vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was scammed by an individual who claimed they worked for XXXX. They provided compelling documentation to prove their partnership with the business. They managed to obtain approx XXXX grand from me through Zelle transactions. I contacted my bank and sent them proof of me being scammed, as well as threats against my life and defamation of character. When I refused to send the scammer more money, and when I attempted to take back my money, they hacked into my phone and took intimate images of me as well as legal documents I had saved in my files. They sent me proof of the inmate images, threatening to use them against me. I shared this proof with my bank, and reported it to Zelle. Neither establishment agrees its impersonation or fraud due to a clause in Zelles contract that states Im supposed to know who Im sending the money to. Zelle recommended that I speak with the scammer to negotiate terms. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX Charter Communications need to locate phones that were sent back to the by XXXX. 
These phones were never activated. I was charged for the phones. I was charged for lines activated {$49.00} several times. I was threaten to activate phones. I did not ever activate they took the money that was for the purchase of one phone acct XXXX XXXX no refunds for anything including phone lines that never existed. CBE collection group has started calling and threating to damage my credit. I have no choice but to give this to you for them creating false statements. 

Please reference prior statement XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called JPMCB ( chase ) on XX/XX/year> at ( XXXX ) XXXX XXXX XXXX time on a recorded line. The agreement was to pay the settlement amount of {$270.00} in exchange for a pay-to-delete from my credit report. We made the agreement and I went through with the transaction on that date. Once I noticed my credit account was changed to settled and not removed I called chase back only to be told they dont provide pay to delete options. I consider this deceptive practice and they should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am writing to formally dispute inaccurate credit reporting from Transunion, Equifax, and Experian. Additionally, I am writing to understand how Transunion, Equifax, and Experian gather credit information, how long they are required to keep closed records on file, and the formula for generating a credit score. 

After pulling my credit report from all three companies and the following was discovered. 

Credit Score # of Credit Accounts # of Closed/Sold/Transferred Accounts Transunion XXXX XXXX XXXX Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX As you can see my credit scores, number of accounts, and the number of closed accounts vary between each company. Why and how does this happen? 

I have written to all three credit reporting agencies requesting the inaccurate information be removed from my credit history. I filed XXXX XXXX solely to secure a court date after a summary judgment was wrongfully entered against me by XXXX XXXX XXXX. This legal action allowed me to proceed to an appeal in XX/XX/XXXX. The appeal case, XXXX, ultimately overturned the summary judgment on XX/XX/XXXX. Following this, I requested a dismissal of my XXXX  XXXX case, which was approved on XX/XX/XXXX. Throughout this entire process I maintained my financial obligations, continuing to pay all my bills. My consistent XXXX  years of credit behavior reflects my financial responsibility. 

Finally, I want to highlight that I am not a typical borrower in terms of credit reporting. Over the years I have managed and grown a portfolio of XXXX companies, which involved numerous requests for credit. Through these efforts, I have provided over XXXX jobs throughout my career and I have consistently demonstrated a track record of growth and financial responsibility. Given this history, I would argue that my creditworthiness can not be judged purely by traditional credit score metrics, especially when it comes to larger amounts borrowed. I am open to discussing this further and would welcome the opportunity to explain how my unique business structure and history impact my financial decisions.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX. I am writing to formally dispute inaccurate credit reporting from Transunion, Equifax, and Experian. Additionally, I am writing to understand how Transunion, Equifax, and Experian gather credit information, how long they are required to keep closed records on file, and the formula for generating a credit score. 

After pulling my credit report from all three companies and the following was discovered. 

Credit Score # of Credit Accounts # of Closed/Sold/Transferred Accounts Transunion XXXX XXXX XXXX Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX As you can see my credit scores, number of accounts, and the number of closed accounts vary between each company. Why and how does this happen? 

I have written to all three credit reporting agencies requesting the inaccurate information be removed from my credit history. I filed XXXX XXXX solely to secure a court date after a summary judgment was wrongfully entered against me by XXXX XXXX XXXX. This legal action allowed me to proceed to an appeal in XX/XX/XXXX. The appeal case, XXXX, ultimately overturned the summary judgment on XX/XX/XXXX. Following this, I requested a dismissal of my XXXX  XXXX case, which was approved on XX/XX/XXXX. Throughout this entire process I maintained my financial obligations, continuing to pay all my bills. My consistent XXXX  years of credit behavior reflects my financial responsibility. 

Finally, I want to highlight that I am not a typical borrower in terms of credit reporting. Over the years I have managed and grown a portfolio of XXXX companies, which involved numerous requests for credit. Through these efforts, I have provided over XXXX jobs throughout my career and I have consistently demonstrated a track record of growth and financial responsibility. Given this history, I would argue that my creditworthiness can not be judged purely by traditional credit score metrics, especially when it comes to larger amounts borrowed. I am open to discussing this further and would welcome the opportunity to explain how my unique business structure and history impact my financial decisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perpay, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting of charged-off accounts on my credit report. According to the Internal Revenue Service ( IRS ), an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. 

