vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX for their continuous failure to remove fraudulent collections from my credit report, despite multiple disputes and the submission of supporting documentation XXXX and XXXXXXXX XXXX XXXX. 
I am a victim of identity theft and have never authorized or incurred the debt in question. This debt, originally associated with XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX and is now being serviced by XXXX XXXX XXXX. Despite my repeated disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ), these entities have failed to provide adequate proof that the debt belongs to me. Instead, they continue to furnish an account summary to the credit bureaus as supposed " validation, '' which does not meet the legal standard of proof. 
I have provided the credit bureaus and the debt collector with the following supporting documents multiple times : A police report confirming that I am a victim of identity theft. 
A prior complaint filed with the CFPB. 
A request under Section 605B of the FCRA to block this fraudulent information from my credit report.

A history of disputes showing that this collection has been removed from my credit report at least ten times. 
Despite this, the collection continues to be " refurnished '' as new debt, which is a direct violation of the FCRA. Specifically, XXXX XXXX XXXX and XXXX XXXX XXXX have engaged in deceptive practices by operating under different names and repeatedly re-reporting the same fraudulent debt after it has been deleted. This misconduct violates FCRA provisions that prohibit re-reporting previously deleted debts and require accurate reporting of consumer information. 
Additionally, Experian, Transunion and Equifax have failed in its obligation to conduct a reasonable investigation and comply with my request to block the fraudulent account under FCRA Section 605B. Instead, it continues to allow XXXX XXXX XXXX to reinsert the same fraudulent collection, causing ongoing financial harm and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXXXXXX Balance {$2000.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance {$500.00} XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$150.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance {$3000.00} XXXX XXXX XX/XX/2024

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Self Financial Inc.

Complaint narrative:
Good day, i was approached by a trader everything looked legit, i had to pay {$21000.00} for fees on this transaction to withdrawal and it could not be done so it was paid into the traders bank account and now the bank wont release it after i paid for the the transaction which I don't think is my responsibility and the trader now wants even more money so that the bank. can release it. 

Lead Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 formally expressed any concerns regarding sales handling of disputes, particularly in light of recent XXXX lawsuit, highlighting significant issues with the platform despite using numerous times and reporting discrepancies, they informed me that recovering most funds was impossible and that tracking these transactions was unfeasible the XXXX finding indicate that they has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users, vulnerable, scams, this lack of accountability transparency is unacceptable and rises. Serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
It has come to my attention that my personal information has been exposed in a XXXX XXXX XXXX. Reviewing my credit reports, I noticed some accounts that I'm unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided due to my information being exposed. I have submitted an FTC complaint reporting the information I'm not familiar with. 

Please find attached a copy of my ID, the FTC complaint, A copy of the XXXX report showing my information being exposed in a national database, and a XXXX letter.

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 2025-02-27 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 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 2025-02-27 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: GA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX for their continuous failure to remove fraudulent collections from my credit report, despite multiple disputes and the submission of supporting documentation XXXX and XXXXXXXX XXXX XXXX. 
I am a victim of identity theft and have never authorized or incurred the debt in question. This debt, originally associated with XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX and is now being serviced by XXXX XXXX XXXX. Despite my repeated disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ), these entities have failed to provide adequate proof that the debt belongs to me. Instead, they continue to furnish an account summary to the credit bureaus as supposed " validation, '' which does not meet the legal standard of proof. 
I have provided the credit bureaus and the debt collector with the following supporting documents multiple times : A police report confirming that I am a victim of identity theft. 
A prior complaint filed with the CFPB. 
A request under Section 605B of the FCRA to block this fraudulent information from my credit report.

A history of disputes showing that this collection has been removed from my credit report at least ten times. 
Despite this, the collection continues to be " refurnished '' as new debt, which is a direct violation of the FCRA. Specifically, XXXX XXXX XXXX and XXXX XXXX XXXX have engaged in deceptive practices by operating under different names and repeatedly re-reporting the same fraudulent debt after it has been deleted. This misconduct violates FCRA provisions that prohibit re-reporting previously deleted debts and require accurate reporting of consumer information. 
Additionally, Experian, Transunion and Equifax have failed in its obligation to conduct a reasonable investigation and comply with my request to block the fraudulent account under FCRA Section 605B. Instead, it continues to allow XXXX XXXX XXXX to reinsert the same fraudulent collection, causing ongoing financial harm and credit damage.

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 2025-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX for their continuous failure to remove fraudulent collections from my credit report, despite multiple disputes and the submission of supporting documentation XXXX and XXXXXXXX XXXX XXXX. 
I am a victim of identity theft and have never authorized or incurred the debt in question. This debt, originally associated with XXXX XXXX XXXX, was acquired by XXXX XXXX XXXX and is now being serviced by XXXX XXXX XXXX. Despite my repeated disputes and requests for validation under the Fair Credit Reporting Act ( FCRA ), these entities have failed to provide adequate proof that the debt belongs to me. Instead, they continue to furnish an account summary to the credit bureaus as supposed " validation, '' which does not meet the legal standard of proof. 
I have provided the credit bureaus and the debt collector with the following supporting documents multiple times : A police report confirming that I am a victim of identity theft. 
A prior complaint filed with the CFPB. 
A request under Section 605B of the FCRA to block this fraudulent information from my credit report.

A history of disputes showing that this collection has been removed from my credit report at least ten times. 
Despite this, the collection continues to be " refurnished '' as new debt, which is a direct violation of the FCRA. Specifically, XXXX XXXX XXXX and XXXX XXXX XXXX have engaged in deceptive practices by operating under different names and repeatedly re-reporting the same fraudulent debt after it has been deleted. This misconduct violates FCRA provisions that prohibit re-reporting previously deleted debts and require accurate reporting of consumer information. 
Additionally, Experian, Transunion and Equifax have failed in its obligation to conduct a reasonable investigation and comply with my request to block the fraudulent account under FCRA Section 605B. Instead, it continues to allow XXXX XXXX XXXX to reinsert the same fraudulent collection, causing ongoing financial harm and credit damage.

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 2025-02-27 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX, XXXX  : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( XXXX ) XXXX also known as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX suppose to pay the difference between the XXXX and the contractual loan agreement remaining balance after a deer collision that XXXXXX/XX/XXXX totaled a XXXX XXXXXX/XX/XXXXno.XX/XX/XXXX XXXX XXXX. XXXX : XXXX, XXXX I.D . No : XXXX, Date of Loss : XX/XX/XXXX/2025. 
Balance owed {$9000.00} minus by {$3100.00} paid, but leaving a balance of {$5900.00} owed to the lender : Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX thatXX/XX/XXXX suppose to pay the full remaining balance of {$9000.00} of the auto loan not a partial payment of {$3100.00} and leaving a balance of {$5.00}, XXXX on my credit report from 2 out 3 credit bureaus and preventing me currently from financing another vehicle after a deer collision I am the one without a much needed vehicle to get to work and pay my bills, ISN'T this a unfair and deceptive violation of my Consumer Protection Rights to advertise their XX/XX/XXXX pays out the complete full remaining balance and then XXXX XXXX XXXX didn't pay the full amount according to Credit Acceptance payment history email to and According to XXXX XXXX XXXX XXXX own statement mailed to me showing they didn't pay the entire remaining loan amount, isn't that a violation? 
Sincerely 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 2025-02-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation