vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX. Original creditor : XXXX XXXX XXXX XXXX XXXX. Balance : {$800.00} XXXX. Date Opened : XX/XX/year> XXXX. Account number : 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Im extremely upset I have been 100 % flawless with a car note for over 3 yrs never missed a payment. Even during my XXXX XXXX and XXXX and XXXX never missed a payment, I was looking forward to my credit score to rise after the XXXX XXXX car was paid off, Overland bond put Account closed on my credit report! it should said Paid in full! 

Because of the status and notes they wrote i lost XXXX points off my credit report Please update where it say account paid in full i deserve the points i worked hard for and this showes as bad not Good, becuase they put Cosed when in should say paid in full Never late never had a issue paid weekly for 3 yrs please dont treat me like that overland bond you guys hurt my score by XXXX points. it was for the XXXX XXXX XXXXXXXX  that was my first loan with them. 

I called them and i was told to report them to CPFB that it should say paid in full not account closed. they said the only way to fix it is report to CPFB and credit burial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NV

Complaint narrative:
I am formally disputing the following negative items on my credit report : Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NV XXXX Employers : XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Charge-Off from Credit Report Dear TransUnion, I am writing to formally dispute an inaccurate entry on my credit report. Upon reviewing my credit file, I noticed that there is a charge-off associated with my loan from [ XXXXXXXX XXXX XXXXXXXX ] that appears to be incorrectly reported. 

Details of the Disputed Account : Creditor Name : [ Insert Creditor Name ] Account Number : [ Insert Account Number ] Date of Charge-Off : [ Insert Date of Charge-Off ] Reported Balance : {$39000.00} Highest Balance : {$52000.00} Opened : XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Term : XXXX months ( XXXX XXXX ) Payment History : I have made only 10 % of payments on time, but there appears to be a discrepancy in reporting. 
Based on the information I have, I believe the charge-off entry may have been incorrectly reported due to an error in how my payments have been documented or another issue related to the status of the account. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or outdated information on my credit report. Therefore, I kindly request that you investigate this matter thoroughly and remove the charge-off from my credit report if it is found to be 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 2025-02-12 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:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: SC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I am formally disputing the accuracy of several items on my credit report as required under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ). These items are inaccurate, incomplete, and/or unverifiable, and I am demanding their immediate removal to ensure compliance with federal law. 

Under 15 U.S. Code 1681e ( b ), you are required to ensure that all information in consumer reports is 100 % accurate and verifiable. Additionally, per 15 U.S. Code 1681i ( a ) ( 5 ), any disputed item that can not be verified with documented proof from the original creditor must be permanently deleted from my credit file. 

The following accounts fail to meet these legal requirements and must be removed immediately : 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 Demand I am exercising my rights under the FCRA to demand the following : A full reinvestigation of the disputed items, including direct verification with the original data furnisher. 

Copies of all documentation you used to verify the accuracy of these items. If you can not provide such documentation, the law mandates that these items be permanently removed. 

Immediate deletion of any item that can not be verified within the legally required XXXX time frame. 

Failure to comply with this request constitutes a violation of federal law, and I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also consider legal action for willful noncompliance under 15 U.S. Code 1681n, which allows for statutory damages, punitive damages, and attorneys fees. 

Please provide written confirmation of your actions regarding this dispute within 30 days of receipt of this letter, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by XXXX 's practices. Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that XXXX 's investigation was inadequate. The CFPB lawsuit reinforces my concerns about XXXX 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings. 

Would you like to be apart of the lawsuit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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 explanation
Consumer complaint received 2025-02-12 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:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

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 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Resale Specialist, Inc.
State: MN

Complaint narrative:
A vehicle ( NOT TITLED IN MY NAME ), was towed by XXXX  XXXX XXXX to their establishment without my consent. I got a bill for the cost of the tow, never paid it, & eventually it ended up in collections. Now I'm getting a bill from Midwest Resale Specialist Inc for a debt that I do not owe. The post office also delivered ( possibly by mistake ), another letter from the same debt collector but it is addressed to a different person, for the same debt. It appears as though this debt collection agency is trying to collect the same debt from XXXX different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
These are unauthorized inquiries on my credit report and I'm a victim of identity theft. 
XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
These are unauthorized inquiries on my credit report and I'm a victim of identity theft. 
XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I can help you draft a description! Please provide details about the incident or issue you experienced, including what happened, when it happened, and which companies are involved. This will allow me to create an accurate and effective comment to send.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I have no idea of who these collectors are and when I call I get no response about who the debt is from just I owe money and they all refuse to remove anything from my credit report. Except one company for a credit card I never had but they refused to investigate the matter just said I need to pay the debt even after letting them know it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EdFinancial Services
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding the unauthorized access and disclosure of my personal and financial student loan information. A third party, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, obtained access to my private student loan records without my knowledge or consent. This constitutes a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), which mandates that financial institutions, including student loan servicers, protect consumer financial information from unauthorized access.

Details of the Violation : My personal and financial data related to my student loans was accessed by a third party without my authorization. 
This unauthorized access indicates a failure of my loan servicer and/or the XXXX XXXX XXXX XXXX to properly safeguard my data as required under XXXX XXXX XXXX. 
As a result, my financial security has been compromised, exposing me to potential identity theft and financial fraud. 

Breach of Duty and Consumer Rights Violation : XXXX XXXX, student loan servicers and financial institutions have a legal duty to maintain safeguards to protect sensitive consumer information. The failure to prevent unauthorized access to my records represents a breach of that duty. Additionally, this constitutes a violation of my consumer rights, warranting immediate corrective action. 

Requested Actions : Immediate investigation into how my student loan information was accessed by an unauthorized third party. 
Accountability for the responsible parties, including potential enforcement actions or penalties against the institution ( s ) that failed to secure my data.

Immediate cancellation and full discharge of my student loan debt as a remedy for this breach of contract and failure to protect my private financial information.

Written confirmation of the measures being taken to ensure this type of privacy violation does not occur again. 

Given the serious nature of this breach, I request a prompt response and expect a written resolution within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2025-02-12 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: NC

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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