vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Dear Sir or Madam, I am formally disputing the accuracy and validity of the following accounts reported on my credit file. Under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a reinvestigation and the removal of any unverifiable or inaccurate information. 

The accounts in question are : XXXX. XXXX XXXX  ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX ( Account Number : XXXX ) Request for Verification Documents In compliance with 15 U.S.C. 1681i ( a ) ( 7 ), I am formally requesting that you provide all documents, records, and communications used in the verification process of these accounts, including but not limited to : The original creditor 's signed contract or application. 

Any written verification received from the data furnisher. 

All payment history and transaction records used in the investigation. 

Any correspondence between you and the creditor regarding this account. 


If you can not provide documentation verifying the accuracy of these accounts, you are legally required to delete them from my credit file immediately per the FCRA. 

Please confirm in writing once these accounts have been removed or provide me with all requested documentation. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
Hello, XX/XX/XXXX I took out a personal loan from XXXX for the amount of XXXX. An approx. total of {$3400.00} was made to this balance. After hitting some hard times having to take on medical bills for XXXX XXXX for my son, the payments to the account had paused for a few months. During this time my account had been sold to Velocity Investments LLC, then in turn had two different companies reaching out and sending collection correspondence to my address. I requested to be send a statement of payments for this account that did not originate with them. After receiving statement of payments I realized the payments were not consistent with the demanded balance and had started to dispute this balance that was apparent to be invalid. The original balance of {$13000.00} was sold for {$13000.00} after making approximately {$3400.00} in payments, according to the statements received. After many attempts of dispute and no resolve I received a summons on XX/XX/XXXX that was filed XX/XX/XXXX from the county clerks office that I am now being sued by this company that purchases debt ( Velocity Investments ) for pennies on the dollar claiming I was refusing to pay and that the " Plaintiff prays for judgement against Defendant ''. I am in desperate need of your help to investigate this issue so companies like this can no longer prey on the lesser fortunate for their own gain.

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 2025-02-20 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: MI

Complaint narrative:
XXXX XXXX XXXX  {$7900.00} XX/XX/year>XXXX  Called In To Report Inaccurate Information About The Information And Was Disregarded. Fraudulent XXXX XXXX  {$4700.00} XXXX XXXX {$460.00} XXXX {$1400.00} No knowledge Of Account XXXX {$3200.00} Fraudulent Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MI

Complaint narrative:
XXXX XXXX XXXX  {$7900.00} XX/XX/year>XXXX  Called In To Report Inaccurate Information About The Information And Was Disregarded. Fraudulent XXXX XXXX  {$4700.00} XXXX XXXX {$460.00} XXXX {$1400.00} No knowledge Of Account XXXX {$3200.00} Fraudulent Account

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 disputes, particularly in light 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 tracking these transactions was unfeasible. The CFPBs finding indicated that Zelle has not only neglected to product consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
Please ensure that the unauthorized accounts on my credit report are blocked and removed promptly. I did not open or authorize these accounts and do not recognize them. As stated in USC 1681g, I am officially requesting their removal within 15 days. Relevant documents are provided for your review.

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 2025-02-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against the credit reporting agencies for failing to remove the account XXXX XXXX XXXX from my credit report, despite clear evidence of inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is reporting different open dates and different dates last active across each credit bureau, which is a direct violation of the FCRAs requirement for complete and accurate reporting. Additionally, the company has failed to validate this account, and I have documented proof from the XXXX XXXX XXXX ( XXXX  ) confirming that multiple attempts to obtain a response from the business were unsuccessful. The XXXX  has officially closed the complaint as UNANSWERED, and this non-response is now publicly recorded, negatively impacting the company 's rating for the next three years. 

Furthermore, this account was discharged in bankruptcy, meaning it should not be reporting on my credit file. The company is aware of this, which is why they have refused to respond to validation requests. 

I am demanding the immediate removal of this unverified, inaccurate, and improperly reported account from my credit report. Failure to comply will result in further legal action against the credit reporting agencies for violating the FCRA and 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 2025-02-20 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: The CBE Group, Inc.
State: VA

Complaint narrative:
Sorry, but none of your selections on this form to best describe my problem matched my situation, so I had to choose one that isn't applicable. 

On XX/XX/year>, I received a call from one of my contacts ( or so I thought ), prompting me to answer. I soon realized the caller was using a cloned number. ( The number is saved in my phone contacts ; it is not someone who appears in any of my social media accounts nor is she an email contact. ) The person on the phone identified herself as being from " CBE, '' and when I asked what that was, she said, " It doesn't stand for anything ; it's just the name of our company. '' She told me the call was of a personal nature and prompted me several times to confirm my identity. When I looked up " CBE, '' I discovered it is a debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your correspondence regarding the inquiries that XXXX XXXX XXXX placed on my credit report. Your explanation cited a " permissible purpose '' under the Fair Credit Reporting Act ( FCRA ) ; however, I contest this claim based on the following legal grounds : 1. Violation of 15 U.S.C. 1681b Permissible Purpose According to 15 U.S.C. 1681b ( f ), a creditor may only access a consumers credit report if they have a legally permissible purpose, such as : In connection with a credit transaction initiated by the consumer. 

For the review or collection of an existing account. 

In response to a court order or federal grand jury subpoena. 

Your letter claims that an application was submitted through a third-party financial services website. However, you have failed to provide concrete evidence that I, as the consumer, personally authorized such an inquiry or initiated this transaction. 

2. Violation of 15 U.S.C. 1681e Reasonable Procedures Under 15 U.S.C. 1681e ( a ), you are required to maintain reasonable procedures to ensure that credit inquiries are made only for permissible purposes. The lack of verifiable authorization raises serious concerns about the adequacy of your procedures.

3. Failure to Provide Proper Validation Under 15 U.S.C. 1681g, I am entitled to a full disclosure of all information in my file, including the precise reason for your inquiry and the method used to verify the legitimacy of the transaction. You have not furnished : A signed contract or application that shows my explicit authorization.

Detailed information about the third-party website used, including the IP address, date, and time of the alleged application. 





Demand for Immediate Action Immediate Deletion of Unauthorized Inquiries If you can not provide verifiable proof of my authorization or initiation of the transaction, then these inquiries must be deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ).

Full Documentation Provide complete documentation that proves the legitimacy of these inquiries, including : Copies of any application forms or agreements with my signature. 

Detailed logs showing how my personal information was obtained and verified. 

Review of Your Procedures Conduct an internal review of your processes to ensure compliance with 15 U.S.C. 1681e ( a ) and prevent unauthorized access in the future.

Notice of Escalation and Legal Action If you do not comply with the above demands within 15 days, I will : Pursue legal action for willful non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o, seeking damages for unauthorized credit inquiries and any resulting harm to my credit score.

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 2025-02-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights . 

TRANSUNION 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 XXXXXX/XX/XXXX has violated my rights. 


I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-20 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-20 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: MI

Complaint narrative:
No reinvestigation was completed, and disputed accounts are not removed.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-20 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief