vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly light of the 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed XXXX ( CFPB ) has recently filed a lawsuit against Experian XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I want to emphasize that this complaint is serious and not a misunderstanding. My credit report contains errors that clearly do not meet the standard of maximum possible accuracy. These mistakes are taking a heavy toll on me, both financially and emotionally, and the ongoing negative impact is overwhelming. During such challenging times, correcting or removing these inaccuracies would be an immense relief.

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 2025-02-04 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: MO

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MS

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 2025-02-04 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: OH

Complaint narrative:
Thing been appears on my credit reports thats not mine

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 2025-02-04 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: OH

Complaint narrative:
Thing been appears on my credit reports thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt acct # XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. As you may not be aware, this claim is governed by an arbitration agreement with XXXX XXXX, which clearly stipulates that " any dispute must be resolved through arbitration due to the binding agreement. '' To date, no arbitration proceedings have been initiated. As a direct result of that this constitutes a material breach of the original agreement, which was acknowledged by all parties involved. As such, I assert that you have no legal right to continue collection efforts on this debt, please cease and desist 15 usc 1692c also remind you of the legal precedent set in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that reporting a debt to credit reporting agencies constitutes a form of communication under the FDCPA. Any continued reporting of this alleged debt to credit bureaus without proper validation will be considered a violation of the FDCPA. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. Arbitration, as stipulated in the agreement, is not a trivial matter. The cost of arbitration can be significant, and I believe it would be in your companys best interest to avoid the expense and time involved. Below is an itemized list of typical costs associated with arbitration : Filing Fees : The cost of filing for arbitration can range from {$200.00} to {$1500.00}, depending on the arbitration provider and the amount in dispute. Arbitrator Fees : These fees can range from {$500.00} to {$2500.00} per day, with multiple days of hearings often required. Legal Fees : Each party is responsible for their own legal costs, which can easily exceed {$5000.00} in many cases. Other Administrative Costs : This includes fees for document handling, hearings, and other necessary procedures, which can add up to an additional {$1000.00} {$3000.00}. As you can see, the total cost of arbitration could easily exceed {$10000.00}, not to mention the potential for additional legal expenses. Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly.

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 2025-02-04 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Demand for Immediate Removal of Unauthorized Account and Compensation for Violations Dear LVNV Funding LLC, I am writing to formally dispute the account ending in XXXX, which you have fraudulently acquired and reported under my name. I did not give consent for my information to be bought, sold, or used by your company, and you have no contract with me that bears my wet-ink signature to validate your claims. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), you are required to provide verification of any alleged debt, including a signed contract between myself and the original creditor. If you have purchased this debt, I demand that you provide : 1. Proof of the buyout contract from the original creditor, including the amount you paid for the account.

2. The original contract that contains my wet-ink signature proving I agreed to this debt.

Additionally, your unauthorized acquisition and use of my personal information without consent violate federal identity theft protections. I have already submitted an Identity Theft Report with the Federal Trade Commission ( FTC ) ( Report No. XXXX ), and this matter is being documented for legal action. 

Per the FCRA, you are now required to : Immediately delete this account from all credit reporting agencies. 
Cease all collection activities related to this account. 

Failure to comply will result in legal action, as your violations have caused me emotional distress and financial harm. I am demanding {$1000.00} for statutory damages under the FDCPA and an additional {$5000.00} for emotional distress, payable to XXXX XXXX XXXX at the address provided above. 

This letter serves as official notice under 15 U.S.C. 1692c ( c ) that you must cease all communications with me regarding this matter unless providing written proof as requested. 

Please respond within 15 days of receiving this letter. If you fail to comply, I will pursue legal action and report your violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-04 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:
Subject : Dispute of Fraudulent Collection Account and Request for Permanent Deletion Dear Sir/Madam, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX Account Number : [ Insert Account Number ] ), which is appearing on my credit reports with Experian, Equifax, and TransUnion. This account does not belong to me, and I have no knowledge of the debt associated with it. 

Upon investigation, I found that XXXX XXXX XXXX XXXXXXXX is not listed as a licensed collection agency in the National Mortgage Licensing System ( NMLS ), which raises serious concerns about the legitimacy of this debt and the authority of the collection agency to report it on my credit file. As a result, I am disputing this account in its entirety. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I request that you investigate this matter and provide proof of the validity of this debt. Due to the lack of proper licensing, I also demand that this account be permanently removed from my c

redit report, as it is not only inaccurate but also illegally reported. Under 15 U.S.C. 1692e ( 5 ), I am entitled to dispute any collection activity that is based on fraudulent or erroneous information. Furthermore, as stated in the FCRA, the credit reporting agencies have an obligation to ensure that only accurate and verifiable information is included on consumer credit reports. 

Therefore, I am formally requesting that : The account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX be permanently deleted from my credit reports with Experian, Equifax, and TransUnion.

Provide documentation showing that this collection agency is properly licensed, if applicable. 

Cease any further reporting of this fraudulent account. 
Please be advised that I expect your response and resolution of this matter within the statutory 30-day period, as required by the FCRA. Failure to resolve this issue promptly may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other regulatory bodies. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OK

Complaint narrative:
Dear Transunion, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. TransUnion is violating [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Information to Be Disputed : XXXX XXXX XXXX XXXX XXXX XXXX There are several addresses that are not mine. None of the addresses Transunion are reporting is accurate. Remove all the phone numbers on my credit report they are not mine. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of my credit report. 

I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 
Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing to formally dispute inaccurate information on my credit report that is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I've submitted several disputes and exhausted all my options. The companies continue to come back as verified. They pretend to investigate but comes back as verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I asking to please remove all other personal information from my credit report because I'm afraid that I might be susceptible to identify theft. I should have only 1 name ,1 resident address ,1 employment and correct date of birth on 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 explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I asking to please remove all other personal information from my credit report because I'm afraid that I might be susceptible to identify theft. I should have only 1 name ,1 resident address ,1 employment and correct date of birth on 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AppFolio, Inc.
State: NV

Complaint narrative:
Appfolio XXXX is using their own credit scoring system as a tenant/landlord screening and is projecting inaccurate credit score which are so low and is citing XXXX as the Bureau who gave them the credit score. 
My XXXX  score is XXXX as of XXXX and on this same day, Appfolio was used to screen my application with a potential landlord and I lost {$100.00} in application fees due to Appfolio citing XXXX providing the score of XXXX.

Company response to consumer: Closed with explanation