I originally sent a certified letter requesting a 1099-C ( Cancellation of Debt ) form for the following charged-off accounts : XXXX XXXX XXXX If this account has been sold to another lender or collection agency, it can no longer be reported as a charge-off on my credit report. Therefore, I am requesting that you provide the 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Purchased in XX/XX/XXXX. In XXXX ( less than a year ) I Did an involuntary repossession on the vehicle.The Vehicle broke down due to electrical issues. Lendmark financial was the loan company who partnered with XXXX XXXX. Both parties didnt commit to fixing the issue. I only had the car less than a year. After the repossession, the car was sold, but they still have it on my credit. When I reached out to them. She said they sold the vehicle, but still needed back payment, and the amount it cost to fix it. But you wouldnt fix it for me to continue payment, I even offered for it to be added to the loan. But they said no. These type of companies set you up to fail. They put you in a car with high miles, high interest rates, knowing it wont last past the loan term!! Thats how the car business is set up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
On XX/XX/2025. I contacted the customer service team about removing late fees from my credit card account. So it was done but in the process of so, she attempted to submit a payment in the Amount of XXXX. Which the system rejected because I had already submitted a payment for XXXX to be scheduled for the XXXX. Of XXXX. So the representative says you already have a payment scheduled so the system rejected the payment that she tried to make. But unfortunately the payment was submitted and went through my bank account and got returned because of insufficient funds. I have XXXX bank accounts on file and she submitted the payment with the wrong bank account. Which I explained to the representative that I dont use that bank account anymore. The payment that I submitted for the XXXX is my new bank account. She made the mistake of sending the payment to the wrong bank account. Now they said that the returned payment was my fault and they have closed my account.. So the payment that I scheduled and submitted it was paid successfully. But the mistake was on the representative that submitted the payment and they fail to take accountability for they actions and putting me and my bank at fault. Thats not fair in my opinion. They are covering up their actions from their people who are responsible Yes I admit that I have had XXXX return payments back in XXXX on my account do to me being out of between jobs.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2025-03-18 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: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Student loan dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Loan Servicer or Department of Education, I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted alleged loans eligibility, terms, or disbursement. Under FERPA I have the right to privacy and accurate record keeping regarding my educational history. 


Upon reviewing records, I have identified discrepancies/ misuse, identity theft/misuse of my educational information, including but not limited to : all credit accounts showing in XX/XX/XXXX all accounts up to date and updated for XX/XX/XXXX. Accounts wrongly show 90 day delinquent which is inaccurate. All accounts are showing unpaid/balance which is incorrect and fraudulent. XXXX and XXXX have both been servicers of the XXXX XXXX XXXX XXXXXXXX. These incorrect and unauthorized RELEASE OF EDUCATIONAL RECORDS, unpaid balances/postings loan disbursements are all FRAUDULENT according to FERPA regulations and consumer protection laws. This has affected my credit scores negatively in a huge way and impacted me due to denial of credit and has left me in a financial deficit.

1. ) I request a FULL review of these student loan records, removal of all errors caused by improper record-keeping, and data misuse.

2. ) A correction or deletion of accounts, amounts and balances.

3. ) Proper written confirmation of the finds with authorized documentation/verified in detail within 30 days.

CFPB/FTC complaints are also notified by complaint of this misconduct. Also filing 1099 's with the IRS. 


Best Regards XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I don't know who they gave my information to but not only have the original company been harassing me day and night they had a third party to do so. and they don't care what time they call sometimes its after XXXX and before XXXX. I've asked all parties not to contact me again. They then threaten me with legal action. 

The 15 U.S.C. code 1692 ( c ) ( cc ) states the following123 : A consumer can cease communication with a debt collector in writing.

A debt collector must assume a convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX  XXXX  local time at the consumers location. 
Without the prior consent of the consumer, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: CA

Complaint narrative:
You guys sent me a letter for a debt to be paid. But it's not mine. The name on it is not me. For an address that I've never lived at. But somehow y'all have my email for this random person.

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 2025-03-18 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Referance number/Case ID XXXX XX/XX/year> - XXXX. 

I have been victim of Scam through email since they ( scammer ) were pretending as legitimate Job offer. They asked me to pay their vendor to deliver the homeoffice stuff such as laptop, cell phone, desk. chair etc. It was remote work position and they sent me the first check of {$6400.00} ( turned out to be returned later ) and asked me to deposit the check via XXXX XXXX XXXX XXXXXXXX XXXX ) mobile app immediately. Which I did rightaway. Next morning which was Saturday XX/XX/year> I rushed to XXXX XXXX XXXXXXXX and performed the wire transaction of {$6500.00}. Next week Monday evening I noticed this job offer is scammed and XXXX XX/XX/year> reported to XXXX fraud department to halt this wire transaction if possible. In the meantime the Funds were went out from my account and deposited to scammer account in Wells Fargo. I opened the case with XXXX and they reached out to Wells Fargo on XXXX XXXX and Wells fargo still working on this issue/case as of to date. My point is kindly reach out why XXXX took few day to inform the Wells Fargo about the scam transaction Secondly, Please ask the Wells Fargo to provide the update on progress of the case. XXXX sent a reminder to XXXX XXXX on XX/XX/year>. They have not heard back anything form Wells Fargo. I am still unsure that the Funds will be recovered or not? I would be appreciated this effort from your end and hoping will get something in favour. 

Referance number/Case ID XXXX XX/XX/year> - XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief