vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
This collection agency is suing me and I haven't received any copies or any information about the debt they claim I owed them. They sued me and sent me a letter with index number XXXX the letter doesn't state how much money I owe and it doesn't state what company is suing me. I can't take days off to go to court as I'm working and I'm a single parent only one income not enough to cover my bills. I need to find out if I owe this debt first so that I can see what to do next. I've also checked my credit report and there's no account for Velocity investments.

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 2025-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I DO NOT AUTHORIZE XXXX XXXX  OR ANY OF HIS MINIONS OR ANYONE FROM THE TRUMP ADMINISTRATION WHO DOES NOT HAVE A NEED TO KNOW TO ACCESS ANY OF MY STUDENT LOAN, SOCIAL SECURITY NUMBER, BANK ACCOUNT NUMBERS, OR ANY OTHER PERSONAL OR PERSONALLY IDENTIFIED INFORMATION. 

EXPELL THE FAKE DEPARTMENT OF GOVERNMENT EFFFICIENCY FROM ALL GOVERNMENT AGENCIES IMMEDIATELY. 

AN EXECUTIVE ORDER IS NOT A LAW. ANY EXECUTIVE ORDER CAN BE OVERTURNED BY ANY JUDGE. ONLY CONGRESS CAN MAKE LAWS AND ONLY CONGRESS CAN CREATE OR DISMANTLE A DEPARTMENT. THE FAKE DOGE IS OPERATING ILLEGALLY WITHIN THE GOVERNMENT DATABASES.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-25 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: LA

Complaint narrative:
I am writing to formally express my concerns with using Zelle for money transfers. Zelle nor my banking institution took my complaints seriously in regard to an incomplete transaction and refused to reimburse my funds. Therefore, I was just out of the initial money sent and still had to utilize another method of money transfer. Meaning I was out of double my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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:
Subject : Formal Dispute of Inaccurate Credit Information and Challenge to the Fairness of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA Dear [ Credit Reporting Agency ] , I am writing to formally dispute the accuracy of certain information in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report. 

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified. 

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes. 

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
On XX/XX/XXXX I was transported to XXXX XXXX XXXX. by ambulance because I had a XXXX and went into XXXX  I was admitted to the hospital after stabilization and care. At the time I was insured by XXXX and XXXXXXXX XXXX XXXX  Apparently, the physician in the ER who treated me was not within my health care network ; consequently, I was charged XXXX by the hospital/ physician. The other amount owed was covered by XXXX as I had met my deductible. I attempted to resolve this matter with XXXX and XXXX. ; however, it was past 90 days and they rejected the appeal. The hospital never billed XXXX for ER services. The hospital sent the XXXX bill to collections ( Komyatte & Casbon , P.C . XXXX XXXX XXXX XXXX, In reference # XXXX XXXX XXXX ). XXXX. has sent harassing mail and phone calls to collect this debt. I contacted XXXX. and explained the situation to no avail. It should be noted the I was transported to the hospital because of an emergency health condition and have no control of the physician providing my health care in the XXXX. It is not my responsibility to determine whether the physician in within my insurance network. I am requesting support so that this bill does nor affect my credit nor to I feel I owe this amount. I am a XXXX XXXX on XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This incorrect information is clearly causing damage to my credit profile, which is entirely unjustified. It is essential that this issue be addressed without delay. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report, and I expect nothing less than full compliance with the law in resolving 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request the removal of the following collection accounts from my credit report, as they appear to be inaccurately reported : Credence Resource Management : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX XXXX XXXX XXXX : Reported on XX/XX/XXXX Legal Basis for Removal : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) : This section prohibits debt collectors from using false or misleading representations, including the false representation of the character, amount, or legal status of any debt. If these debts are not valid or have been inaccurately reported, their inclusion on my credit report violates this provision. 
2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Under this section, if a consumer disputes the accuracy of information on their credit report, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete it within 30 days of receiving the dispute. 
3. Uniform Commercial Code ( UCC ) 1-201 ( b ) ( 20 ) : The UCC defines good faith as honesty in fact and the observance of reasonable commercial standards of fair dealing. Reporting inaccurate or unverifiable debts does not align with the principle of good faith in commercial transactions. 

