vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. Disputed Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. A written explanation of the actions you have taken to resolve this issue. Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within 30 days from the date of this letter. If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. Thank you for your prompt attention to this matter. I look forward to your timely response. 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 2025-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The collection company for the creditor calls everyday, sometimes twice a day, and also on weekends, which is very inconvenient. I included screenshots of the number of calls and the dates and times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Correspondance dates : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount : {$18000.00} This information is inaccurate information. 



I am writing to address the subject of the aforementioned accounts and transactions. 

As you are aware, the vehicle in question was repossessed by XXXX XXXX in the State of [ Your State ] on or about [ Date of Repossession ], and subsequently resold. 

It is imperative to note that in accordance with the laws of the State of Georgia, specifically UCC [ Your State 's UCC Code ], as well as State RISA and MVISA statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. 

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies. 

I expect a prompt response to this matter, and I thank you for your attention to this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear Equifax XXXX XXXX XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not priore as no ted right This or ony i can validate this de 5. do not valhale ere to notify me of this in witing 5 days XXXX XXXX XXXX XXXX ***- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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 follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute the inaccurate information appearing on my credit report in accordance with 15 U.S. Code 1681o, which holds that consumer credit reporting agencies must ensure the accuracy and fairness of credit reporting. The following accounts, listed as negative, are incorrect, and I request an immediate investigation and resolution of these errors : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) After reviewing my credit report, I found that these accounts are incorrectly reported as negative. I believe these accounts are either erroneous or have been reported in violation of the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S. Code 1681i, I request that you investigate these accounts and remove any inaccurate information within the legally prescribed 30-day period. If you can not verify the validity of these accounts, I kindly ask that they be removed from my credit report. 

Please notify me of the results of your investigation, and provide a corrected copy of my credit report if changes are made. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AL

Complaint narrative:
Some of the information listed is cause for concern! These unauthorized accounts pose potential damage to my credit standing and financial future. I request prompt removal of the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had my XXXX student loans refinanced in XXXX of 2024. I did not realize until XX/XX/year> that I had received XXXX reimbursement checks from them for overpayment ( XXXX checks for the XXXX loans ). The amounts for the checks were : - {$250.00} - {$120.00} - {$100.00} - {$110.00} - {$240.00} - {$180.00} - {$200.00} - {$71.00} I attempted to deposit these checks into my Chase checking account at the same time through mobile deposit on the phone app. I was advised that day, XX/XX/year>, that Chase had restricted my account and would be closing it if the issue wasn't resolved.

I contacted Chase and was advised of what the problem was. I was told by the employee in customer service that due to the amount of checks, they needed to verify the checks with the issuer ( XXXX ) to ensure that they weren't fraudulent. The individual attempted to contact XXXX through a " verified '' phone number but had no success. I recommended the phone number provided on XXXX 's website and on the letters sent to me with the checks but the individual advised that the phone number was not verified. 

I contacted XXXX to see if they would be able to contact XXXX but they advised that they would not be able to as I would need to be present for the conversation. I requested that XXXX or XXXX of the checks be cancelled and new ones be reissued. The individual I spoke with stated she would put in a request. 

Not long after, I noticed that my Chase checking account was closed. I contacted Chase who advised that it was closed due to fraudulent activity. I, again, requested the individual attempt to verify the checks with XXXX but again, the " verified '' phone number was not working. 

I went into a Chase location and met with a banker. He personally contacted the Fraud department and confirmed the issue I was having. He advised the individual on the phone that he was looking at XXXX 's website and it provided a different phone number than they had " verified ''. The individual on the phone advised that as the actual phone number is not verified, it can not be used. She did advise the banker that they would be trying daily to contact this phone number. I was advised that the funds from the checks would be held by Chase until it could be verified.

After reaching a dead end with Chase, I contacted XXXX again to see about cancelling the checks again. They advised me that the checks were cashed by XXXX and that they were unable to cancel them. 

Attached are my XXXX statement from XXXX showing the payment from the company who refinanced the loans as well as the refund payments sent from XXXX, A screenshot from XXXX showing these same amounts, and XXXX of the XXXX letters ( XXXX got destroyed while moving ) that were sent with the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX XXXXXXXX XXXX XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not priore as no XXXX right This or ony i can validate this de XXXX do not XXXX XXXX to notify me of this in witing 5 days XXXX XXXX XXXX XXXX ***- Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed 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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account that appears on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and the removal of this account if it can not be verified as 100 % accurate and compliant with federal consumer laws.

The account in question is as follows : Creditor/Collection Agency Name : Midland Credit Management Account XXXX : XXXX Date Reported : XX/XX/year> Under the FCRA ( 15 U.S.C. 1681 ), all information reported to credit bureaus must be completely accurate, verifiable, and fair. If the furnisher of this information can not provide documented proof that this debt is valid, belongs to me, and was reported in strict compliance with all relevant laws, then it must be permanently deleted from my credit report. 

Furthermore, I request that you provide : 1. Evidence that this debt is legally enforceable, including the original signed contract.

2. Proof that the entity reporting this debt has the legal right to collect it.

3. Documentation showing that this account has been reported with complete accuracy.

If you are unable to provide the requested documentation within the 30-day investigation period, you are legally required to delete this account from my credit profile under FCRA guidelines XXXX 

Please send me written confirmation of the results of your investigation. If this account is not removed, I demand a detailed explanation and all supporting documents used to verify its legitimacy. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Date ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this importantmatter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion due to their failure to properly investigate and correct inaccuracies on my credit report as required under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute with supporting documentation, TransUnion has continued reporting inaccurate and unverifiable information, which is negatively affecting my credit profile. 

I formally disputed the following accounts with TransUnion, requesting the removal of inaccurate late payments and fraudulent accounts : XXXX - XXXX The late payments associated with this account are inaccurate. I request the removal of all negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments on this account are incorrect. An investigation will prove the inaccuracy. I request their removal while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX The late payments on this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX - XXXX The late payments reported on this account are incorrect. I request their removal while keeping the account open. 
XXXX XXXX - XXXX The late payments associated with this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX - XXXX The late payments reported on this account are incorrect. I request their removal while keeping the account open. 
XXXX XXXX XXXX XXXXXXXX The late payments associated with this account are inaccurate. I request the removal of negative payment history while keeping the account open. 
XXXX XXXX XXXX  - XXXX The late payments on this account are incorrect. I request their removal while keeping the account open. 
Despite citing multiple FCRA violations, TransUnion has failed to : XXXXonduct a proper investigation as required by Section 611 ( 15 U.S.C. 1681i ) of the FCRA.

Verify the accuracy of the disputed accounts.

Ensure compliance with Metro 2 reporting standards. 
Remove unverifiable or fraudulent accounts. 
If TransUnion does not delete these inaccurate items, I intend to escalate this matter further, as their failure to comply with federal laws has had a detrimental impact on my financial standing.

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
am writing to file a formal complaint regarding a debt collection issue. I have been contacted by [ Name of the Debt Collection Agency ] in relation to an alleged debt that I believe is incorrect or has been mishandled. Below are the details of my dispute : 3. Alleged Debt Amount 4. Disputed Issue : dispute the debt I do not owe this debt, The amount is incorrect, The debt was paid, I was not notified properly, etc. ] 5. Actions Taken : i have sent over four disputes to the credit bureaus to resolve the issue, such as contacting the collector, requesting validation, e I believe the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits practices such as [ list violations, such as improper communication, harassment, failure to validate debt, etc. ]. Specifically, the issues I am experiencing include :

Company response to consumer: Closed with explanation