vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: NJ

Complaint narrative:
To Whom It XXXX Concern : I am submitting this formal complaint regarding a retail installment sales contract I entered into with XXXX XXXX XXXX, financed by American First Finance, XXXX ( XXXX ). The agreement in question is identified by Account XXXX : XXXX, executed on XX/XX/year>. 

Upon reviewing the terms of this agreement, I have serious concerns regarding the legality and fairness of the financing arrangement, particularly concerning the Annual Percentage Rate ( APR ) of 169.32 %. I reside in the XXXX of New Jersey, where state usury laws cap interest rates at 30 % for consumer transactions and impose a 50 % limit for criminal usury. The XXXX stated in my contract far exceeds these legal limits, which raises concerns about predatory lending and potential violations of New Jersey 's usury laws. 

Furthermore, I have made payments on this contract over the past year and feel that I have been subjected to unfair and abusive lending practices. The principal amount borrowed is {$1700.00} and I have paid almost 3 times that amount with this financing contract.The excessively high interest rate has placed a significant financial burden on me, which I believe is exploitative and violates my rights under the New Jersey Consumer Fraud Act and other applicable state and federal regulations. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. Specifically, I seek : A review of the contract 's legality under New Jersey usury and consumer protection laws. 

A determination of whether XXXX 's lending practices constitute predatory lending. 

Restitution or reimbursement for any interest paid in excess of New Jersey 's legal limits. 

A correction to my credit report if this agreement is found to be unlawful. 

Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate Late Payment Reporting I am filing this complaint against Experian, TransUnion, and Equifax for their failure to properly investigate and remove inaccurate late payment records from my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX : There are multiple late payment errors on my credit report that are completely inaccurate. The accounts in question were always paid on time while they were active, yet the credit bureaus continue to report late payments. Despite their legal obligation to ensure the accuracy of consumer credit reports, Experian, TransUnion, and Equifax have failed to correct these errors after multiple disputes. 

Accounts with Incorrect Late Payment Reporting : 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 XXXX XXXX XXXX  Violation of FCRA and FTC Guidelines XXXX Under 15 U.S.C. 1681i ( a ) of the FCRA, credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes inaccurate information. However, it is evident that Experian, TransUnion, and Equifax have failed to properly investigate these errors and ensure the accuracy of my credit report. 

Additionally, the Federal Trade Commission ( FTC ) mandates that credit bureaus maintain accurate reporting standards and remove any incorrect or unverifiable information. Their failure to act has caused significant damage to my credit score and financial standing. 

Requested Resolution : I request that the CFPB take immediate action and require Experian, XXXX, and XXXX to : Conduct a full reinvestigation of my disputes and provide documentation of their findings. 
Remove all inaccurate late payment records from my credit report. 
Provide a written confirmation that my credit report has been corrected. 
The negligence of the credit bureaus in maintaining accurate credit reporting has harmed my financial reputation and is preventing me from accessing credit opportunities. I request urgent intervention from the CFPB to ensure compliance with federal laws and hold the credit bureaus accountable for their failure to act. 

Thank you for your 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 2025-02-13 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:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 ________ 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 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 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P.
State: IL

Complaint narrative:
Attempts to contact this company to aquire information have been unsuccessful. From what I can tell they are trying to collect on some form of a payday loan, that I never took out, for {$960.00}. I filed a police report as I believe my identity was stolen, but nothing ever came of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 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 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB Regarding XXXX Medical Debt Loan Experians fraudulently changing the status of the account from loan to charge card On XX/XX/year>, the CFPB ruled that medical debt could no longer be reported on a persons credit file I have let Experian know on numerous times that the XXXX account is MEDICAL DEBT. 

After the XX/XX/year> ruling, I notified Experian again that they are to remove the medical debt contained on the medical loan under the name XXXX To avoid removing the medical debt from my account, Experian committed fraud by changing the account type from loan to charge card This was done by Experian because they are paid excessive amounts from those selling credit cards and loans and thus there is not a legitimate investigation for the consumers Instead of contacting me or getting more information, all customers are prohibited from calling into the call center. There is no customer service whatsoever at Experian. They have abandon their customers, and there is therefore no unbiased investigation. 

Experian failed to do a reasonable investigation that was requested on XX/XX/XXXX and XX/XX/year>. If they legitimately did an investigation then there wouldnt be an accuracy on my account to this day but instead they waited until the XX/XX/XXXX ruling for medical debt to fraudulently, changed the status of the account from loan to charge card. 
Failure to do a reasonable investigation is an FCRA violation. 
Avoiding the customers at the call center for bidding them to give input about their medical debt prevents an unbiased investigation. However, secretly Experian committed fraud by changing the status of the XXXX on account from loan to charge card. 
Because of the medical debt status, the FCRA violation, the failure to do a reasonable investigation In XXXX and XXXX, I am demanding that the medical loan that was fraudulently labeled as charge card be removed from my credit report as at once. 
XXXX XXXX removed the XXXX medical debt loan from my credit report because it was considered medical debt in nature.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} Account dates or inaccurate and Amount is inaccurate! Account is closed!!!

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 2025-02-13 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:
I discovered an unauthorized and inaccurate collection account on my credit report from Equifax associated with XXXXXXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, Equifax has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Around summer of 2012 I went to a courtroom downtown XXXX and explained to the lawyer/arbitrator that I was a victim of identity theft, I presented the XXXX Police Department case number and all that I had at the time, along with IRS tax record to show that this person was filing taxes in my name as well. Although, they had my license, a signature close to mine and the agreement it was not me because during that time I was on unemployment and could not take out any loans with unearned income, which I explained at that time. Now, I have been receiving harassing call from and mail outs from XXXX, XXXX, and XXXX XXXX from this creditor about garnishing a check from a company that I no longer work for, for debt that does not belong to me. I received a letter at the mailing address in XXXX that there is a remaining sum of {$31000.00} which represents the Judgement amount plus interest garnishing earned wages that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$800.00} Original Creditor : XXXX XXXX XXXX Company : XXXX. XXXX, XXXX I asked for proof within thirty days or please delete this item off my credit report as soon as possible and No action was taken.

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 2025-02-13 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: AZ

Complaint narrative:
I have disputed this account for information dates are inaccurate, this has been XXXX dispute, and you are still having wrong information, that does not match my other accounts. You stated your data furnisher has updated the information. As of today, I have not received proof of the dates this charge off, the dates of charge are incorrect, and this account does not belong on my credit. This account has been on my credit for over 7 years and need to be removed. I ask that your factual check all the dates of this account and as of today you still not updated information correctly. If anything, you take XXXX days resolve my issue and provided not actual proof. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$4500.00} Credit Limit {$3500.00} Charge off {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-13 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: OK

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My information was exposed in a date breach now I am seeing numerous accounts on my report I have no clue of. A few of the accounts newly opened in a State where I no longer live. There is even a Auto loan I never signed for.

Company response to consumer: Closed with non-monetary relief