sell. They couldnt find my car information in the system and ask me if was I sure I purchased the vehicle from there, ( red flag ) ( Carmax ) I gave seller my purchase date. Then the dealer proceeded looking into the system. When she finally printed the Original Bill of Sale nervously. I noticed my signature was forged on the paperwork. I also made a XXXX down payment on the vehicle when I purchased the vehicle in XXXX of XXXX! A XXXX XXXX XXXX, ( used ). I was mislead and was taking advantage of. Since then, Ive spoke with them asking the dealership if they could clear my debt or send me the car title. Due to the fraudulent activity on my account. Ive noticed they fraudulently signed my signature. I didnt need a down payment, my credit was fair! they took my down payment as collateral for the sales men. as hes telling me, it would be best to do so, the seller was ( XXXX XXXX XXXX ) CARMAX AUTO has been scamming young people like myself which has caused a great deal of stress. according to 15-USC-1635a, . I would like to exercise my to Rights to rescind regarding this matter. UCC1-308 C/o XXXX XXXX XXXX w/o prejudice in good faith

Company response to consumer: Closed with explanation