vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my 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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Complaint Details : I am filing a complaint against TrueAccord for attempting to collect a debt that resulted from identity theft. 
The original creditor, XXXX, account XXXX ( was previously notified that this account was fraudulent, and I have already provided a police report and identity theft documentation to them. Despite this, XXXX continues to erroneously forward this debt to collections, and TrueAccord has been contacting me regarding payment. 
Key Issues : - I have submitted a police report and supporting evidence to XXXX proving that I did not authorize or incur this debt. 
- Despite this, XXXX has failed to remove the fraudulent debt from their system and has instead forwarded it to collections. 
- TrueAccord is attempting to collect on this debt, which is causing me undue stress and potential damage to my credit report. 
- Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to have fraudulent accounts removed and to not be harassed for a debt I do not owe. 
- I have requested validation from TrueAccord and XXXX, but they have not adequately addressed my concerns. 
Desired Resolution : - Immediately cease all collection activities on this fraudulent debt. 
- Confirm in writing that the debt has been removed from collections. 
- Ensure XXXX updates its records to prevent this debt from being re-referred for collection. 
- Prevent any negative reporting to credit bureaus related to this fraudulent account. 
I am requesting the CFPBs assistance in resolving this matter and ensuring that both XXXX and TrueAccord comply with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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, an 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 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dunlap Gardiner LLP
State: LA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and unfair credit reporting practices by XXXX XXXX XXXX concerning an auto loan account. 

The issue stems from the creditors failure to update or remove the account after issuing a 1099-C ( Cancellation of Debt ) for the tax year 2020. Despite my efforts to resolve this matter directly with the creditor and through disputes with the credit bureaus, the issue remains unresolved.

Specifically, I believe the following violations may have occurred : Failure to accurately report the status of a debt that has been canceled or written off. 
Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. 
To resolve this issue, I am requesting that XXXX XXXX be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). 

I am providing the following supporting documentation for your review : Copy of the 1099-XXXX issued by XXXX XXXX XXXX for tax year XX/XX/XXXX, which confirms that the debt was canceled and should no longer be reported as active. 

Any responses or lack thereof from the creditor or credit reporting agencies. 
This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that XXXX XXXX and XXXX XXXX XXXX complies with all applicable consumer protection laws. 

Thank you for your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
My account with XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I am 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 has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo case number : XXXX XXXX companies causing Fraud : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX Phony address on the website Delta Ghostwriting, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Phony address on website XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Interstate Wire Fraud XXXX. XX/XX/XXXX XXXX purchase {$3300.00} for XXXX page book, formatting, editing, proofreading, and XXXX XXXX with XXXX XXXX XXXX. XX/XX/XXXX, invoice for XXXX XXXX by XXXX XXXX for {$7500.00} XXXX. XX/XX/XXXX wire transfer to XXXX XXXX XXXX XXXX XXXX Wells Fargo Account # XXXX ; {$7500.00} a. 9 Month contract to marketing my novel, once it was published. 
XXXX. XX/XX/XXXX novel editing haphazard, edits made not retained. 
XXXX. XX/XX/XXXX XXXX XXXX pitched {$4900.00} with XXXX XXXX for an XXXX XXXX package. 
XXXX. XX/XX/XXXX XXXX XXXX started dropping meetings 7. By the end of XXXX, XXXX I was fed up with the book cover art XXXX. XX/XX/XXXX I ordered XXXX XXXX to stop with any graphics development work on my www.mildmanneredmen.com property, their graphics, editing was poor, and I was forced to hire editors and artists to finish my novel. 
XXXX. XX/XX/XXXX XXXX from XXXX XXXX triend to sell me an additional services : a. {$1600.00} ( {$400.00} per platform for XXXX, XXXX, XXXX, and XXXX ) b. Also they pitched for Web Hosting for my website. Price unknown as I owned my own website XXXX XXXX, an additional {$1000.00} for setting up XXXX codes for my books XXXX. XX/XX/XXXX contacted XXXX XXXX to start the agreed and paid for marketing to start for my now self published book a. XXXX weeks for requested starts for the marketing program b. Repeated meetings set and not made XXXX Requested Zoom calls and no one will come on the video camera XXXX Next meetings out XXXX weeks, with no follow-up XXXX XX/XX/XXXX Files with the XXXX  Consumer Affairs who referred me to the XXXX XXXX XX/XX/XXXX Filed a Consumer Complaint with the XXXX of XXXX State of CA XXXX Filed with the Texas XXXX XXXX XXXX used Wells Fargos XXXX XXXX to demand repayment of funds i. XX/XX/XXXX Filed a Small Claims case in XXXX XXXX XXXX for {$12000.00} for

