vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
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 acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Receivables Fund Incorporated
State: FL

Complaint narrative:
I just found out that Unifund XXXX XXXX  wiped out my XXXX XXXX account credit union account I can never use again for a credit card debt I was supposed to have 20 years ago. They took XXXX out of savings and XXXX out of checking. They said I had a judgement on XXXX but I had stopped paying on XXXX. I know nothing about this account. I may have had a card being paid and it said they were no longer taking payments for that account. It was 20 years ago and I have no clear memory about this account. 
number for unifund  is XXXX. I can't get a job. I have had to care take for my invalid mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding 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 also has allowed repeat offenders to exploit the systems, 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE RECEIVED THE REINVESTIGATION DISPUTE RESULTS FOR MY VERY SPECIFIC AND DETAILED DISPUTE I SENT TO YOUR COMPANY THROUGH THE CFPB TO DELETE THESE ACCOUNTS, BUT THE ACCOUNTS WERE STILL UPDATED AND VERIFIED AS ACCURATE. YOU WERE REQUIRED TO CONDUCT A REASONABLE INVESTIGATION, BUT THIS DID NOT HAPPEN, AS YOU FAILED TO DO ONE.

SEND ME A DESCRIPTION OF YOUR REINVESTIGATION PROCEDURES FOR EACH INDIVIUAL ACCOUNT LISTED BELOW. IF YOU CAN NOT GIVE ME THE DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE FOR EACH INDIVIDUAL ACCOUNT WITHIN 15 DAYS, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. 
DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " I OBJECT TO ANOTHER REINVESTIGATION, I REFUSE ANOTHER REINVESTIGATION ''

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 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
I received two letters from my credit card companies advising they were reducing my credit limits because of a collection notice on my credit report. Both cards were reduced significantly as a result - one went from {$6000.00} to {$200.00} and the other {$5500.00} to {$600.00}. 


That was the first time I heard of this collection so I looked at my credit report and there was a collection from Amsher Collection Services. After some research, I found out they were collecting on behalf of XXXX. This company has never reached out to me as required by telephone, mail or electronic communication before placing this account for collections which means they improperly reported a debt to a credit reporting company without meeting their obligations under the Fair Debt Collection Practices Act ( FDCPA ). 


Also, the amount they are reporting is inaccurate. The amount that XXXX provided via my last bill doesn't align with what they are saying I owe.I paid the amount that was on the bill that XXXX provided ( {$590.00} ) on XX/XX/year>XXXX  and the company is now reporting I owe {$75.00}. I never received anything else after that bill from XXXX or this collection agency. 

I called XXXX XX/XX/year> at XXXX XXXX asking for a explanation of the balance and they advised it's not their balance but the collection agencies. They couldn't provide me a bill because they said they didn't charge me. The collection agency essentially changed the amount owed and did not take the necessary steps to make me aware of the debt before adding it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CPFA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
The XXXX Bank charge off for {$610.00} is fraudulent and is inaccurate information that needs to be removed IMMEDIATELY XXXX XXXX charge off on my credit report is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Request to Remove Inaccurate Information and Restrict Use of Personal Data Ive requested that LexisNexis put a block on my account since XX/XX/XXXX and states that none of my personal information be sold or shared for any purposes. However, I found out on XX/XX/XXXX, that NexisLexis still continues to share inaccurate information, still backdating to 5 years. The inaccurate report has caused me to be denied and or receive fair credit analysis by a creditors. The most recent inaccurate information was obtained by XXXX XXXX, who disclosed Nexis Lexis reports that I had an accident on XX/XX/XXXX, when in fact I was a pedestrian who was hit by an uninsured motorist, also inaccurately reported by XXXX XXXX XXXX. I kindly ask that these matter be investigated and that ALL inaccuracies be corrected and removed promptly. 

Furthermore, I would like to assert my right to privacy by requesting NexisLexis stop violating my rights my personal information that they do NOT have any permission to share or own any rights to not be used, sold, or shared in any form. To my knowledge, I have not granted LexisNexis permission to collect, use, or distribute my personal information, and I ask that you ensure this restriction is upheld. 

In addition to the above, I request that a block be placed on my file to prevent further dissemination of any information without my explicit consent. Please confirm receipt of this request and provide an update on the actions being taken to address my concerns. 

NexisLexis negligence in reporting inaccurate information have caused distress, excessive insurance charges, mental anguish and violates my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
Money was transferred thru Zelle to wrong XXXX and couldnt get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Complaint Regarding Deceptive Debt Collection and Financial Hardship I am submitting this complaint regarding deceptive and unfair debt collection practices by XXXX XXXX XXXX. The company charged off my auto loan but failed to provide me with a XXXX form as required by law, which has caused significant financial and legal complications. 

Additionally, XXXX XXXX XXXX improperly shared my personal and financial information with a towing company without my consent, resulting in the loss of my vehicle and {$1500.00} worth of personal tools that were inside at the time of repossession. I was never notified about the charge-off process nor given an opportunity to reclaim my belongings. 

As a direct result of their actions, I lost my job, which I had worked hard to secure during the XXXX pandemic. The financial hardship caused by the unauthorized debt collection and lack of proper documentation led to my inability to provide for my family. Due to my job loss, I fell behind on my rent payments, and this ultimately resulted in an eviction, further damaging my credit and living situation. 

Supporting evidence from my credit report shows an entry from XXXX XXXX XXXX, which reflects my eviction and the financial impact caused by XXXX XXXX XXXX improper actions. This eviction has placed undue emotional and financial stress on my family, particularly my fianc, who was pregnant at the time. 

XXXX XXXX XXXX failure to provide the required tax documentation, mishandling of my personal information, and their failure to notify me about my rights to dispute the debt are clear violations of my consumer rights.

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Phone call states they are attempting to collect a debt. 
i do not recognize any claim they have against me. 
I will respond to legal papers served to me. 

XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX www.myjcap.com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Sent money thru cash app person no longer had same XXXX XXXX. Money was just sitting because recipient no longer had cash app. Couldnt reach a real person to try to get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX ignored disputes, leaving some people stuck with inaccurate information on their reports. 
Others had their scores dropped because XXXX didnt fix their mistakes, even after providing proof. 
XXXX is also accused of violating the Fair Credit Reporting Act ( XXXX  ), which requires them to ensure your report is accurate. 

XXXX XXXX C/O XXXX XXXX Original Creditor Company Sold Account Type : Installment Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Pays account as agreed Status Updated : XX/XX/XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX Last Payment Date : XXXX XXXX, XXXX Paid Off : 100 % Monthly Payment : {$0.00} Past Due Amount : Original Balance : {$520.00} Terms : 24 Months Responsibility : Individual Account Original Creditor : XXXX XXXX  Company Sold Account XXXX XXXX Collection Account Date Opened : XX/XX/XXXX Status : Unpaid Status Updated : XX/XX/XXXX Balance : {$220.00} Balance Updated Paid Off : 0 % Monthly Payment Past Due Amount Original Balance : {$220.00} Terms Responsibility : Individual Account Original Creditor Company Sold Account Type : Secured Loan Date Opened : XX/XX/XXXX Open/Closed : Closed Status : Paid, Closed Status Updated : XX/XX/XXXX Balance Balance Updated Last Payment Date : XXXX XXXX, XXXX Paid Off Monthly Payment Original Balance : {$520.00} Terms : 24 Months Responsibility : Individual

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 2025-01-21 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: IL

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 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To clarify this matter, please provide the following : XXXX. XXXX. XXXX. XXXX. 5. Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency.

Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ).

Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief