vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date of Birth ] Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX [ Date ] To Whom It May Concern, I am writing to formally dispute the alleged debt associated with the account listed below, in accordance with the provisions of 15 USC 1692g and 1692c under the Fair Debt Collection Practices Act ( FDCPA ). As a consumer, I request validation and verification of this debt to confirm its legitimacy. 

Account Information : Creditor Name : XXXXXX/XX/XXXX Balance : {$2700.00} Opened : XX/XX/scrub> 2024 I am requesting that you provide the following information to validate this debt : 1. A copy of the original signed contract or agreement between myself and the original creditor.

2. An itemized statement of the account, including the principal amount, any interest, fees, or charges applied.

3. Proof that your agency is legally authorized to collect this debt on behalf of the original creditor.

4. Proof that I have a contractual obligation with Sunrise Credit Services regarding this debt.

In compliance with 15 USC 1692g, I am invoking my right to request verification and dispute the validity of this debt. Until such time as the debt has been validated, I request that you cease all collection activities, including reporting this account to any credit reporting agencies.

Additionally, under 15 USC 1692c, I request that you may contact me either via written correspondence sent to my mailing address or by email at [ Your Email Address ].

If you fail to validate this debt as required by law, I expect you to remove all references to it from my credit reports with XXXX, XXXX, and XXXX, as reporting unverifiable debts constitutes a violation of the FDCPA. 

Please note that any further communication from your office must comply with federal regulations, and I reserve the right to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) should you fail to comply with this request. 

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

Sincerely, [ Your Full Name ] [ Your Contact Information ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
My XXXX credit score is around XXXX +/- as my debts are paid in full every month. I made the mistake of answering the first call as I was expecting a call from someone not in my contact list and I didn't know the number from which they would call. That's how Portfolio Recovery figured out that " someone is home ''. I've blocked their number on my XXXX but they call back. They must have the wrong name or number but I don't want to get into an argument with knuckleheads. The number they call from is ( XXXX ) XXXX and the callerID shows " XXXX ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX Subject : Dispute and Request for Documentation and Removal of Late Payment History on Charged-Off Accounts for XXXX XXXX DOB XX/XX/XXXX XXXX Last 4 SS XXXX Dear Dispute Resolution Team, I am writing to formally dispute the reporting of XXXX charged-off accounts on my credit file. Although these accounts have been marked as closed by the original creditors, they continue to appear on my credit report, along with a history of late payments, which I believe is inaccurate. I respectfully request that the resolution team review and provide documentation supporting the charged-off status, as well as remove the late payment history associated with these accounts. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX  o Account ending in XXXX o Balance : {$15000.00} XXXX. Bank XXXX XXXX XXXX XXXX XXXX Account ending in XXXX o Balance : {$27000.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX o Balance : XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers are protected from inaccurate reporting and unauthorized sharing of personal and financial data. Section 604 ( a ) stipulates that personal information, including details related to closed accounts, can not be disclosed to third parties, including credit bureaus, without explicit consent. As I have not authorized the release of information on these closed accounts, I request that TransUnion investigate and provide any documentation or agreement justifying the continued reporting of these accounts, including any record supporting the history of late payments. 

In addition, please remove any reported late payment history on these accounts from my credit file, as it unfairly impacts my creditworthiness and does not accurately reflect the closed and charged-off status of the accounts. 
I appreciate your prompt attention to this matter and request a response with your findings and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for being so cooperative in maintaining accurate credit reporting. 

Sincerely, 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 2025-01-22 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XX/XX/XXXX Subject : Dispute and Request for Documentation and Removal of Late Payment History on Charged-Off Accounts for XXXX XXXX DOB XX/XX/XXXX XXXX Last 4 SS XXXX Dear Dispute Resolution Team, I am writing to formally dispute the reporting of XXXX charged-off accounts on my credit file. Although these accounts have been marked as closed by the original creditors, they continue to appear on my credit report, along with a history of late payments, which I believe is inaccurate. I respectfully request that the resolution team review and provide documentation supporting the charged-off status, as well as remove the late payment history associated with these accounts. 

The accounts in question are as follows : XXXX. XXXXXXXX XXXX XXXX o Account ending in XXXX o Balance : {$15000.00} XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX Account ending in XXXX o Balance : {$27000.00} XXXX. XXXX XXXX  XXXX XXXX XXXX Account ending in XXXX o Balance : XXXX Under the Fair Credit Reporting Act ( FCRA ), consumers are protected from inaccurate reporting and unauthorized sharing of personal and financial data. Section 604 ( a ) stipulates that personal information, including details related to closed accounts, can not be disclosed to third parties, including credit bureaus, without explicit consent. As I have not authorized the release of information on these closed accounts, I request that XXXX investigate and provide any documentation or agreement justifying the continued reporting of these accounts, including any record supporting the history of late payments. 

