vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
To : Consumer Reporting Agency Subject : Disputed Charge-Off Account - Request for Immediate Deletion of Unverifiable Debt Dear Credit Reporting Agency, I am writing to formally notify you regarding the outcome of a dispute I initiated concerning an account with XXXX XXXX XXXX XXXX with a reported charge-off balance of {$1300.00}. This account appeared on my credit report reported by [ Equifax, XXXX, and XXXX ], and was subsequently disputed with XXXX, XXXX of the major consumer reporting agencies. 

On XX/XX/year>, XXXX completed their investigation and deleted the XXXX XXXX XXXX charge-off account from my XXXX credit report, as it was determined to be unverifiable. I request that you also immediately delete this account from my credit report, as it has now been verified as inaccurate or unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information on my credit report. Specifically, Section 1681i ( a ) of the FCRA mandates that when a consumer disputes an item on their credit report, the information must be verified or deleted within 30 days. In this case, as XXXX has already deleted the account, it is clear that the reported information was not verifiable, and your agency must follow suit and remove the account from my credit file. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that consumers are not subject to unfair practices, including reporting unverifiable or inaccurate debt on their credit files. I would like to remind you of your obligations under the FCRA and the FDCPA to ensure that the information reported is both accurate and verifiable. 

I hereby request that you review and remove the unverifiable charge-off account from my credit report within 30 days or less. If the account is not deleted within this period, I will be forced to consider further legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action under the FCRA ( Section 1681n ), which entitles me to damages, attorneys fees, and costs should you continue to report inaccurate or unverifiable information.

Please consider this letter as an official demand for the deletion of this account. I look forward to your prompt compliance with this request and expect your response within the next 30 days.

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: TX

Complaint narrative:
I am expressing my concerns regarding Zelles handling of disputes when brought up for concern. Particularly in the recent CFPB lawsuit concerning issues with the platform. After contacting Zelle to discuss disputes, they failed to investigate my claims and stated the funds were lost and could not be retrieved.

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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

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 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 an 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 finding 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 raiser serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, 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 explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
Ive been experiencing the effects of unauthorized credit inquiries from your company on my 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
The XXXX dollars that Cash APp nor XX/XX/XXXXXXXX helping to under law get me back my money. My many attempts via Cash App trying reclaim my funds by scam by XX/XX/XXXX This bad business practices and my money should be furnished to me not scammers allowed keep money Regardless of how it was paid when attempts to obtain it back was fully made. 

Money not returned by Cash APP orXX/XX/XXXX XXXX seeking legal action for it

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/XXXXXX/XX/XXXXI asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXXXX/XX/XXXXI asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. So on XX/XX/XXXX I pointed out to you how you reported that this was charged off in XX/XX/XXXX, but this is wrong because XXXX AND XXXX show this account was charged off in XX/XX/XXXX. I wanted you to look at this again and on XX/XX/XXXX, and you still did not fix this. In addition to this error, I want to point out that it doesn't show my balance as XXXX, and you don't show my most recent payment. I will attach a letter from the collection agency XXXX was using for this account, " XXXX XXXX XXXX '' that shows this account was satisfied. Also, the fact that this debt was owned by a collector shows that this account had already been charged off in XXXX. According to the FCRA you either need to fix these errors and omissions or delete the account. This is the 5th time I have asked you to fix this, and now I have also shown you on this complaint that you are also neglecting to show my account balance as XXXX, and my last payment even though I have a letter from XXXX collector stating this account is satisfied. And I will attach XXXX and XXXX report to show this was charged off many months before you show it was charged off.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have had numerous XXXX transactions where I was not able to get my money back. It was sent to the wrong person or it was a scam and they would not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I have ben making payments to University Accounting Service. They did not apply any payments mailed to the address on the billing statement, reported my account as past due & sent the full amount to collections. Attached is the proof of {$970.00} worth of payments sent using the bill pay feature of my bank account. They sent {$1100.00} to collections, when I just sent a payment in XX/XX/XXXX ( we are in XXXX of XXXX ) & based on the mailed in payments, I only owe XXXX. 

I called University Accounting Service to confirm the payment address ( it is correct & my account number was in each memo ). I asked what happened to the checks that were not applied to my account & they could not provide an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
Zelle did not disclose that if you sent money to the wrong person you can not get it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Im not liable for this debt with CAINE & WEINER COMPANY, I do not have a contract with CAINE & WEINER COMPANY. They did not provide me with the original contract as I requested.

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: FL

Complaint narrative:
I want to 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Global Lending Services LLC
State: TX

Complaint narrative:
Complaint Details Subject : Unauthorized Credit Inquiry Notification from Global Lending Services Description : I am filing this complaint because I received a letter from Global Lending Services stating they have accessed my credit report. However, I did not authorize a credit inquiry. I opened an account with the company but did not give explicit consent for them to pull my credit or initiate any type of credit inquiry. 

Although this inquiry has not yet appeared on my credit report, I am deeply concerned about the unauthorized access to my credit information. I believe this is a misuse of my personal and financial data, and I want to take preemptive steps to ensure that an improper credit inquiry is not reported or used without my consent. 

I have contacted Global Lending Services to request clarification and proof of my authorization, but they have not provided a satisfactory explanation.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Request for Removal of Closed Accounts Reporting No Balance I am writing to formally dispute and request the removal of closed accounts on my credit report that are reporting a XXXX balance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate, fair, and verifiable reporting of information on my credit file. 
Upon reviewing my credit report, I noticed the following closed accounts that are inaccurately listed and are no longer relevant : According to the FCRA, any information reported must meet strict standards of accuracy, relevance, and necessity. Closed accounts with no balances have no bearing on my current creditworthiness and are, therefore, irrelevant and potentially misleading. 
Furthermore, under Section 605 ( a ) of the FCRA, outdated and irrelevant information must be removed from my credit file. Reporting these closed accounts with XXXX balances serves no purpose other than to unnecessarily clutter my credit profile, which can mislead potential creditors and violate my rights as a consumer. 
I kindly request that these accounts be investigated and permanently removed from my credit report. Please provide written confirmation once the accounts have been removed or provide documentation verifying their continued relevance and accuracy. 
If these accounts can not be verified or meet the standards outlined in the FCRA, I expect their immediate removal. Failure to comply with this request may compel me to take further action to enforce my rights under consumer protection laws. 
Thank you for addressing this matter promptly. I look forward to your response within the 30-day time frame allowed by law.

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 2025-01-16 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: CT

Complaint narrative:
I am writing formally to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
Im not liable for this debt with Consumer adjustment Co, I do not have a contract with Consumer Adjustment Co. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist bank says I owe them money and I do not. They promise XXXX dollars if you sign up for the checking account and they never gave me this money. I have not received any written correspondence for this but text messages every day. The company is XXXX XXXX XXXX XX/XX/XXXX. But this debit is supposably also at XXXX XXXX. I have canceled this bank account since.

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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> 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 2025-01-15 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: 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: GA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Dear [ Creditor/Collection Agency I am writing to formally request validation of the debt referenced by account number that you claim I owe. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Please provide me with the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement that validates this debt.

4. Proof that you are authorized to collect on this debt.

5. A detailed payment history for the account in question.

I request that you stop all collection activities until you provide the requested validation. Please send this information to my address listed above within 30 days of receiving this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation