vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-26 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: MN

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following accounts that are listed on my Federal trade report, I have attached a copy of my report to this file!

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 2025-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX  My account with XXXX XXXX had to be charged off. I was going through a bad divorce in which I was unemployed and my husband refused to pay spousal support. After the sale of some properties I reached out to Midland Credit Management and offered a lump sum settlement of {$3000.00}. They refused. Afterwhich, I found myself applying for Social Security and living on a limited income. I thought I was acting in good faith by setting up a payment arrangement with them only to realize that I would be paying this for the rest of my life and that I could not afford the extra amount. I requested that they drop the issue due to hardship. They refused. Instead, they began sending me false statements that they had filed with the court. I asked them to stop. They continue to report the amount as a bad debt which has adversely affected my ability to take care of basic needs. This has been going on for 6 years. Since then the interest now amounts to 60 % of what the original charge off was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TN

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reporting agencies ( CRAs ) handle consumer information. The FCRA aims to protect consumers by ensuring the accuracy, fairness, and privacy of their personal data. My personal data was not protected or ensured by accuracy. Someone stole my identity and used it to purchase a phone from XXXX while I was XXXX. Under 15 U.S.C. 1692g Debt collectors must send a written notice to consumers within five days of first contacting them about a debt. If the consumer doesn't dispute the debt within 30 days, the debt is assumed to be valid This debt isnt fair to me because I had no way of knowing someone used my identity to purchase a item at XXXX. I had no way to dispute the debt or nothing. Under Section 1681i of FCRA provides that consumer reporting agencies ( CRAs ) such as Experian must conduct a reasonable reinvestigation when an item in the consumer 's credit file is disputed by the consumer and the consumer notifies the agency directly... of such dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). After disputing this situation once before and nothing being changed it seems as if the CRAs didnt reasonable reinvestigation this debt of {$1000.00}.

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 2025-02-26 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: TN

Complaint narrative:
15 U.S.C. 1681 is the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reporting agencies ( CRAs ) handle consumer information. The FCRA aims to protect consumers by ensuring the accuracy, fairness, and privacy of their personal data. My personal data was not protected or ensured by accuracy. Someone stole my identity and used it to purchase a phone from XXXX while I was XXXX. Under 15 U.S.C. 1692g Debt collectors must send a written notice to consumers within five days of first contacting them about a debt. If the consumer doesn't dispute the debt within 30 days, the debt is assumed to be valid This debt isnt fair to me because I had no way of knowing someone used my identity to purchase a item at XXXX. I had no way to dispute the debt or nothing. Under Section 1681i of FCRA provides that consumer reporting agencies ( CRAs ) such as Experian must conduct a reasonable reinvestigation when an item in the consumer 's credit file is disputed by the consumer and the consumer notifies the agency directly... of such dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). After disputing this situation once before and nothing being changed it seems as if the CRAs didnt reasonable reinvestigation this debt of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt before I take any further action. Please provide the following information : The name of the original creditor and the full account number associated with this debt. 

A copy of any written agreement or contract bearing my signature that establishes my obligation to the alleged debt. 

A detailed accounting of the amount you claim I owe, including interest, fees, and any other charges added to the original balance. 

Proof that you are legally authorized to collect this debt, including documentation of the chain of title showing the transfer of ownership from the original creditor to your company. 

Copies of any judgments or legal documents related to this debt, if applicable. 

Please consider this letter a formal dispute of the validity of the alleged debt. Until proper validation is provided, I request that you cease all collection activities and refrain from reporting this account to credit bureaus, as unverified debts may constitute a violation of federal law. 

If you are unable to validate this debt, I expect you to remove any negative reporting related to this debt from my credit report and cease any further contact regarding this matter. 

Please provide the requested information within 30 days of receiving this letter. If you fail to comply, I will be forced to take appropriate legal action to protect my rights.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
AFFIRM INC, Subject : Dispute of Fraudulent Account - Account Number XXXX Dear AFFIRM INC, I am writing to formally dispute the account referenced above, account number XXXX, which appears on my credit report. This account does not belong to me and was opened fraudulently through identity theft. I have never opened an account with your company, nor have I authorized anyone to do so on my behalf. I request that you investigate this matter and remove this account from my credit report immediately. Please find attached a copy of my identification and any relevant documentation supporting my claim. I also request written confirmation that this account has been removed from my credit report. Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is truly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX keeps reporting accounts on my credit report that do not belong to me. I keep disputing with the XXXX company directly as well as with the credit bureaus Equifax, XXXX and XXXX keeps reporting saying the information was verified and They can't tell me how they verified he information XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NC

Complaint narrative:
XXXX XXXX keeps reporting accounts on my credit report that do not belong to me. I keep disputing with the XXXX company directly as well as with the credit bureaus XXXX, Experian and XXXX keeps reporting saying the information was verified and They can't tell me how they verified he information XXXXXXXX XXXX Acct # XXXX XXXXXXXX XXXX  Acct # 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 2025-02-26 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: WI

Complaint narrative:
I am writing to bring to your attention a grave concern. Recently, my personal information was compromised in a significant data breach, and I was among those severely affected. This incident has raised profound concerns regarding my privacy and security. It is imperative that immediate action is taken to address the repercussions of this breach and to protect the sensitive information of all individuals impacted. 