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 2025-02-12 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I need all the account clear up Where I can apply for debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Name Subject : Request for Debt Validation and Account Sale Information Dear [ Collection Agency Representative ], I am writing to formally request verification of the debt associated with my account, as well as confirmation regarding whether my account has been sold to another agency. Please provide the following information in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : The original creditor 's name, account number, and the total balance owed. 
A copy of the original signed contract or agreement that verifies my obligation to pay the debt. 
Documentation proving that your agency has the legal right to collect this debt. 
If my account has been sold or transferred, details of the sale, including the name and contact information of the new owner of the debt. 
Until I receive this verification, I request that all collection activities, including reporting to credit bureaus, be halted. If you are unable to provide proper documentation, I expect that this account will be removed from my records. 

Please send your response to the address listed above within 30 days of receiving this letter. 

Sincerely, XXXX XXXX Download the latest iOS

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Name Subject : Request for Debt Validation and Account Sale Information Dear [ Collection Agency Representative ], I am writing to formally request verification of the debt associated with my account, as well as confirmation regarding whether my account has been sold to another agency. Please provide the following information in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : The original creditor 's name, account number, and the total balance owed. 
A copy of the original signed contract or agreement that verifies my obligation to pay the debt. 
Documentation proving that your agency has the legal right to collect this debt. 
If my account has been sold or transferred, details of the sale, including the name and contact information of the new owner of the debt. 
Until I receive this verification, I request that all collection activities, including reporting to credit bureaus, be halted. If you are unable to provide proper documentation, I expect that this account will be removed from my records. 

Please send your response to the address listed above within 30 days of receiving this letter. 

Sincerely, XXXX XXXX Download the latest iOS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
I'm writing to share my concerns about how Zelle handles disputes, especially after the recent CFPB lawsuit that exposed major problems with the platform. I have used Zelle many times, and when I reported issues, both my bank at the time and Zelle barely looked into my claims. They told me there was no way to get my money back and that tracking the transactions was not possible. The CFPB 's findings show that Zelle has not just failed to protect its users, it has also let scammers take advantage of the system over and over again. This lack of responsibility and honesty is unacceptable and makes me seriously question how safe it is for consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Name Subject : Request for Debt Validation and Account Sale Information Dear [ Collection Agency Representative ], I am writing to formally request verification of the debt associated with my account, as well as confirmation regarding whether my account has been sold to another agency. Please provide the following information in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : The original creditor 's name, account number, and the total balance owed. 
A copy of the original signed contract or agreement that verifies my obligation to pay the debt. 
Documentation proving that your agency has the legal right to collect this debt. 
If my account has been sold or transferred, details of the sale, including the name and contact information of the new owner of the debt. 
Until I receive this verification, I request that all collection activities, including reporting to credit bureaus, be halted. If you are unable to provide proper documentation, I expect that this account will be removed from my records. 

Please send your response to the address listed above within 30 days of receiving this letter. 

Sincerely, XXXX XXXX Download the latest iOS

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: MI

Complaint narrative:
Although my account was closed on XXXX, U.S. Bank sent me the enclosed notification for a statement on XXXX. As I am enrolled in electronic statement delivery and they removed my dashboard access shortly after XXXX due to the attached correspondence, would they be able to provide me with this, the previous statements, and any future statements.

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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Newrez sent a check to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received a cancellation notice from XXXX for non-payment of my policy. I tried reaching out to Newrez but got nothing but a run around. I called XXXX XXXX and they have been on contact with them. The instructed them to cancel the check and overnight to them. They provided them with the overnight address. I have looked at my escrow account and do not see that a new check has been sent to XXXX. My policy is set to cancel XX/XX/year>, if this happens i will have such a headache with Newrez. From talking to my agent Newrez is not working with them at all. I have an escrow account with Newrez and I trust they are to take care of my taxes and insurnace. They have not helped to solve this issue with my homeowners insurance.

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 2025-02-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XX/XX/year> I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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