Supporting Information : Credence Resource Management : There have been reports of fraudulent collection activities associated with this agency. For instance, consumers have reported receiving collection notices for debts they do not owe. 
XXXX XXXX XXXX : This company is known for purchasing old debts, and there have been instances where they have reported debts without proper validation. 
XXXX XXXX XXXX : While specific public information is limited, any collection agency must adhere to the FDCPA and FCRA standards. If they can not provide proper validation of the debt, it should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Mercedes-Benz Financial Services XXXX Subject : Formal Demand for Removal of Inaccurate and Unfairly Reported Late Payments To Whom It May Concern, I am formally requesting the removal of the following late payments from my credit report as they may have been reported inaccurately, unfairly, or in violation of consumer protection laws : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under multiple federal and state laws, creditors and credit reporting agencies are required to ensure that all reported information is accurate, fair, and legally substantiated. I am invoking the following legal provisions to support my request for removal : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ) Creditors are prohibited from furnishing information to credit reporting agencies that is inaccurate or can not be verified. 
If the late payments reported were due to a billing error, system delay, or another incorrect factor, they must be removed immediately. 

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If an item on a credit report is disputed and can not be fully verified, it must be deleted from the credit report permanently. 
I am requesting a formal reinvestigation of these late payments. If Mercedes-Benz Financial Services can not provide legally sufficient proof that these payments were rightfully reported, they must be removed. 

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) It is illegal for creditors or collectors to report false or misleading credit information. 
If these late payments resulted from a hardship, system issue, or processing delay, continued reporting would be unfair and deceptive, which violates federal law. 

4. Consumer Financial Protection Bureau ( CFPB ) Regulation 12 CFR 1022.43 Credit furnishers must provide timely and accurate corrections when a dispute is raised regarding reporting inaccuracies. 
If any of these late payments are not removed, I am prepared to file a formal complaint with the CFPB for unfair credit reporting. 

5. Uniform Commercial Code ( UCC ) UCC 1-203 & UCC 2A-109 All financial institutions must conduct business in good faith and can not engage in unfair practices that negatively impact a borrower. 
Given my strong prior payment history, I request a goodwill adjustment as a reasonable and fair resolution. 

6. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 If these late payments were caused by financial hardship, disability-related issues, or personal circumstances, denying my request for removal could be deemed a violation of my rights under the ECOA. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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 2025-02-25 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
" I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: AZ

Complaint narrative:
3 issues with Conduent, the administrator for XXXX XXXX XXXX XXXX XXXX XXXX XXXX prepaid debit card : 1. There is no option to talk to a human or submit a question via email, text, chat, or portal.

2. I twice ( XX/XX/2025 and XX/XX/2025 ) used an XXXX branded ATM to withdraw cash. I was directed to the particular ATM at XXXX XXXX XXXX XXXX, XXXX AZ XXXX via the website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  where it reads " Avoid ATM Surcharge Fees. Avoid this surcharge fee by using ATMs owned by the bank or network brand mark identified below. Click on any one of the brand marks displayed and follow their instructions to locate the nearest surcharge free ATM. ATM surcharges are additional fees charged by the ATM owner. You can avoid this surcharge fee by using ATMs displaying the following logos. To find your nearest surcharge free ATM, click on the logos shown below : '' The terminal screen specifically stated that there is no fee for using this ATM. Yet I was charged {$0.00} each time. Not significant to me, but multiplied weekly by XXXX 's of unemployed people across many states, I think it might be significant. 
XXXX. Transfers to my other bank account do not complete. I initiated XXXX transfers ( XX/XX/2025, XX/XX/2025, and XX/XX/2025 ) Each time, Conduent indicates the transfer was successful and has cleared. Each time, the transfer is reversed and credited back. I have contacted the destination bank XXXX XXXX XXXX XXXXXXXX ) and have been told they have no record of an attempt. Conduent 's website XXXX XXXX XXXX XXXX XXXX  indicates they will call me the next day if there is a problem with the transfer. " If we are unable to complete the transfer we will attempt to contact you through email, text message, or an automated phone call if you have provided this contact information in your user profile. Phone numbers for this reject alert must be within the continental U.S., Alaska, or Hawaii. All calls will be made between XXXX and XXXX, XXXX days a week. If a transfer reject is received during off hours, the alert message will be held until the next day. '' No call has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Amount paid XXXX Amount XXXX Date XXXX XXXX XXXX date sent XXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX I have been unable to contact citibank to trace this payment the account that the funds were deposited it was fraudulent and should have never been sent

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