I appreciate your prompt attention to this critical issue. I urge you to permanently remove all inquiries related to late payments, collections, and repossessions from my credit report. Taking this action is essential to restore my creditworthiness and safeguard my financial future. Thank you.

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, PayPal fraudulently withdrew {$340.00} from my account for a subscription I did not authorize beyond the free trial period. I did not consent to this charge, nor did I receive any prior notice that my account would be debited. I have never used the service beyond the trial period, making this charge completely unauthorized. 

When I contacted PayPal to dispute this fraudulent charge, I expected an immediate reversal. Instead, I was subjected to intentional delay tactics. The customer service representative, XXXX, refused to escalate my call to a supervisor when I requested one. Instead of addressing my dispute properly, she placed me on hold indefinitely. 

After an extended hold, XXXX returned to the call pretending to be a different representative named XXXX and then acted as if she could not hear me. This was a blatant attempt to avoid resolving my dispute. I have recorded the call as proof of this deceptive and unprofessional behavior. PayPal has failed in its duty as a financial institution to protect my funds and investigate fraudulent activity properly. 

As a financial institution, PayPal is required to promptly address and reverse unauthorized transactionsyet I was denied fair assistance and forced to escalate this matter externally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Im beyond frustrated with the ongoing inaccuracy in my credit report. The accounts in pending litigation have no place on my report, and Ive contacted you multiple times, yet no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I filed report with Barclays Bank in XX/XX/year> about fraudulent credit card in my name, it was confirmed as fraudulent and stated they would remove it from my credit history. I received the letter stating it is fraudulent and previously filed a complaint with cfpb and they also confirmed fraudulent. I have filed disputes with all three credit bureaus multiple times and they keep reporting it as accurate and not fraud, therefore my credit score is still extremely inaccurate. I then contacted Barclays again in XX/XX/year> and was informed that there was two letters on the account sent out with opposing information - one letter stated fraud and one letter stated as accurate. Therefore the credit bureaus are stating it as accurate as well. I contacted Barclays again and Barclays stated they fixed it, again, however the disputes are still coming back as accurate and not fraudulent and my credit is still suffering from it. Can the accurate and correct confirmation of fraudulent activity and report be sent to the credit bureaus to clear my credit history?

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 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX2025, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. TransUnion LLC ( 2021 ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XX/XX/XXXXXXXX

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 2025-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I opened a loan with SoFi, and on XX/XX/XXXX, they communicated that the funds had been disbursed to my previous lender. 

I only became aware that my previous loan had not been paid off when my existing lender ( XXXX ) informed me during a call that they had not received the funds. 

When I contacted SoFi to get information on how the funds were sent, they could not provide any details. 

After multiple calls, I was initially told that the funds were sent via postal mail as a check. I made additional calls to determine whether it was sent via registered or regular mail, but no clear answers were provided. 

For several weeks, I was transferred between loan servicing and loan originations, with no resolution. Later, I was informed that the payment was not sent via postal mail or check but instead through a wire transfer.

However, when I requested details about the wire transfer, SoFi has been unable to provide any information.

Fast forward through multiple calls and weeks of waiting, and now Ive been told that the payment was sent to the incorrect place. When I asked why this wasnt disclosed earlier despite my numerous inquiries, there was no answer.

Now that they claim to have corrected the issue a few weeks ago, I have asked when my previous loan will be paid off, yet I still have not received a clear answer.

Since SoFi records all calls, this information can be confirmed in their records. Additionally, I have my own recording of conversations with loan origination and loan servicing, where they still can not provide an answer regarding when the previous loan will be settled.

Meanwhile, SoFi has begun charging me for the new loan ( including payments and interest ) without proving that the funds were ever disbursed to my previous lender. At the same time, I am still being charged interest on my previous loan, which now has a late payment.

This goes beyond poor business practices and raises serious concerns. If this was simply a mistake, why has SoFi failed to provide any supporting information?

I need immediate assistance to review this matter, as every customer deserves full transparency regarding their refinanced loan and assurance that SoFi has fulfilled its responsibility to pay off the previous loan.RegardsFelipe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

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 2025-02-26 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief