vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: AL

Complaint narrative:
EQUIFAX has sent me an AI Computer generated reply claiming that the following information has been " Verfied '' and not " Validated '' which is what's required according to 15 USC 1681. I want an actual rep to VALIDATE these accounts and send me copies of the validated information : Below are the responses sent to me from EQUIFAX which are incorrect : CFPB Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. Thank you for your attention to this matter. Should you need any additional information, you may contact me at [ your phone number ] or [ your email address ]. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Equifax 's reply : A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : SCHEDULED PAYMENT Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: DC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a charge-off on my credit reports from XXXX XXXX  with XXXX and Equifax. The debt is time-barred and is due to be removed from my credit reports. On XXXX, it showed that it would only be on record until XX/XX/year>. Now it gives no expire date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Hi, my name is XXXX XXXX, and I have been banking with chase for almost 6 years now. But XXXX made sure that they do not care about their consumers and the money we trust them with. On XX/XX/year>, XXXX unauthorized withdrawals were made out of my checking account using a non chase ATM. These charges were made at early morning while I was still asleep. Given, the unrecognized pattern and the non chase ATM, chase allowed the XXXX withdrawals to be complete and never alerted me. I only found out when I woke up and went into my mobile app. Chase now has denied my claim and is asking me to pay for the withdrawals that I never made. Chase deducted the total amount of the withdrawals and put my account in negative. When I tried to appeal their decision, they simply told me to take this issue outside of chase. I am disappointed in how this was handled and how I have to pay for something fraudulent, twice. I live paycheck to paycheck and barely make anything to save for emergencies. I have my XXXX  XXXX coming up which is taking place outside of XXXX, in XXXX. And I plan on paying for that XXXX. Those funds that were allowed to be taken out of my account and chase is charging me for were the savings that I was trying to set aside for my XXXX  XXXX. I dont know what to do anymore. I dont know how to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Multiple negative reports that were obtained illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
Received a call from XXXX ( XX/XX/year> at XXXX XXXX  XXXX  ). No message was left. Searched for the number and it belongs to Sunrise Credit Services. Their site definitely seems have a " debt collector '' feel, but it fails to include a statement that they are a debt collector. XXXX XXXX XXXX I have never heard from them before so I don't have any information about why they are calling. 
I'm certainly not going to reach out to them, but I think it's shady that their caller ID doesn't show their company name and their website fails to indicate that they are a debt collector.

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 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR RESOURCES Account Number # XXXX Date Opened XX/XX/year> Balance XXXX I XXXX XXXX XXXX XXXX was incarcerated in that year, in Florida Department Of Corrections.This account was opened without my approval or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Certified Solutions, Inc
State: GA

Complaint narrative:
XXXX 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 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 XXXX has neither corrected nor removed 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 XXXX 's inaction violates Federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I was in a car accident on XX/XX/2022. 
XXXX was called and XXXX XXXX XXXX XXXX arrived and took me to XXXX XXXX in XXXX, GA I did not have a choice of ambulance as this was the company dispatched by XXXX. 

XXXX XXXX XXXX XXXX received payment for services from XXXX XXXX. 

However, they are still demanding the full amount and not accepting the amount from XXXX XXXX. They do not accept the write off from insurance amount of {$2000.00} and I am now in collections for this amount.

I spoke with the ambulance service and gave them my attorney 's information. They are listed as lien against my lawsuit and will be paid once it settles. 

XXXX XXXX XXXX XXXX contracted with Wakefield and Associates, as a collection agency collected on the balance on the ambulance. 

I spoke with Wakefield and Associates and gave them my attorney 's information as well. 

I filed a dispute with XXXX as Wakefield is listing my medical debt on my credit report. 

Wakefield and Associates is still listed on my credit report. 

New legislation has rendered medical debt not allowed on credit reports. 

I am requesting Wakefield and Associates be removed from all credit reports. 

I would also like to request an investigation into XXXX XXXX XXXX XXXX practices. XXXX XXXX was already paid by my insurance company. I did not have a choice of which ambulance service to use as XXXX was called and dispatched the company. I, and any other person, using this service must not be penalized and cooerced into an additional {$2000.00} fee. This practive of ambulance services demanding more money over and above the insurance payment, as well as the harrassment by collection agencies must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
i called the XXXX number for aidvantage XXXX XXXX XXXX to verify debt that was reporting on my credit report and asked for account number to this debvt. the representative told me that she could not find my name in the system and that she could not give me a account number because i did not have one. and asked for my social to '' verify debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. BANK XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA

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 2025-01-15 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. 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  POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
I am disputing a debt with AmSher Collection Services and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that AmSher Collection Services has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that AmSher Collection Services provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 transitions was unfeasible. The CFPB 's finding 's 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 2025-01-15 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: MO

Complaint narrative:
Experian Debts were not properly investigated, but were verified as correct. Proof was given debts were not valid but remained on credit report. 
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

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 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: IN

Complaint narrative:
I got a few text message from Shepherd Outsourcing, a debt collector regarding XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - for which the current creditor is XXXX XXXX XXXX XXXX XXXX They want me to click on a link. However, I believe this is a scam. 
My credit report has been frozen for years and this is not showing on my credit report. 

I did unsubscribe Online I see several complaints from other consumers claiming they don't have this debit, but they try to bully people into paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Zelle and its partner banks failed to adequately protect me from fraud and unauthorized transactions on its platform. Zelles payment system has inherent vulnerabilities, leaving users at risk of scams and fraudulent activity. Zelle and participating banks did not take sufficient measures to warn me as a user or provide adequate recourse for victims of fraud, potentially violating consumer protection laws. Zelles practices and lack of accountability and safeguard of consumer interests has me seriously concerned. Unacceptable practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I kindly request that you thoroughly investigate this matter to determine the accuracy of the bankruptcy entry on my credit report. If your investigation confirms that the information is inaccurate or can not be verified, I urge you to take immediate action to remove the incorrect bankruptcy entry from my credit report. This correction is essential to ensure that my credit report reflects accurate and fair information, as required under the Fair Credit Reporting Act ( FCRA ).

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX United States XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As the consumer, I hereby refuse to pay this alleged debt and demand that you cease all further communication with me regarding this matter, including any attempts to report this debt to any credit reporting agency.

Pursuant to 15 U.S.C. 1692c ( c ), you are legally required to cease all collection activities and any further contact with me regarding this alleged debt, except for the purposes of confirming the termination of collection efforts or notifying me of any specific legal actions you intend to take. 

Please also be advised that I am keeping detailed records of all correspondence regarding this matter. Any failure to comply with the requirements outlined under the FDCPA may result in legal action against your company for violating my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 writing to formally express my concerns regarding Zelle 's 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 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 I am writing to formally express my concerns regarding Zelle 's 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had sent a a XXXXXXXX XXXX  XXXX with my account with chase, and I noticed I sent it to the wrong person and tried to contact chase they told Me that there was nothing that they couldnt done and that basically the money was gone this was during the pandemic XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation