vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: VA

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. 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 2025-01-26 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: AZ

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to a problem with XXXX XXXX XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting car. XXXX violates my rights as a consumer, as well as federal laws.

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 2025-01-26 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: NY

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

This is the account I have marked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: NY

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

This is the account I have marked as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and bring to your immediate attention several inaccuracies and inconsistencies in the negative items being reported across my credit report. As a credit bureau, it is your legal and ethical obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported on my credit file is accurate, complete, and verifiable. 

However, based on the data provided below, you are falsely reporting negative items that are inaccurate and inconsistent across the three major credit bureausXXXX XXXXXXXX, and Equifax. This lack of accuracy raises serious concerns about your credibility and the effectiveness of your processes for ensuring compliance with federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute and bring to your immediate attention several inaccuracies and inconsistencies in the negative items being reported across my credit report. As a credit bureau, it is your legal and ethical obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported on my credit file is accurate, complete, and verifiable.

However, based on the data provided below, you are falsely reporting negative items that are inaccurate and inconsistent across the three major credit bureausXXXX Experian, and XXXX. This lack of accuracy raises serious concerns about your credibility and the effectiveness of your processes for ensuring compliance with federal laws.

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 2025-01-26 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: LA

Complaint narrative:
XXXX is reporting obsolete and inaccurate information information on my credit report such as High balance- not the same on all 3 bureaus Last verified date- not the same on all 3 bureaus Date of last activity- not the same on all. 3 bureaus Date opened- not the same on all 3 bureaus Late payment- not the same on all 3 bureaus Account type- not the same on all 3 bureaus Credit limit- not the same on all 3 bureaus Late payments reflecting on all 3 bureaus

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have reported unknown accounts on my credit over and over and nothing has been resolved. The credit bureau has repeatedly denied my claims. I do believe a fair investigation has not been conducted. There is an account on my credit that I have not authorized and have no known knowledge of and been trying to report for some time now. No letters have been sent out to me or an investigator has not reach out in regards to this claim. Resulting in an account still being attached to my credit file. When I try to reach out, I am being told that theres nothing that can be done.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I requested that validation three times as well as disputed this on my credit reports this company states that my name is XXXX XXXX that has never been my name nor have I ever lived at that address. I have asked them to show me proof where I signed any document for this question account. All they say is they have valid proof when I requested the debt validation they sent the paperwork to be in the name of the reference name above, which is not my name I asked them to show me a physical signature. I asked them to show me proof like my physical ID or something because the names do not match mine I am just asking them to remove this for my credit report as it is hindering my report this is false information and if they do not remove it, I will be forced to file a lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
This debt collector Caine and Weiner sent threatening correspondence in reference to a debt that I do not owe. I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. Which is a gross violation of my consumer rights. 

As per : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

Per the XXXX XXXX access database and XXXX XXXX XXXX  Caine and Weiner is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account blocked from my credit report. This has the potential to hinder my ability to obtain credit and lease/mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian '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 against them for similar violations. I'm requesting that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Received an email about debt, but no court docs saying the debt was going up for garnishment. Never received any garnishment documents to resolve the issue. Contacted Midland by phone and the representative said I can view all information online about what Attorney office has the debt. No information was found. Called back and got transferred and was told the website is having issues and wait 48 hrs and it should show up. Waited 48 hours and still no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
have identified information on my report that are result of identity theft these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
I asked Global lending Services to Provide me with the Original Accounting, UCC 9-210, I was and have been ignored, 15 U.S.C 1501 for the past few years, I sent a Cease and Desist Letter to the Company, XXXX XXXX, XXXX U.S.C Documentary Evidence, Required for Government Obligation, 18 U.S.C 894 , Collection of extension of credit by extortionate means, Global Lending Services is a Financial Institution and had a Obligation to Perform, I have a Equitable Interest in Promissory Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$2300.00}

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NJ

Complaint narrative:
Revco Solutions , Inc. mailed me a bill via postal mail. I never had any contracts with Revco Solutions , Inc. nor did I give this company my permission to contact me. I believe Revco Solutions , Inc. purchased my information from a XXXX XXXX XXXX XXXX XXXX. in which I did not give the XXXX XXXX XXXX XXXX XXXX permission to sell my information to Revco Solutions. Revco is a third party debt colection agency who is trying to collect a debt that I do not owe to them. Revco Solutions Inc and this XXXX XXXX XXXX XXXX XXXX has violated my privacy under 15 USC 1681s-2 ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive tried over 10 times to get them to remove all the incorrect information but yet they did not want to help me fix it. My name date of birth and adress is wrong on the reports. But they dont want to help me update it

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 2025-01-26 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: MD

Complaint narrative:
I have reported unknown accounts on my credit over and over and nothing has been resolved. The credit bureau has repeatedly denied my claims. I do believe a fair investigation has not been conducted. There is an account on my credit that I have not authorized and have no known knowledge of and been trying to report for some time now. No letters have been sent out to me or an investigator has not reach out in regards to this claim. Resulting in an account still being attached to my credit file. When I try to reach out, I am being told that theres nothing that can be done.

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 2025-01-26 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: MD

Complaint narrative:
I have reported unknown accounts on my credit over and over and nothing has been resolved. The credit bureau has repeatedly denied my claims. I do believe a fair investigation has not been conducted. There is an account on my credit that I have not authorized and have no known knowledge of and been trying to report for some time now. No letters have been sent out to me or an investigator has not reach out in regards to this claim. Resulting in an account still being attached to my credit file. When I try to reach out, I am being told that theres nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. I have never been late on my account : DEPT OF EDUCATION/XXXX ( 15 ACCOUNTS )

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 2025-01-27 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: TX

Complaint narrative:
I am writing to dispute the validity of the debt you claim I owe. You have violated the Fair Debt Collection Practices Act ( FDCPA ) in several ways. 

Specifically, you have : Used abusive or deceptive means to collect a debt. This includes using obscene language or making threats of violence or arrest.

Communicated with me at an inconvenient time or place. This includes calling me before XXXXXXXX XXXX XXXX XXXX XXXX XXXX. or calling me at work when I am not allowed to receive personal calls. 
Failed to provide me with validation of the debt. This includes failing to send me a written notice of the debt that includes the amount of the debt, the name of the original creditor, and the date of the last payment. 
Communicated with me about the debt after I have notified you in writing that I do not wish to be contacted. 
I demand that you cease all communication with me about this debt immediately. I also demand that you delete any and all records of this debt from your files. 

If you do not comply with my demands within 14 days, I will take legal action against you

Company response to consumer: Closed with non-monetary relief