In addition, please remove any reported late payment history on these accounts from my credit file, as it unfairly impacts my creditworthiness and does not accurately reflect the closed and charged-off status of the accounts. 
I appreciate your prompt attention to this matter and request a response with your findings and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for being so cooperative in maintaining accurate credit reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time I found unexpected discrepancies. I even refreshed my browser to see if it was just a temporary glitch, but the inaccurate accounts remained. Given this situation, I request a thorough review of the documents I have provided to ensure I won't have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

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 2025-01-22 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX has been holding my account against me since late XX/XX/XXXX. I have repeatedly sent documents over and over through the mail through fax they got approved one time and then the fraud department actually said they were approved but they needed to be submitted for a second time to be evaluated. I don't understand why and then I spoke with a supervisor and he basically said it doesn't matter that I submitted my documents he said that he just don't believe that I am XXXX XXXX and that he spoke to the real XXXX XXXX and that he stated that he did not apply for this account which that could not be true because I am the real XXXX XXXX and this is XXXX or XXXX months ago when I received that call. The manager also stated that this account will be closed because this is a fraud application so now it is 2025 and this account is still open and I have a past due balance that I can not pay because I am restricted from my online account and it is causing my credit score to drop lower and lower so I am requesting that the recorded phone calls get sent to me or to the financial protection bureau and someone needs to investigate this because this is going on too long my account has been restricted for XXXX months it doesn't make any sense at all. This company XXXX is discriminating me due to the sound of my voice and that they don't believe I am who I say I am because of the way that I sound he said I do not sound like a XXXX XXXX XXXX man I said what does a XXXX XXXX XXXX man sound like he said not like you so this is discrimination so I would like for all the phone calls to get pulled please and investigate it

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 2025-01-22 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: TN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-22 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: GA

Complaint narrative:
Experian has failed to fulfill its illegal 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 Experian, 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 Experian 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 Experians inaction violates federal law and my rights as a consumer.

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 2025-01-22 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally express my concerns regarding Zelle, a peer-to-peer payment service, and its practices that I believe have contributed to significant harm to consumers, including myself. These concerns relate to Zelle 's lack of adequate consumer protections, its handling of fraudulent activity, and its compliance with federal regulations. 

It is my understanding that Zelle, despite its widespread use and integration with major banks, has failed to implement sufficient safeguards to protect users from unauthorized transactions and fraudulent schemes. As a consumer, I trusted the platform to provide a secure and reliable service. However, its policies and practices place an unreasonable burden on users, particularly when fraud or unauthorized transactions occur. 

Specifically, I am concerned that Zelle has not consistently adhered to Regulation E under the Electronic Fund Transfer Act ( EFTA ), which is designed to protect consumers from unauthorized electronic fund transfers. Many consumers, myself included, have experienced situations where Zelle and its participating banks have denied responsibility for fraud or unauthorized activity, leaving users financially vulnerable and without recourse.

These practices raise serious questions about Zelles accountability and the financial institutions that endorse and integrate its services. The platforms current framework appears to favor expediency over consumer protection, with dispute resolution mechanisms that are insufficient, opaque, and often unfair to users.

As part of a growing number of consumers affected by Zelles actions or omissions, I am compelled to pursue all appropriate legal remedies to seek justice and accountability. I strongly urge the CFPB to take immediate action to ensure that Zelle and its affiliated financial institutions comply with all applicable laws and regulations, implement stronger fraud prevention measures, and provide clear, equitable dispute resolution processes. 

Thank you for addressing this urgent matter. I look forward to your prompt attention and any updates regarding your investigation into Zelles practices. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX Filing # : XXXX Subject : DEMAND for Immediate Removal of Charge-Off Accounts and Bankruptcy Reporting Complaint Details : I am filing this complaint regarding the unlawful and inaccurate reporting of charge-off accounts and bankruptcy on my credit reports. These actions are in direct violation of consumer protection laws and IRS regulations, and they infringe upon my rights as a consumer and a secured party. 

Charge-Off Accounts : Under IRS regulations , charge-off amounts are classified as income and not as outstanding debt. Reporting these accounts on my credit report is deceptive, misleading, and a blatant violation of the Fair Credit Reporting Act ( FCRA ). Once a debt is charged off and reported as income for tax purposes, it is considered satisfied. Continuing to report these accounts as derogatory entries on my credit report is illegal and has caused undue harm to my financial standing.

Bankruptcy Reporting : I did not provide consent for any bankruptcy to be reported on my credit report. This reporting constitutes a violation of my rights under consumer protection laws. The unauthorized reporting of this information is defamatory and damaging to my financial reputation.

Resolution Demanded : To resolve this matter, I demand the following actions : Immediate and permanent removal of all charge-off accounts from my credit report. These accounts are improperly reported as debts when they are considered income by the IRS.

Immediate and permanent removal of any bankruptcy information reported without my explicit consent.

Written confirmation from the credit reporting agencies and the creditors involved that my credit reports have been corrected and brought into full compliance with the law.

Failure to address these issues promptly and in compliance with the law will leave me no choice but to escalate this matter further. I will file additional complaints with the Federal Trade Commission ( FTC ), state attorneys general, and other regulatory bodies, and pursue legal action if necessary.

This matter requires your immediate attention. I expect a full response and resolution within 30 DAYS Thank you for addressing this serious issue promptly and ensuring compliance with all applicable laws. 

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 non-monetary relief