vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The complaint number that you state is a " duplicate '' is in fact not a duplicate and the company did not furnish me with the requested information. Complaint number XXXX. My initial complaint only had XXXX, as I was unaware of XXXX. I specifically ask for the method that was used to validate and prove that these items belong to me. I demand that this be removed from my credit report, under the FCRA 15 U.S. Code 1681i The information supplied does not prove these accounts belong to me. Additoinally the company never provided me with the initial right to dispute, I was unaware of these collections. These are a clear violation of the FCRA Section 609 ( 15 U.S.C. 1681g ) as well as Section 609 ( a ) ( 1 ) I request that you provide the following information to verify the accuracy of this debt : -Documentation showing that I am responsible for this debt. 
-A copy of any judgment or court order related to this debt. 
-Proof that you are licensed to collect debts in my state. 
-Signed documentation or a contract proving that I owe this debt and that you are authorized to collect it on behalf of the original creditor. 
-Proof of your legal right to collect on this alleged debt, including the assignment of this debt from the original creditor to your agency. 

I also request that you cease all collection activities on this account until you have provided the requested information. If you fail to provide this information or continue to attempt to collect this debt without verification, I will consider this a violation of the Fair Debt Collection Practices Act ( FDCPA ) and will take appropriate action, including reporting you to the Federal Trade Commission and seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 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 unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX horizon. CT XXXX XXXX XXXX New York XXXX XX/XX/year> Experian Information Solutions , Inc . 
XXXX Department po box XXXX XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX under FCRA and XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or item XXXX XXXX XXXX CHERRY TECHNOLOGY ES IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to remove all " NON-MAIL-ABLE '' addresses. I'd like to have XXXX address listed to maintain accuracy. 

If you don't comply I will file a CFPB claim stating sham investigations which ultimately lead to Experian being sued XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX charge off on my credit report opened on XX/XX/year> ending in XXXX is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE * REMOVE * ( ACCOUNT ) FROM CREDIT REPORT - XXXX ATTORNEY XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : TOO ( OLD ) & XXXX IS INCORRECT ______________________________________________________________ PLEASE * REMOVE * ( ACCOUNTS ) FROM CREDIT REPORT - EQ / TU / XXXX DEBT REC SOLUTIONS | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | AMOUNT : XXXX CREDENCE RESOURCE MANAGEMENT | DATE : XX/XX/XXXX | XXXX : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX __________________________________________________________ PLEASE * REMOVE * ( INQUIRIES ) FROM CREDIT REPORT - EQ / TU / XXXX XXXX FED XXXX DATE : XX/XX/XXXX XXXX / XXXX | DATE : 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 non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
PLEASE * REMOVE * ( ACCOUNT ) FROM CREDIT REPORT - XXXX ATTORNEY XXXX XXXX XXXX DATE : XX/XX/XXXX REASON : TOO ( OLD ) & XXXX IS INCORRECT ______________________________________________________________ PLEASE * REMOVE * ( ACCOUNTS ) FROM CREDIT REPORT - EQ / TU / XXXX DEBT REC SOLUTIONS | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | AMOUNT : XXXX CREDENCE RESOURCE MANAGEMENT | DATE : XX/XX/XXXX | XXXX : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX XXXX XXXX | DATE : XX/XX/XXXX | AMOUNT : XXXX __________________________________________________________ PLEASE * REMOVE * ( INQUIRIES ) FROM CREDIT REPORT - EQ / TU / XXXX XXXX FED XXXX DATE : XX/XX/XXXX XXXX / XXXX | DATE : 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 2025-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
I am extremely frustrated and disappointed with the unethical and unlawful actions of CBE GROUP. They are blatantly violating both federal law and the arbitration agreement tied to this account, and its causing unnecessary stress and harm to my financial wellbeing. The original agreement for this account explicitly states that any disputes must be resolved through arbitration. Despite this binding agreement, CBE GROUP has chosen to completely ignore the terms and proceed with collection activity outside of arbitration. 

This is not only a breach of the agreement but a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their actions are reckless and show a complete disregard for the law, as well as the rights of consumers like me who trust that agreements will be honored. 

Their failure to comply with the arbitration clause has led to this fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing me unnecessary emotional and financial distress. I feel completely powerless against a company that refuses to follow the rules and is actively harming me in the process. 

I am angry and fed up with this disregard for legal agreements and consumer protection laws. THEY MUST BE HELD ACCOUNTABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX I created an account with Experian in order to freeze my credit report. There had been fraudulent activity on my report so I signed up with two factor authentication in order to be as safe as possible. In XX/XX/XXXX I received an email that my account information had been changed but it was buried among daily promotional emails sent by Experian so I didn't notice it. I never received an authentication text from Experian that someone was trying to sign into my account, yet someone was able to change the email and phone number associated with the account. In XX/XX/XXXX I needed to unfreeze my account for a credit check but was unable to log in due to the fact that the email and phone number had been changed. Experian customer support to fix this issue is absolutely abysmal. It is not possible to get an agent on the phone that can assist you with this problem. The fact that it was so easy for some bad actor to change the information on my account and so hard for me to fix the problem is alarming. Many others online have had a similar experience with Experian. Experian should be removed from providing credit reports if they continue to offer this dismal level of support.

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 2025-01-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Upstart Holdings, Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the reporting of the above-referenced account, which has been reported as both a collection and charge-off. Upon reviewing my credit report, I noticed that there is still a balance reported on this account after it was charged off. This reporting is incorrect and is negatively impacting my credit score. 

Additionally, I am concerned that there is a past due balance showing on this account while the report also indicates a charge-off status. As you are aware, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors must report accurate and complete information. The inclusion of both a charge-off and past due balance is a violation, as it is misleading and does not reflect the true status of the debt. I demand that this account be deleted from all three major credit bureaus to ensure compliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is my belief that CRA 's are reporting inaccurate information on my report. I have never given any " Agency '' authorization to report anything on MY behalf. Per 15 USC 1681b Credit agencies must have authorization to report anything on my report. Please send me the authorization that I signed off on to say that you can report on my behalf. Please send me EACH authorization for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Stating that I gave you written authorization to report on my behalf. Please DO NOT send me an automated generated letter or just a plain copy of my credit report. These are stall tactics and I will not accept them. Legally if you can not produce this evidence that I am asking these things need to be removed from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
It is my belief that CRA 's are reporting inaccurate information on my report. I have never given any " Agency '' authorization to report anything on MY behalf. Per 15 USC 1681b Credit agencies must have authorization to report anything on my report. Please send me the authorization that I signed off on to say that you can report on my behalf. Please send me EACH authorization for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Stating that I gave you written authorization to report on my behalf. Please DO NOT send me an automated generated letter or just a plain copy of my credit report. These are stall tactics and I will not accept them. Legally if you can not produce this evidence that I am asking these things need to be removed from my report within 4 days.

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 2025-01-28 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified 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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope youre doing well. Im reaching out because I recently noticed an unfamiliar credit inquiry on my report. I want to make it clear that I never gave permission to this company to pull my credit report, and I believe this inquiry is both unauthorized and fraudulent. To be transparent, I have not had any interactions with this company, nor have I applied for any services or credit with them. Therefore, this inquiry was made without my consent, and I am requesting that it be removed from my credit report immediately.

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 2025-01-28 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I looked at my credit report and realized an account from XXXX was reporting incorrectly and I asked for a proper investigation into the matter from all parties involved but never received any proof account was opened by me or proof of proper investigation I also reached out to XXXX and they said there was no record of a debt owed and have no prejudice in 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