vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX. You did not con XXXX XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair CREDIT REPORTING ACT. Please Remove Immediately. date subjected ( XX/XX/year> )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$12000.00}, XXXX XXXX XXXX  XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$6300.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$640.00}, XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$90.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. XXXX XXXX.Inquiries : XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, Please remove these accounts from report, they are hurting my ability to obtain credit.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
An unauthorized line of credit was opened with XXXX XXXX. All of my information was used but I did not open the line myself. I asked that the account be closed and everything be wiped clear but I am still getting emails about account updates for an account I did not make and have no access to. I believe someone else has opened the line of credit and still has access to an account with all of my information including my social security number.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. 
XXXX  XXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off.

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Address of the Creditor, if available ] Subject : Request for Account Information Dear XXXX XXXX XXXX, I am writing regarding the account listed under the following details : Account Name : XXXXXXXX XXXX Account Number : XXXX Please note that I am not disputing this account. However, I am requesting clarification and additional information about the account for my records. Specifically, I would like the following : 1. The date of the first delinquency on the account.

2. The date of the last payment made toward the account.

3. The date the account was charged off.

Your assistance in providing this information will help me ensure that my records are accurate. I would appreciate your response at your earliest convenience. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
XXXX has failed to fulfill is legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverified accounts resolved the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting reasonable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience where Experian has neither corrected no removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am 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 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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that SYNCB/PAYPAL Credit Card is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Person called claiming to be a police officer, telling me that there is a citation that was sent to me in the mail that I didnt respond to, so now I have to pay the fine over the phone and set up a day to meet with the judge so that they can possibly dismiss this, but I had to pay him the fee over the phone right then and there. He said that Ill get my money back after the judge dismisses it, but I had to pay him right then and there. I was at work and asked if I could call him back and he said the deal is only available right now and if I disconnect the call then that would be a sign that I decline the deal and there would be a warrant out for my arrest, so I was basically threatened and coerced over the phone to pay the money via Zelle to the court clerk. The mans name was XXXX XXXX, and the clerk he made me Zelle {$1800.00} to was named XXXX XXXX, on XXXX. Of course I tried to get back in touch with the person and the court and found out it was a scam. I made several attempts to find a resolution to this. I contacted both XXXX XXXX and Early Warning to file complaints with both of them so they could freeze the fraudster and help me get my money back, but they both failed to do so. I hoped the companies would be able to find that XXXX XXXX account and shut her down, contact her bank and freeze her account, and help send me my money back. I would expect XXXX XXXX to do a XXXX check on XXXX XXXX when she opened up the account, and Im puzzled as to why couldnt they pursue their own customer and prosecute her for defrauding other people. As a follow up, I kept calling XXXX XXXX for resolution, but they sent me to Zelle ; then I would call Zelle and they would send me back to XXXX XXXX, I just kept getting bounced back and forth, neither able to help. They both prematurely closed the case before even conducting a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have never entered into any business relationship or agreement with this third-party collection agency. 
The alleged debt they are attempting to collect is unfamiliar to me and does not appear to be valid. 
I have not received sufficient documentation or verification of this debt despite requesting it ( if applicable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
I've received several emails from USAA to sign in to my account, that has been paid off for over two years, so I haven't done business with them since, but am getting emails for a document for me to retrieve funds, that can apparently only be accessed in my account that I haven't used for over two years and I found out that they deactivated the account since I haven't used it since, yet they said logging into my account is the only way to access the document. I contacted the USAA CEO office, a woman named XXXX said she would go ahead and mail out the document to my address, and when I never got one, she said she would mail out a second one. Then when still not receiving one, they started hanging up on me and telling me " too bad so sad ''. I filed a complaint with XXXX and I suddenly got a letter in the mail from a XXXX from USAA saying that he was looking into the issue. Yet, still no document mailed to me that was supposedly mailed twice but they could get that letter to me. I've called in several times after this and they just hang up on me. I've provided all information that is needed but they are still denying me access to retrieve my funds. This has gone on for about a year if not more now.

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 2025-01-25 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 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 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, XXXXXXXX XXXX  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 XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered a collection account in the amount of {$4500.00} listed under Hunter Warfield on my XXXX credit report. I was not aware of this debt, as I have never received any mail or email about it. Hunter Warfield has inaccurate contact information on file, including an incorrect email address and outdated XXXX XXXX number, which I no longer use. They do not have my current mailing address. 

On XX/XX/XXXX, I spoke with Hunter Warfield by phone and informed them that they have the wrong person, as I do not owe any debts besides my credit cards, which are current. Despite informing them of this, they asked me to provide my current phone number and mailing address, which I declined after being informed by XXXX to give them as little information as possible. During this conversation, the representative was polite but could not provide sufficient evidence to confirm this debt was mine. 

This debt is fraudulent and was either reported in error or is a case of stolen identity. I filed a dispute with XXXX the same day I discovered the collection account on XXXX XXXX, and I am requesting that Hunter Warfield validate this debt and remove it from my credit report. 

Hunter Warfield 's repeated calls to my outdated phone number, without sending a written notice, also violate the Fair Debt Collection Practices Act ( FDCPA ), which requires a written notice within five days of their first contact. I am filing this claim to have the collection removed from my credit report, stop further communication from Hunter Warfield, and ensure my rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
I was told this a legit business and they sent {$15000.00} check to deposit into my account and I was told to send money yhru cashapp and XXXX  send yhe checks were bad and it cost me around {$3000.00} of my own money to find it was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 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 any evidence of a thorough investigation. Specifically, I have marked the following accounts as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 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 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 2025-01-25 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Transunion, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of Transunion, XXXX, and XXXX reporting services.

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