vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Velocity Portfolio Group
State: KS

Complaint narrative:
CKS Prime Investments LLC Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause. 

I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account. 

The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement. 

2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. 

Validation requires : The original signed agreement identifying me as the debtor. 

A chain of title proving ownership transfer of the debt. 

Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( See XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 

XXXX. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable 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 2025-01-15 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 Experian 's 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 2025-01-15 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: CA

Complaint narrative:
i am formally writing to express my concerns regarding zelles handiling of disputes particularly in light of the cfpb lawsuit highlighting significant and extreme issues with the platform, i use the platform to send multiple payments and i dont feel safe using it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TD Auto Finance regarding the handling of my auto loan account and the inaccurate reporting of a remaining balance on my credit report after my vehicle was repossessed and sold. 
In XXXX, 2019, TD Auto Finance repossessed my vehicle, which was sold at auction for {$21000.00}. However, my credit report continues to reflect an outstanding balance of {$26000.00}, despite the vehicles sale. Additionally, I have not received any documentation or tax forms from TD Auto Finance that outline the sale of the vehicle, nor have I been provided with any information regarding the write-off of the deficiency balance. 
Under the Fair Credit Reporting Act ( FCRA ), I believe that TD Auto Finance has failed to accurately report the status of the loan and the sale of the vehicle, leaving me with an inaccurate credit report. Additionally, without receiving any tax documentation or proof of the loan balance adjustment, I am unable to verify the amount that remains due. 
I respectfully request that the CFPB investigate this matter and assist in ensuring that TD Auto Finance corrects the inaccurate reporting on my credit file, provides the required tax documents, and clarifies the remaining balance on my account. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Subject : Dispute Regarding XXXXXXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXX XXXX XXXX account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXX XXXX XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance.

2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXX XXXX XXXX  may also be in violation of such laws. 

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations. 

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.

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 2025-01-15 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-15 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:
Experian also violated the Consumer Financial Protection Act by engaging in unfair acts and practices, for not employing sound procedures for accepting complaints and other failures.

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 2025-01-15 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: MO

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: OH

Complaint narrative:
Subject : Dispute Regarding XXXXXXXX XXXX XXXX  ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX  account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXXXXXX XXXX XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance.

2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXX XXXX XXXXXXXX may also be in violation of such laws.

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations.

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.

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 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: WI

Complaint narrative:
I am writing to delete the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade Commission identity theft affidavit. I would appreciate it if you delete these items as soon as possible its holding my life back I'm in the process of purchasing an home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to adequately investigate. They informed me recovering lost funds was impossible and tracking was unfeasible. The CFPBs findings indicate 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 transparency and accountability is unacceptable and raises serious consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NJ

Complaint narrative:
Zelle has repeatedly failed me when it came to doing money transfers. I had Zelle through the XXXX bank until I closed my account. There were many instances where Ive tried to send money by Zelle and I was given an error message and to my assumption I assumed the money was never sent. However in this particular instance, Ive tried to send money by Zelle to a business on the same day with multiple attempts and was given an error message & my funds were never sent. What was meant to be only ONE Zelle transfer, I wake up the next day and my bank balance is WIPED after the many attempts of trying to send the initial payment. I had over XXXX Zelle transactions that were sent to this business when it was supposed to be one transactions. Given the error message that Zelle provided, I never thought they would seamlessly send the same transaction multiple times to this business on the same day. Ive contacted the business about the error and had asked them to give me back XXXX of my Zelle payments and keep the first initial payment since it was only supposed to be one. I was ignored & they robbed me outta my money all because Zelle did not have restrictions or proper implementations when it came to failed transactions with an error message on their end. Ive contacted my bank at XXXX and they were not helpful either. Zelle was also unhelpful and basically made it seem as if it was my fault. 

A second instance Ive had was when Zelle LOST a transfer that was meant to be sent to me. Not sure how it was lost but the person who was supposed to transfer money to me with my phone # registered to my name, I never received their payment and they lost out on their money and I lost out on mine too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Small & Small, Attorneys PLLC
State: NC

Complaint narrative:
Company is taking me to court. Do not have grounds to take me to court. I do not know who they are and they are doing searches on me service members Civil relief act Ive never been in the service and they are doing research sending court documents Service members civil relief act decoration Ive never been in the service and theyre taking my name and putting it into a search bar to see if I was a service member. What does this have to do with credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against Experian alleging systemic issue such as failing to forward consumer provided evidence to furnish accepting unreliable response and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor 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 dispute accounts as experience in action, violet federal law, and my right 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 2025-01-14 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: GA

Complaint narrative:
I am writing to request assistance in updating my personal information with Experian, one of the XXXX major credit reporting agencies. I have recently noticed discrepancies in my records and would like to ensure that my information is accurate and up-to-date. 
Below is my correct personal information : Name : XXXX XXXX Birthday : XXXX XXXX XXXXXX/XX/year> Phone Number : ( XXXX ) XXXX Current Employer : XXXX XXXXXXXX XXXX  Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I have already attempted to update this information directly with Experian but have faced difficulties in doing so. Therefore, I am seeking your help in addressing this matter and ensuring the corrections are made promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I telephoned XXXX in reference to the wrong name, job employment, and address on my credit report. The rep told me they were removing it from my credit report on XX/XX/year>. My credit was pulled on XX/XX/year>, in it was not removed. 
My name is not XXXX XXXX XXXX XXXX. I never lived at either of these address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX La or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. I never worked at XXXX XXXX XXXX XXXXXXXX

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. I would like to be kept informed about this investigation, especially regarding any potential malpractices by Zelle that may have impacted the monetary value or control linked to my bank account. The CFPB points out that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation