vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
I informed the representative of Credit Bureau of the current inquiries on my credit report were all based on Business transactions and not personal. There is no basis for these inquiries to be on my credit report especially with the business having no connection to these accounts. 

I asked for them to acknowledge the statute : 15 U.S.C 1681

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 2025-02-09 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: SC

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Transunion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax comply with federal law and provide consumers with the necessary proof of investigation. I want reported accounts removed.

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 2025-02-09 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracy in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax comply with federal law and provide consumers with the necessary proof of investigation. I want reported accounts removed.

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 2025-02-09 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 writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Subject : Complaint against Pressler Felt & Warshaw LLP for Harassment, Threats, and Failure to Provide Proof of Debt I am writing to file a formal complaint against Pressler Felt & Warshaw LLP regarding their unlawful and harassing debt collection practices. Over the last 6 to 8 months, I have been subjected to continuous harassment, threats, and improper actions that have caused significant distress and financial harm. Below are the details of my complaint : Initial Contact and Request for Proof of Debt : When Pressler Felt & Warshaw LLP first contacted me, I requested proof that I owed the debt they were attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of a debt. However, instead of providing any documentation verifying my obligation, they repeatedly pressured me to pay the alleged debt, while threatening wage garnishment. 

Failure to Provide Required Documentation : Despite my clear request for proof of debt, Pressler Felt & Warshaw LLP sent me a bill that included charges I did not recognize or make. I asked for specific documentation, including a signed agreement or contract showing my authorization to pay this debt to a company I had no relationship with. Instead of providing the requested proof, they sent me another threatening letter stating that they would proceed with garnishing my wages.

Threats and Wage Garnishment : Instead of complying with my request for proof of the debt, Pressler Felt & Warshaw LLP proceeded to have a judge approve the garnishment of my wages. I was never provided with any of the required documentation to verify the debt, nor was I given the opportunity to dispute the claim appropriately. 

Violation of FDCPA : I believe that Pressler Felt & Warshaw LLP has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), which requires debt collectors to provide verification of the debt within 30 days of the initial contact. Their failure to provide this verification and continued harassment constitutes a breach of the law.

As a result of their actions, I am requesting the following : A full investigation into Pressler Felt & Warshaw LLP 's debt collection practices.

Immediate cessation of any further wage garnishment or collection actions until they provide valid proof of the debt. 
Compensation for any damages caused by the unlawful garnishment and harassment. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit.

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ME

Complaint narrative:
In XXXX, I was told I could not be put on save plan without waiting 6 months, which was not true, I just needed to consolidate. Now, my loans are not considered as under save forbearance and I am accruing interest. I applied for an Ibr plan in XX/XX/XXXX ( not even save ) and it is still processing, and accruing interest even though the law says if its more than 60 days I shouldnt pay interest anymore. I want the interest waived and for me to put me on a plan, it should not take this long to process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I have made a complaint of my inaccuracy could be reporting on my late payments on my XXXX and Transunion account. I submitted a complaint into your but the dates I had on there was the wrong dates for the accuracy and I looked at my reports and I seen the different dates of the accuracy of the reporting of my credit report and Im resending you information on both of the credit reports that are an accurate dates of late payments and I would like to remove this off my account because discount never was late And the transaction XXXX XXXX and Im sending you a new copy of the dates that was in accurate on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CT

Complaint narrative:
I have made a complaint of my inaccuracy could be reporting on my late payments on my XXXX and Transunion account. I submitted a complaint into your but the dates I had on there was the wrong dates for the accuracy and I looked at my reports and I seen the different dates of the accuracy of the reporting of my credit report and Im resending you information on both of the credit reports that are an accurate dates of late payments and I would like to remove this off my account because discount never was late And the transaction XXXX XXXX and Im sending you a new copy of the dates that was in accurate on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Someone created an auto loan account with Credit Acceptance without my knowledge using my social security number. Ive disputed this account multiple times, Ive contacted the company & nothing was resolved since XXXXThis is not my account & I would like for it to be removed.

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 2025-02-09 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: LA

Complaint narrative:
XX/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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: BTH Management
State: GA

Complaint narrative:
Was contacted about a debt that I did not have with them. My information was sold to them and now they placed an open account on my credit report with my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
My information was exposed in the data breech. Multiple accounts on my credit report are inaccurate.

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 2025-02-09 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:
XXXX XXXX XXXX XX/XX/XXXX Letter to Remove Inaccurate Credit Information Dispute Department- 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. As a consumer, I am demanding the deletion of the accounts below. 

Please remove all inquiries which I did not authorize or give consent : Date Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXXPlease remove all incorrect personal data below : Name- XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Pa XXXX XXXXXX/XX/XXXXXXXX Pa XXXX Remove all telephone numbers listed- XXXX XXXX XXXX Please remove from my credit report. Sincerely, 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 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I sent a dispute letter in XX/XX/scrub> 2024 and also say multiple dispute letters and never got anything from them. Just say it was verified but nothing that prove it was verified to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AZ

Complaint narrative:
Inaccurate personal information being reported that do not belong to me. 
The following addresses AND employers are being reported inaccurately : XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX EMPLOYERS : XX/XX/XXXXMY CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2025-02-09 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:
i am writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/year>2025 when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is XXXX XXXX, XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX. I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.

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 2025-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I informed the representative of Credit Bureau of the current inquiries on my credit report were all based on Business transactions and not personal. There is no basis for these inquiries to be on my credit report especially with the business having no connection to these accounts. 

I asked for them to acknowledge the statute : 15 U.S.C 1681

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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
I had already made payments on this bill. I had requested financial aid and payment arrangements with multi care and I was told I didnt qualify. I asked them to add it to my current payment plan and I dont know why it wasnt added. I was under the impression it was added. Never knew it wouldve gone to collections. I never received any bills or letters through the mail. I just saw the mark on my credit report as a collection. 
I have worked very hard for my credit score now this is on there it dropped me XXXX points almost yet I wasnt qualified for assistance?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
please check the information concerning the experian data breach below in attachments

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