vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: Coast Acceptance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXXCoast acceptance XXXX account number XXXX Coast acceptance : XXXX Subject : Dispute of Debt and Request for Verification Dear, XXXX XXXXCoast acceptance I am writing to formally dispute the validity of the debt that has been reported to me or is being collected by your agency. According to 15 USC 1692c ( Fair Debt Collection Practices Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), I am entitled to request verification of the debt and to be informed of the details surrounding its origin, amounts, and status.

To assist me in resolving this matter, I request that you provide the following : 1. Proof of the debt : Please provide the original documentation showing that I owe the amount you claim and that you have the legal right to collect it.

2. A complete breakdown of the debt : This should include the original creditors information, account number, balance, any fees or interest, and any other charges related to this debt.

3. Verification of the reporting : If this information has been reported to credit bureaus, I ask that you provide the dates and details of all reporting, including the exact amount and status of the debt as reported.

I am also requesting that all further communication regarding this matter be in writing, as permitted under 15 USC 1692c, and that any further collection attempts cease until this dispute has been resolved.

I understand that under the Fair Debt Collection Practices Act ( FDCPA ), you are required to verify this debt within 30 days of receiving this dispute letter. If you are unable to provide proper documentation, I request that you cease any further collection activity and remove the account from my credit report.

Please treat this as a formal dispute under the law, and provide all requested information in writing at your earliest convenience.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX Feel free to adjust any personal information, as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
To, whom this may concern, I am writing to formally request the information you used to verify the account listed below in XXXX XXXX - XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information to ensure the accuracy of my credit report. Specifically, I would like to know the sources of information and the methods you used to verify this account.

Please provide me with a detailed account of the verification process, including any documentation or correspondence associated with this account. I kindly ask that you respond to this request within 15 days of the date of this letter.

If you require any additional information from me to process this request, please do not hesitate to contact me at the phone number or email address listed above.

Thank you for your attention to this matter. I look forward to your 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 2025-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX  is reporting I have missed 3 payments and now they're saying I owe over {$5000.00} for missed payments. I was in a payment plan of {$50.00}, which was being made through my job each month. I was unaware the plan had ended and suddenly received a bill for nearly {$1000.00}. I am unable to pay that amount for a student loan payment. I immediately reached out to them attempting for clarity because my original agreement of the {$50.00} payment plan was supposed to last until XX/XX/year>. I desperately need these late payments removed from my credit report to be able to purchase a home. I have sent further documentation requesting to be placed back on a payment plan but I am still awaiting an answer. In the meantime I need these late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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 2025-02-18 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: PA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of the unauthorized hard inquiry placed on my credit report by XXXX XXXX  on XX/XX/year>. I did not authorize this inquiry, and it is negatively impacting my credit score. Under the Fair Credit Reporting Act ( FCRA ), you are required to have my express consent before initiating a hard inquiry on my credit file. Since I have no record of approving this inquiry, its presence on my credit report is a violation of my consumer rights.

I demand that you remove this unauthorized inquiry immediately and provide written confirmation of its removal. Failure to do so will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the
Attorney Generals office. Additionally, I will explore legal action against XXXX XXXX XXXX XXXX for

violating federal credit laws. I expect a written response within 15 days confirming that this hard inquiry has been removed. If you claim that I authorized this inquiry, you are legally required to provide documented proof of my consent. Failure to do so will be considered further evidence of noncompliance. I take this matter seriously and will not tolerate any delay or disregard for my consumer rights. Please address this issue promptly to avoid further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed inaccurate information on credit report through experian and XXXX  non of them were properly submitted or disputed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX a fraudulent charge of {$1900.00} was put on my Bank Of America credit card. Immediately I had a conversation with the fraud dept. of BOA credit card division. They did not cancel the card due to the fact, they stated, that all other transactions were valid and that a credit would be issued. 
I trusted their associate and let it go ; however for 11 months, none of this has been managed. I have called BOA almost monthly as I see it is never removed, no finance charges removed ... nothing. I continued to call and " believe '' that this mistake would be rectified before the next billing statement, which is what I was always told on the phone. On XX/XX/XXXX I received a letter from BOA Claims Resolution dept. stating that my claim is resolved and a permanent credit of {$1900.00} is complete and all fees associated with this would be credited. Today is XX/XX/XXXX and I still have the fraud charge on my account and I'm now due {$540.00} in finance fees. 
This is after XXXX " in person meetings '' at my local branch bank in XXXX, NJ on XX/XX/XXXX and another on XX/XX/XXXX. 
The bank also told me that everything should be taken care of now ... ... but it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-18 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am filing a formal complaint against Aldous for furnishing an inaccurate and unlawful collection account XXXX on my credit report. Aldous has engaged in abusive, deceptive, and unfair debt collection practices, violating the Fair Debt Collection Practices Act ( FDCPA ). This company is reporting and attempting to collect on an account for which I never signed a legal contract. A legally binding agreement requires the consent of both parties, and I did not authorize or agree to this alleged debt. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also acknowledge that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation, punishable under 18 U.S.C. 1001 and 18 U.S.C. 1621 ( perjury ).

