vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
There are inaccurate hard inquiries on my credit report. I have filed an identity theft report to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: AL

Complaint narrative:
There are inaccurate hard inquiries on my credit report. I have filed an identity theft report to address this issue.

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 2025-02-14 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: AL

Complaint narrative:
I have went back and forth with Transunion, Equifax, and Experian about inaccuracies on my credit report, They will not do proper investigation nor remove the incorrect information this has been an ongoing issue and when i call all i get is it will be removed immediately and its still on my report. Ive waited over 30 days still nothing

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 2025-02-14 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have multiple negative remarks on my credit report. I have a remark on the report that has finally passed the 7 year mark to be removed and requested to be removed and was at first advised it would stay on my report until XXXXXXXX XXXX XXXX That date passes and dispute that remark on my report to be removed I get told that it will continue to remain on my report until XXXX then was disputed once again that changed to XX/XX/year>. I was already advised to have this removed on XX/XX/year> and Experian refuses to remove it when initially stated it will be removed on XXXXXXXX XXXX XXXX when it has been passed more than the 7 years to remain on 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 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AR

Complaint narrative:
This account ended on my credit report and I have no knowledge of the debt or company. Possible identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management inc. 

Amount XXXX I reached out to the company they were not able to provide me any information to validate this debt. 

They are not attached to anybody company I did business with in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a {$2000.00} Spark BUSINESS card with capiltal One for 3 years now. According to their internals, based on our phone conversations, I spend around {$3500.00} - {$6000.00} per month on that card. Yet they have REFUSED ( 3x ) to increase my limit, while continuing to NEGATIVELY report XXXX XXXX XXXX XXXX XXXX on my PERSONAL credit profile about said Business card. 
I've asked their representatives numerous times to get me in touch with a live person in their credit department in case thst was an algorithmic issue, they have categorically REFUSED to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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:
According to the FCRA, if there are inaccuracies between the XXXX bureaus, that it be updated or deleted. I sent out disputes time and time again and to no avail has anything changed with this XXXX XXXX XXXX XXXX XXXX This account has been removed from my Experian report, yet it is still active on Transunion and Equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Subject : TransUnions Failure to Conduct Proper Investigations Details of the Complaint : I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ) by issuing generic responses to my disputes without conducting a proper investigation. 

Here are the details of their responses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In each response, TransUnion did not verify the accuracy of the information reported on my credit file or confirm compliance with Metro 2 reporting standards. They appear to have relied solely on creditor-provided information, which is insufficient and violates 15 USC 1681i . 

I am requesting the CFPB to investigate this matter further, as TransUnion is engaging in a pattern of noncompliance with the FCRA. I demand that TransUnion : Conduct a thorough investigation into my disputes. 
Provide proof of their compliance with Metro 2 reporting standards. 
Remove any unverifiable or inaccurate information from my credit file. 
This ongoing issue is causing me harm, and I ask for immediate assistance in resolving this matter. 


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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Subject : Fraudulent Collection Account on Credit Report. 

Dear Federal Trade Commission, I am filing this complaint regarding a fraudulent collection account that has been placed on my credit by LVNV Funding LLC. I have never opened an account, signed any contract, or agreed to any financial obligation with this company. Despite this, they have reported a collection under my name and are attempting to collect a debt that i do not owe. 
Upon noticing this collection on my credit report, i sent the company a formal debt validation request, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) List of items requested are : Creditors name and full address Name of debtor of record Full account Number Amount of Debt Due date of debt Original charge off or Delinquency date Explanation of how the debt was calculated Evidence that the debt is within States applicable statute of limitation Name of collection Agency or Owner of Debt if applicable Amount paid if debt was purchased Completed and Executed Contract Agreement, including signature pages for the debt. 

They failed to respond to my request, which violated their legal obligation to provide validation of the debt. According to the law, they are required to provide documentation proving that i owe this debt, yet they have not done so. 
I believed this is a case of fraud and possible identity theft. My personal information have been used without my authorization to create this alleged debt. I have already disputed this account with the credit bureaus, but the collection agency continues to report the debt without providing any proof. 
I request an investigation into this matter and appropriate action to ensure this company comply with the federal law. Additionally, I ask for the removal of this collection from my credit report and any enforcement action necessary to hold the company accountable for their failure to respond and their deceptive reporting practices. 

Please let me know if further information is needed. Thank you very much for your time and assistance. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
I was sent to see the orthopedic by XXXX and I never asked to be sent to the orthopedic. They sent me there after been injured on the job. I never authorized one visit. The doctor kept given me appointments which I assumed was authorized by XXXX. So why would I pay a debt when I was injured at work and fired while still injured and I never went back to the orthopedic

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Without my knowledge or consent, an unauthorized individual used my personal information to fraudulently applied and/or open accounts in my name. I did not authorize these accounts, nor have I benefited from them in any way. 
I first became aware of the identity theft when I reviewed my credit report after I was recently denied a loan. Upon further investigation, I confirmed that multiple fraudulent accounts had been opened or attempted to be opened using my personal information. 
I have taken immediate steps to address this issue, including filing this FTC Identity Theft Report, contacting the affected financial institutions, and placing fraud alerts on my credit file. I am not responsible for any transactions or debts associated with these fraudulent accounts. 

- 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 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

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 2025-02-14 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: PA

Complaint narrative:
Without my knowledge or consent, an unauthorized individual used my personal information to fraudulently applied and/or open accounts in my name. I did not authorize these accounts, nor have I benefited from them in any way. 
I first became aware of the identity theft when I reviewed my credit report after I was recently denied a loan. Upon further investigation, I confirmed that multiple fraudulent accounts had been opened or attempted to be opened using my personal information. 
I have taken immediate steps to address this issue, including filing this FTC Identity Theft Report, contacting the affected financial institutions, and placing fraud alerts on my credit file. I am not responsible for any transactions or debts associated with these fraudulent accounts. 

- 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Sun loans is falsely reporting account my account 30 days past due despite receiving a payment from me. Sun loans renewed an installment loan with new terms and reported the old loan as past due after payoff. The previous loan was included in a identity theft and I informed them of this. Without my consent Sun loan changed the term of a renewal loan and included the former balance in the terms, they did not provide a new contract terms, a billing statement or anything record and did not obtain my consent. AS A RESULT Sun loans is violation of the FDCPA ACT and also the Truth in Lending Act. They're creating irreparable harm and falsely reporting the entire amount past due on my credit instead of the fact I made the correct payment. I have called several times and been Given conflicting given information by XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I am applying to switch from the SAVE payment plant to the PAYE plan. They have not put me on the processing forbearance that counts towards PSLF even though I applied about 2 months ago on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 express Concerns of how zelle handles my disputes, partially in light of of cfpb highlighting issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that lost funds was impossible and tracking transactions was unfeasible. The cfpbs findings indicate that Zelles 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 2025-02-14 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-14 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: PA

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 2025-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: DC

Complaint narrative:
THe company is charging me 700 % more than the original loan, with no way to adjust payment methods they somehow have my bank account infromation and will not release it at all. Its a scam, tride and true. THis customer service is terrible they do not respond to my multipel requests to fix this even though they continue to text me acting as if they didnt receive any previous messages

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my 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