vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I noticed several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-01-26 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
To whom it may concern, As a loyal customer of American Express I am writing this formal complaint regarding a serious chargeback fraud case committed by one their customers against our small business and hoping to get this resolved immediately. 

PAYMENT TOKEN IDS XXXX. XXXX XXXX. XXXX Customer Information Name : XXXX XXXX XXXX XXXX ending in XXXX ( Has opened a 2 fraudulent disputes of 2 transactions to our business totaling {$8700.00} ) Our legal counsel has recommended us to reach out one final time to American Express with the following information : American express is currently holding over {$8000.00} in funds for over the last 60 days and it is impairing our small business. This is because one of their customers decided to falsify and open 2 disputes that he did not receive goods and services from our us. Upon responding with all the evidence, contacting the American Express dispute department, providing more than sufficient documents and writing a formal dispute rebuttal letter to the correct American Express po box we still have not received any response or resolution. 

We have attached our police report against this customer below for documentation. 

Below is the rebbutal letter with all the evidence provided. 

This customer can even be subpoenaed if necessary as there are texts of him admitting to receiving goods and services. 

He did all of this delinquency the day my wife gave XXXX. I asked him to please withdraw both disputes as this was false and he became manipulative and hostile. The stress and damages he has incurred in our lives is beyond comprehension. I am pleading for a bit of humanity and for AMEX please review the case and do what is right, to please release our funds for the goods and services we provided for him and that he is currently using in on his website that he just wants for free of charge. 

Under Florida Statute XXXX this constitutes wire fraud. We will be escalating this with the right organisms. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
XX/XX/XXXX {$4600.00} and nothing was done to remove XX/XX/XXXX {$21000.00} and nothing was done XX/XX/XXXX {$19000.00} and nothing was done XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$0.00} XX/XX/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 2025-01-26 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received call from national credit system about this debt, I write them 100 of letters and response back, I ask them for license and insurance for the state of Florida and to verify the debt that they say I woe but no answer because they know it is unverified. 
Accounts numbers has follow! 
# XXXX - {$120000.00} # XXXX {$49000.00} # XXXX - {$66000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CT

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 2025-01-26 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: OH

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This is not my debt asking it to be remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I went to the Dept. of Education site, and it was unbelievably messed up and I couldn't find history, payments, etc.. I saw a button to download the data. After reviewing it, I was horrified. Im a XXXX XXXX  and do auditing for a living. There were no payment details, large distributions over the loan amount, and a big unbelievable mess. I couldnt get any information, history, payments made, or any explanation of why this mess exists. 

I had to look at the data to even get the original amount originating in XXXX. I graduated in XXXX. I enrolled in the XXXX from XXXX to XXXX. The XXXX was {$6100.00}, total : {$16000.00}. The current lender is Nelnet. The current bill is {$220000.00} at 8.25 %. 

Nelnet had no previous history, so I had to go to the Dept of Ed. I saw 15 loans from 8 different lenders ( XXXX, XXXX XXXX, XXXX, etc. ). I cant fathom the original amount going from {$16000.00} to {$220000.00}. I found massive amounts of unauthorized or extra distributions during my enrollment as well as after I graduated, including one for {$60000.00}, attached to my loan. 

I never authorized any loans, selling off my loans, and distributions. Why distributions? From whom and for what? I was never contacted or signed any documents other than the original one in XXXX and probably XXXX. 

According to Nelnet 's dashboard, I'm on the IDR ( IBR ) plan, and my loan is a XXXX XXXX with 283 qualifying payments out of XXXX ( XXXX left ) and a total of 340 payments made ( 57 not qualifying ). I assume these 57 payments were never attached to my loan. 

Nelnet has not responded after several complaints were filed and the Dept of Ed sent my complaints to Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Several hard inquiries that were submitted without permissable purposes.

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 2025-01-26 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: RI

Complaint narrative:
I am writing to dispute two inaccuracies on my credit report related to XXXX XXXX XXXX, XXXX. : Unauthorized Hard Inquiry : XXXX XXXX XXXX, through representative XXXX XXXX, ran a hard inquiry on my credit report using my Social Security Number without my explicit consent after opening up a complaint with the XXXX  for inaccuracy number two.I did not apply for any loans, credit, or accounts that would require a credit check. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a creditor is required to obtain express consent or have a permissible purpose to access a consumers credit report. This action violates the FCRA as I did not authorize or provide consent for this credit inquiry. 

Incorrect Reporting of a Closed Account XXXX XXXX XXXX XXXXXXXX re-added a charged-off account to my credit report that was previously removed. I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested in my previous complaints and communications. This debt was the subject of a court case ( XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX ), which was dismissed without prejudice on XX/XX/year>. 
Reporting this account as active or delinquent is inaccurate and violates the FCRAs requirement to report only accurate and complete information, as outlined in 15 U.S.C. 1681s-2 ( a ). 