Furthermore, this collection account is not related to any transaction I initiated. I allege that my personal identifying information was used without my authorization to apply for goods, services, or money, leading to the wrongful reporting of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing a formal complaint against Transworld Systems for furnishing an inaccurate and outdated collection account on my credit report. This account was previously settled with the original creditor, XXXX XXXX, for a different amount than what is currently being reported. Despite this, Transworld Systems continues to report this collection account, which is both misleading and unlawful. 

Furthermore, this account is past the statute of limitations in the state of Texas, making any further collection activity or reporting improper. Additionally, the account contains inconsistent and inaccurate details, including discrepancies in the open date and the date last active, suggesting that Transworld Systems has re-aged the account in violation of the Fair Credit Reporting Act ( FCRA ). 

Transworld Systems also has a documented history of consumer protection violations, including unlawful debt collection practices such as adding unauthorized fees to debt payments. Given that this debt was settled with XXXX XXXX, there is no legal basis for Transworld Systems to continue reporting this collection. 

I am requesting the immediate removal of this account from my credit report to ensure compliance with federal and state consumer protection laws. Failure to do so will result in legal action against Transworld Systems for false and illegal reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On approx. XXXX XXXX, XXXX U.S. Bank removed {$11000.00} from my personal checking account and held the funds. They closed my account and instructed me to visit a local branch to prove ownership and validity of the funds. On approx XX/XX/XXXX. I met with branch manager XXXX XXXX in XXXX, IL approx. I provided here with substantial documents where she uploaded the documents into her database. I explained to her they where deposits ( student loans and grants ) from our school my partner XXXX XXXX and roommate XXXX XXXX as they were not able to obtain a checking account. After a XXXX hour meeting she informed me a decision would be made in XXXX business days. I called her on the seventh business day she informed me the funds where going to be sent back to the origin. XXXX ( XXXX XXXX XXXX XXXX XXXX ). After several weeks we called to verify if the funds returned, they NEVER returned. I contacted a phone representative on approx. XX/XX/XXXX where the rep advised me the funds where still with U.S. Bank. Again I was instructed to visit a local branch. I met with another U.S. Bank XXXX " XXXX '' also in XXXX, IL. He advised me the funds where with risk management and he was unable to retrieve them. I offered a solution of all three of us coming to the branch " XXXX '' advised me that would not resolve the matter. Today XX/XX/XXXX I called U.S. Bank for the " third time '' they have advised me to visit another branch to speak with another branch manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX payment on XXXX for {$700.00} was send to merchant. XXXX had a bad email address. XXXX was sent from account. Chase Bank can not tell me who received it. The intended person did not get it. I want to press charges but need name of individual and bank. Chase told me to contact XXXX with a claim number they generated. When XXXX is called you can not speak to anyone. I have spoken to XXXX people at Chase and get the run around. the XXXX web site states to contact your bank. Either Chase or XXXX are wrong. I live on XXXX XXXX, I currently have {$49.00} in my checking and do not get paid for a week. Since the money went to an invalid account. They need to tell me exactly where the money went. Sure it is sitting in one of their suspense accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against Southwest Credit Systems for furnishing an inaccurate and unlawful collection account XXXX on my credit report. This account is being reported with inconsistent and conflicting information, including discrepancies in the open date and date last active, which vary across the three credit bureaus. The inconsistencies suggest that this account has been re-aged, an illegal practice in violation of the Fair Credit Reporting Act ( FCRA ). This deceptive tactic is used to extend the reporting period of a debt beyond its legal timeframe, which is both misleading and unlawful.

Additionally, Southwest Credit Systems has engaged in abusive, deceptive, and unfair debt collection practices, violating the Fair Debt Collection Practices Act ( FDCPA ). This company is reporting and attempting to collect on an account for which I never signed a legal contract. A legally binding agreement requires the consent of both parties, and I did not authorize or agree to this alleged debt.

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also acknowledge that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation, punishable under 18 U.S.C. 1001 and 18 U.S.C. 1621 ( perjury ).

Furthermore, this collection account is not related to any transaction I initiated. I allege that my personal identifying information was used without my authorization to apply for goods, services, or money, leading to the wrongful reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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

Company response to consumer: Closed with non-monetary relief