vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Date ] Subject : Formal Demand for Debt Validation Notice of Dispute To Whom It May Concern, I am writing to formally dispute and request validation of the alleged debt you have reported in my name. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand full validation of this debt, as I have identified discrepancies that require immediate investigation. 

Pursuant to : 12 CFR 1006.34 ( c ) You are required to provide detailed, accurate information regarding this debt, including but not limited to the original creditor, itemized breakdown, and validation that the amount claimed is legitimate. 
12 CFR 1006.6 ( c ) If you can not validate this debt, you must immediately cease all collection efforts and remove any reporting related to this account. 
15 USC 1681e ( b ) It is your legal duty to maintain reasonable procedures to ensure the maximum possible accuracy of any information you furnish to consumer reporting agencies. 
15 USC 1681s-2 ( a ) Information furnishers must provide accurate data and correct any errors upon notice of dispute. 

Accordingly, I demand that you provide the following documentation within the legally required timeframe : 1. Complete validation of the alleged debt, including a copy of the original signed agreement proving I am liable. 
2. A full and detailed payment history from the original creditor to the present, proving the accuracy of the balance claimed. 
3. Evidence of ownership and legal right to collectif the debt has been sold, provide proof of chain of custody from the original creditor. 
4. Verification that all reporting associated with this account is accurate, including the date of last payment and current status. 

If you fail to provide adequate verification of this debt, I demand the immediate removal of this account from all credit bureaus and a formal written confirmation stating that the debt is unverified and will no longer be pursued. 

This is a formal dispute under federal law, and any attempt to continue collection efforts without providing proper validation is a direct violation of my consumer rights and will be met with legal action. 

This letter serves as written notice that all future communication regarding this matter must be done via mail only, and I revoke any prior consent for phone calls or electronic communication. 

Failure to comply with my request will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve my right to seek legal remedies for any violations of my rights under the FDCPA and FCRA. 

This is a legally binding request. Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: UMB FINANCIAL CORPORATION
State: OH

Complaint narrative:
I paid off this credit card in XX/XX/year>. It has a XXXX balance yet it continues to charge {$25.00} each month as fees?! I did not sign up for this bank the company XXXX XXXX changed banks & transferred the balance in my credit card. The new bank is a nightmare to deal with & you can not find a way to resolve this. There are only AI to answer the various menus & payment options. No way to dispute or fix what is clearly over charging of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my 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 non-monetary relief
Consumer complaint received 2025-03-27 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: DISCOVER BANK
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B ( 15 U.S.C. 1681c-2 ). Multiple unauthorized credit inquiries are being reported on my consumer credit file that I did not authorize, initiate, or apply for. These entries are fraudulent and are the result of identity theft. 

The disputed inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have submitted an official FTC Identity Theft Affidavit ( Report # XXXX ) and am exercising my rights under the FCRA. These inquiries were made without a permissible purpose and do not belong on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
My credit report is showing a Auto Loan from XXXX XX/XX/XXXX, account # XXXX on my TRANSUNION and XXXX and XXXX account, my credit report is showing collections from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title

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 2025-03-27 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: PA

Complaint narrative:
My credit report is showing a Auto Loan from XXXX XX/XX/XXXX, account # XXXX on my XXXX and EXPERIAN and XXXX account, my credit report is showing collections from XXXX XXXXXXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title

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 2025-03-27 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: PA

Complaint narrative:
My credit report is showing a Auto Loan from XXXX XX/XX/XXXX, account # XXXX on my XXXX and XXXX and EQUIFAX account, my credit report is showing collections from XXXX XXXX service XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX account number XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, I was not informed prior to this collection that this account would be sold to a debt collector. So I am asking for DEBT VALIDATION according to 15usc 169g a detailed list of my history of payments made by me on this account, I want to see the signature that I put on a contract guaranteeing that I pay this creditor, im asking to see has there been any insurance claim filed on this account, I want proof that you have a chain of title

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: OH

Complaint narrative:
Hello i have recently filed a complaint about Equifax for my account ending in XXXX they had my balance as {$25.00} which was incorrect it should have been {$0.00}, now i have a whole new statement for this month and now my balance is {$100.00} dollars but equifax has my balance as {$200.00} dollars which is incorret.Now my credit utilization is incorrect, this incorrect information is a blatant disrespect to how hard i have worked to get my credit profile to where it is now. I shouldnt have to keep contacting the CFPB about this company, my next response is to see if i can file some type of lawsuit about this company i take this very serious thats why im reaching out to you guys again, i really need this incompetency to stop because its affecting my credit profile and score its not affecting Equifax not one bit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. 
Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017
U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-27 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 


To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX, XXXX, NY, 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 2025-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Zelle is constantly playing games and blocking transfers between accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: NY

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-03-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6100.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}

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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$920.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$580.00}

Company response to consumer: Closed with explanation