Retaliatory Actions : The timing of these actions suggests possible retaliation for a complaint I filed with the XXXX XXXX XXXX XXXX XXXX  XXXX against XXXX XXXX XXXX. 
After filing the complaint, the unauthorized hard inquiry was initiated, and the charged-off account reappeared on my credit report. Representative XXXX XXXX, who initiated the hard inquiry, has ceased responding to my calls and emails for months. 

Experian closed out my original complaints within less than a week. They did not investigate this information in my opinion.

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Spring Oaks Capital XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Dear CFPB, I am writing to request your assistance in resolving a dispute with Spring Oaks Capital , regarding a debt validation issue. Despite my multiple attempts to obtain proper validation of the debt they claim I owe ; the company has not provided the necessary documentation as required by federal law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested debt validation on [ date of request ], which legally obligates the debt collector to cease collection efforts until they verify the debt.

Specifically, I asked for : A copy of the original contract or agreement that created the debt. 
A detailed, itemized account of all charges, payments, and interest applied. 
Documentation proving that Spring Oaks Capital. has the legal right to collect debt Spring Oaks Capital. has failed to comply with my request, as they have not provided sufficient information to validate the debt. Continued collection attempts without proper validation violate my rights under the FDCPA, which protects consumers from unfair and deceptive collection practices.

I am requesting your intervention to compel Spring Oaks Capital. to fulfill their legal obligation by providing complete and accurate debt validation documentation. I also ask that any further collection activity be suspended until they comply with the requirements set forth in 15 U.S.C. 1692g ( b ).

For your reference, I have enclosed copies of my original correspondence with Spring Oaks Capital. and any responses I have received.

Thank you for your time and attention to this matter. I look forward to your support in enforcing consumer protection laws and ensuring that my rights are upheld. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
To : CFPB, I am filing a formal complaint against TransUnion for failing to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. 
In XXXX, I disputed several accounts with TransUnion. I requested specific details regarding the verification process, including the methods used, the parties contacted, and the documentation relied upon to substantiate the accuracy of the information. However, TransUnions response did not address these requests in detail. 
Instead, TransUnion provided a generic explanation of its investigation process and directed me to contact the furnishers directly, despite the FCRA requiring TransUnion to conduct a reasonable reinvestigation and provide clear results. The vague responses make it impossible to determine whether my disputes were handled properly, which raises concerns about the adequacy of their procedures. 
This lack of transparency and failure to provide verifiable information violates my rights under the FCRA. I am requesting immediate corrective action, including the removal of the disputed accounts from my credit report since they can not provide sufficient proof of accuracy. 
For reference, I have attached copies of my correspondence with TransUnion. Thank you for your attention to this matter.

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 2025-01-27 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: CA

Complaint narrative:
XXXX XXXX  ACCOUNT ENDING IN XXXX IS REPORTED ON MY CREDIT REPORT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME

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 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am frequently receiving calls and emails after I asked them not to. I disputed via XXXX  several times to confirm account details but they do not and its still reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Green Square Company LLC.
State: PA

Complaint narrative:
On Thursday XX/XX/year>, at approximately XXXXXXXX XXXX, I received a suspicious text message from a phone number out of Florida ( XXXX ). It came from a place called prg, wanting me to call another phone number out of XXXX, New York, XXXX. The message States the following Update : XXXX this is XXXX with prg. Please call us at XXXX regarding your file. Reply stop to stop. 
Due to the suspicious nature of this text, I immediately applied stock and have blocked the Florida number. I have been getting other numbers that are coming from the XXXX New York XXXX b following day at XXXXXXXX XXXXLooked up prg online, and have found on XXXX notes, that it possibly represents premier recovery group out of XXXX New york. From what I have seen in the research on this, especially out of the XXXX XXXX XXXX  website this company has numerous complaints against it that have not been answered by the company, which leads me to believe that it is a scam company. I also see information from two law firms that have cases against this company for their questionable practices in collecting alleged debts. 

I want to make it very clear, that I have no outstanding debts whatsoever, nothing in collections, and no legal actions against me at all. These companies that have been trying to collect invalid debts against me, and I want them stopped.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-27 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 been trying to dispute incorrect and /or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-01-27 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: AL

Complaint narrative:
I have been trying to dispute incorrect and /or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have on multiple occasions contacted this company in regards to the alleged debt they are negatively reporting on my consumer credit report. I have advised I am not liable for this alleged debt and have been the victim of identity theft. This information has also been communicated with the consumer credit reporting agencies who report what this company have provided. I have asked that this account be verified by providing the forward flow agreement in addition to original contract yielding my wet signature. Neither this company or the consumer credit reporting agencies have been able to properly validate this alleged debt as belonging to me nor been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against the consumer reporting agencies further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.

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