vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAS LaVrar, LLC
State: SC

Complaint narrative:
XXXX XXXX-Present. My family member was handed served paperwork of XXXX trying to sue me on XXXX accounts- a XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. I responded to a notice I received from RAS LaVrar LLC disputing the information and requesting documentation from the original creditor on XX/XX/year>. Which I never received. I have tried to access the XXXX portal to update my cell number and could not access it. I called to try call and update my contact number and was transferred a XXXX XXXX XXXX wanted payment. The minimum payment of both cards were more than could afford and they would not accept anything lower on the website. XXXX is forced paperless. I can not check my account or verify if this is correct. I was constantly routed through the phone system to personal I could barely understand. This is the XXXX  complaint I have written. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DE

Complaint narrative:
Since 2020 I have contacted Experian requesting the correct reporting of my XXXX XXXX credit card ( last XXXX of # XXXX ). Account is not closed nor in bankruptcy. Account is open and current.

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 2025-02-27 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:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION REPORTING.

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 2025-02-27 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:
I recently reviewed a copy of my Equifax credit report. I noticed that I have a fraudulent account reporting on my Equifax credit profile. The name of this fraudulent account is " XXXX BANK ''. The account number for this fraudulent account is " XXXX ''. Please remove this account immediately. This fraudulent account is hurting my ability to obtain credit. See attached. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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 looked at my credit recently and i became aware that i was a victim of identity theft and i called the bureaus and some of the creditors and they requested that i file a fraud affidavit. so here it is

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 2025-02-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
From XXXX all the way to XXXX Wells Fargo allowed its employees to open accounts and Identity theft credit reporting service without authorization from myself. It used a third party company that was also privy to my my personal information that then was most likely used by other company without my consent or authorization. The company didn't inform me until XX/XX/XXXX. The amounts that was taken was a monthly fee that they could not provide. They offer a settlement for the un-authorization use for Identity theft service. But never addressed the opening and closing of accounts.

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 2025-02-27 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: NC

Complaint narrative:
I visited the ER at XXXX XXXX 2 years ago and paid in full the day of my visit as I do not have insurance. I never received a bill until it was already in collections. XXXX separate companies have contacted me about this debt. Each one I wrote physical letters with receipts to in order to dispute the information, as is instructed on their letters. I never received any return information from any of these companies. They have most recently reported this to XXXX of which I have filed numerous disputes. I will continue to fight this as I know that I have been double charged. XXXX XXXX has been sued multiple times for double billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MI

Complaint narrative:
I am writing to formally to express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible. The CFPBs findings indicated that zelle not only neglected to protect customers 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am exhausted with wasting postage, paper, time and resources for this issue with Experian to be resolved. The last response I received is attached. 

In their response they wrote " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. '' This is a direct effort to ignore my complaint. I sent a copy of my picture ID to show proof of my identity as requested. 

I am further frustrated that the CFPB is supposed to provide oversight and there is nothing being done to enforce the law here. 

I have another active complaint filed with the CFPB against EXPERIAN and the complaint is just sitting there. 

EXPERIAN is now attempting to have me either call or using their online system to address the issue, which I refuse to do as I want everything in writing so that I have a copy. 

Here is the complaint number that has already been filed and unanswered XXXX against EXPERIAN. 

Additionally, I included another letter that I sent using XXXX to send the letter certified to have documentation that EXPERIAN is receiving my disputes and ignoring them.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-27 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: NY

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 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 2025-02-27 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:
On-and-off for over year, I have not been able to login to my account at Equifax. I was able to login 5 months to freeze my account and update my personal contact information at my end. Since then, I had resorted to contacting customer service at Equifax, and was prompted to answer security questions. None of the security questions apply to my credit file, so I was not able to log in with customer services. 
As of today-like the past 60 days, I was able to login by myself ; once more none of the security question apply to me. And from the broken English representative in the past ; I had to unlock my freeze at my end. Please advise, I will contact FTC, XXXX XXXX in addition to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Collection company Kimball Tirey St. John is also a Law firm. They are fully aware that this issue is a landlord tenant problem. The landlord sent some charges that I had a law firm dispute. XXXX XXXX the creditor never provided proof, and did not take us to court. For instance the carpet in XXXX bedroom needed stretching, as it was lumpy. When we moved they got new carpet and billed us for it. The master bedroom had mold that went from the bathroom into the bedroom. There was dirt in the carpet from us walking the mold from the bathroom into the bedroom. I supplied a mold report from a professional. They didn't remediate but when we moved they replaced the carpet and billed it to us for move out fees. This is the billing they have came up with. There were XXXX of us financially responsible, and yet on the credit reports they have stated on each of ours that it is an individual bill. That is the only way that they would have been able to report it illegally, as they didn't have a court order stating they were the prevailing parties. They have also included it on my adult special needs daughters report, when they know I am her conservator. This law firm is acting as a collection company also, and is ethically challenged if not outright violating several laws. We have disputed all of our credit reports to no avail, as Kimball continues to state it is a bill, when they know it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have written letters for years to Experian for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back to XXXX, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank 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 explanation
Consumer complaint received 2025-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
- Inquiry Date : XXXX XXXX - Company Name : XXXX XXXX XXXX  - Inquiry Date : XXXX XXXX -Company Name : Capital One Via Dealer - Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX -Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Company Name : Captial One Bank -Inquiry Date : XXXX XXXX -Company Name : XXXX XXXX -Inquiry Date : XXXX XXXX XXXX Name : XXXXXXXX XXXX XXXX -Inquiry Date : XXXX XXXX -Company Name : Capital One Bank USA -Inquiry Date : XXXX XXXX -Company Name : Capital One Bank USA I have contacted all the companies listed in connection with these hard inquiries to inquire about their legitimacy. Despite my efforts, none of these issues have been resolved, and the hard inquiries are still showing on my credit report. 

These inquiries are unfamiliar to me, and I have not authorized them. I have made multiple attempts to resolve this matter directly with the companies involved, but they have not provided a satisfactory resolution or removed the inquiries from my credit report. 

I am requesting your assistance in addressing this issue and ensuring that the unrecognized hard inquiries are investigated and removed if they were made in error or without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding a collection agency assumed this debt from XXXXXXXX XXXX XXXX and has responded to the CFPB as of date advising of the validity of said debt. To date I have requested a copy of a signed agreement between myself and XXXX XXXX XXXX on this debt to no avail. The is debt is over seven years old and XXXX XXXX XXXX advised it has written of this debt as charge off. How can LVNV funding now assume said debt without a valid contractual agreement signed by me from the original creditor? Providing a letter with the original creditor advise ment of payments is not an agreement or contract signed by me. I do not owe this debt and will not pay until I have received a copy of the original signed contract from XXXX XXXX XXXX  validate the debt is owed by me. Please request a copy of the original contract and the year this charegoff occurred to validate LVNV Funding right to collect on this debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-02-27 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: IL

Complaint narrative:
I recently got a copy of my credit report and noticed multiple closed accounts on my credit report. Under the Fair credit reporting Act ( FCRA ) and metro 2 guidelines all information provided to the credit bureau must be Accurate, complete and verifiable.The following closed account appears on my credit report, yet there are inconsistencies in its reporting : XXXX XXXX XXXX XXXX XXXX This accounts does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records.

misterlete sy trealer infomation about this closed account is present, which Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that these closed account entry be deleted from my report within 30 days, or I will take further action with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
Thank you for addressing this matter promptly.

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