vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Self Financial Inc.
State: FL

Complaint narrative:
I was a victim of a data breach, which led to an unauthorized XXXX XXXX appearing on my XXXX credit report. Under 15 U.S.C. 1681c-2 ( a ), I requested its removal as identity theft, but XXXX has failed to comply despite providing proper documentation.

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: VA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} XXXX  : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the addresXXXX XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA.

I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law.

.

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate 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 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute several inaccurate entries on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). These entries are in reference to debts that are not mine and should be removed immediately from my credit file. 

The following debts are being reported inaccurately, and I request their removal from my credit report : XXXX : {$13000.00} XXXX  : {$26000.00} XXXX XXXX XXXX XXXX : {$5200.00} XXXX XXXX XXXX XXXX : {$2000.00} Furthermore, I would like to emphasize that all debts associated with the addresXXXX XXXX XXXX XXXX are not accurate nor do they belong to me. I have previously submitted dispute letters to the creditors listed above without receiving verification of these debts, which violates my rights under the FCRA. 

Relevant Laws : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I am entitled to dispute inaccurate information on my credit report and request that it be corrected or deleted. The reporting agencies must investigate the disputed information and delete any entries that can not be verified as accurate within 30 days. 
Servicemembers Civil Relief Act ( SCRA ) : As a servicemember, if these debts are related to a time when I was in military service, I am entitled to protection from default judgments and certain collections actions. If these debts are erroneously listed as part of my credit report, I request their removal to ensure compliance with the SCRA.

I demand that you investigate this matter and remove these inaccurate items from my credit report. Please provide me with written confirmation once these debts are verified or removed. If you are unable to provide valid verification, these debts must be permanently deleted from my credit file, as required by law.

.

Failure to comply with the requirements set forth in the FCRA and SCRA will leave me no choice but to seek legal action and report non-compliance to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please consider this matter urgent, and I expect a resolution in accordance with the law. Thank you for your immediate 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Today I received a notice of petition for garnishment. I was never notified of the change of my account. I never permitted them to contact my employer. When I first found out about the debt, I wanted to dispute it because I was not familiar with the debtor, and they told me if I did, they would pursue criminal charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: INTERNAL CREDIT SYSTEMS, INC
State: CA

Complaint narrative:
I received a threatening phone call screaming and demanding that I pay a debt or he will take me to court. I could not even understand or ask what the debt was. This was from Internal XXXX XXXX XXXX XXXX XXXX I just received a letter in the mail that states I owe XXXX for a XXXX XXXX I can not get any information to dispute this with the debt collector because I am scared to contact them. They are very aggressive and do not give me information. I am demanding to see what this XXXX I owe is for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: CO

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

Complaint narrative:
I paid off this loan on XX/XX/year>. They have failed to report this loan as being paid off which has continued to damage my XXXX XXXX. Due to this I was unable to get medical loans because I owed to much. This was over XXXX that was paid to them. I have called multiple times asking for my paid off letter and other information so I could dispute this but they have failed to give me that. Numerous supervisors have given me information saying it was reported as closed and paid off. I also never received any letter saying it was paid off and the account was closed. They are causing me financial damage everyday of this being reported on my account. Every time I call they give me a different date it was reported and the last supervisor stated to me she could not give me anything in writing saying it was paid off. This company is SHADY

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
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: WI

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 2025-02-13 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: TN

Complaint narrative:
Closed account on my credit file Need to removed immediately because it inaccurate information still shown on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
Subject : Complaint Regarding Incorrect Collections Reporting on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding the inaccurate reporting of collections on my credit report by Portfolio Recovery Associates, LLC, and Lockhart , Morris & Montgomery. I believe that these collections are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Details of the Complaint : XXXX XXXX XXXX XXXX XXXX XXXX  I have found an account reported by Portfolio Recovery that I believe is inaccurate. As per 15 U.S.C. 1681s-2, the reporting entity is required to provide accurate information to credit reporting agencies. However, this account does not reflect the true nature of my financial obligations, and I have not received adequate validation of the debt as required under 15 U.S.C. 1692g.

2. Lockhart , Morris & Montgomery : Additionally, I have noticed that Lockhart , Morris & Montgomery is also reporting an account that I dispute. They have failed to provide evidence that this debt is mine and have not adhered to the requirements set forth under the FDCPA regarding debt validation and proper communication.

Request for Action : I am requesting that the CFPB investigate these matters to ensure compliance with federal laws governing debt collection and credit reporting. Specifically, I ask that you : - Review the reporting practices of XXXX XXXX XXXX XXXX  and Lockhart , Morris & Montgomery in relation to my credit report. 
- Ensure that they provide proper validation of the debts they are reporting. 
- Take appropriate action to address their potential violations of the FCRA and FDCPA. 

I have attached copies of my credit report highlighting the disputed accounts, along with any relevant correspondence I have had with both debt collectors.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/year> Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Cease and Desist from Unlawful Debt Collection Practices Dear Transworld System Inc, This letter serves as a formal notice to you and anyone acting on your behalf to immediately cease and desist from the activities related to your debt collection practices under 15 U.S. Code XXXXc - Communication in connection with debt collection These actions are unlawful and violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws and regulations. Your conduct has caused and continues to cause substantial and irreparable harm to me, and it must be stopped immediately. 

Therefore, I demand that you : Immediately cease and desist all unlawful debt collection activities. 

Confirm in writing that you have complied with this demand within XXXX days from the receipt of this letter. 

Failure to comply with this demand will result in legal action against you without further notice. 

Please be aware that this letter is not a complete statement of my rights in connection with this matter, and nothing contained herein constitutes an express or implied waiver of any of my legal or equitable rights, all of which are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I made a transaction through paypal on XX/XX/XXXX ( XXXX is the transaction ID ). This was a purchase of an item on XXXX The item received from XXXX was not as described ( wrong item was sent ), and I opened a case with Paypal. The case ID is XXXX XXXX The case was opened on XX/XX/XXXX On XX/XX/XXXX, paypal sent me an email stating that the seller has agreed to a refund, provided the item was sent back and tracking was submitted. 

The item was sent back to the seller, and tracking was submitted XX/XX/XXXX - tracking number XXXX The tracking shows the item has been delivered back to the seller 's return address. 

Paypal has since closed the case in the seller 's favor, despite the email from XX/XX/XXXX stating a refund would be provided if the item has been sent back. I've appealed the case several times, and their " back office '' keeps declining the appeal with no reason. Paypal is lying and not fulfilling their " buyer protection '' terms.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have repeatedly attempted to get into my online Experian account to unfreeze my credit. Most recently today. The code they call me with to verify my account never works. I eventually receive a message to call customer care with a phone number to call. When I call this number the automated system will not give me to a customer care agent it tells me to login to my account. Which I can not do. I attempted this several times on XX/XX/year>. Eventually I was able to find an email for Experian. I sent an email to XXXX to assist me in accessing my account so that I could unfreeze my credit. I have not heard back. My credit is being held hostage and I can not get anyone from Experian to answer or respond. At one point it gave me recovery email and phone to send information to. None of which are associated with me which in itself is alarming.

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: EQUIFAX, 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. 
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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: Self Financial Inc.
State: MN

Complaint narrative:
I was looking over my report and I see you guys marked me as late on this XXXX and XX/XX/XXXX and XX/XX/XXXX According to law 15USC 1681 ( A ) you are not supposed to do this

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I was looking over my report and I see you guys marked me as late on this XXXX and XX/XX/XXXX and XX/XX/XXXX According to law 15USC 1681 ( A ) you are not supposed to do this

Company response to consumer: Closed with explanation