vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX/Midland Credit Management Lack of Written Confirmation for Account Deletion To Whom It May Concern, I am submitting this complaint regarding a situation involving XXXX XXXX XXXX and Midland Credit Management ( MCM ) that is negatively impacting my ability to secure a mortgage. 

Background : I previously held a credit card account with XXXX XXXX XXXX  ( Account Number : ( XXXX ) but had some hardships and late payments last year XXXX. The account was later sold to Midland Credit Management ( MCM ), who became the new account owner. Upon learning that the account had been transferred, I contacted MCM to negotiate payment in full on XX/XX/XXXX, with the understanding that this would result in the removal of the late payments from my credit history. 

I specifically confirmed with MCM that my account and all associated negative marks would be deleted upon full payment. However, the letter I received from them does not include any mention of account deletion, which has made it impossible for my mortgage lender to proceed with my home loan application. 

Key Issues : 1. Lack of Written Confirmation from MCM While MCM confirmed verbally that my account would be reported as deleted and that late payments should be removed, they refuse to provide written documentation stating this.

2. XXXX  XXXX XXXX XXXX XXXX has informed me that they have no record or access to my account, despite the fact that they were the original creditor and the entity that reported the late payments. 


3. Mortgage Application Impact Without written confirmation from MCM, my lender can not proceed, even though the account has been paid in full and MCM states they have not reported it. 



I am requesting the CFPBs assistance in obtaining written confirmation from Midland Credit Management that they will not report this account and that the late payments previously reported by XXXX XXXX should be removed. 

Resolution Requested : 1. Midland Credit Management should provide me with an official letter confirming that the account was paid in full and will be deleted and reported to the credit bureaus as such. 


2. XXXX XXXX should provide written confirmation stating that they can no longer verify or retain records of this account, which may allow me to dispute the late payments with credit bureaus.

3. If neither company is able to resolve this issue, I request the removal of the late payments and entire account from my credit reports due to the lack of verifiable records. 



I appreciate your time in reviewing this complaint and look forward to your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information on my credit report. In accordance with 15 U.S.C 1681b and 15 U.S.C 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: SC

Complaint narrative:
Per Experian, XXXX XXXX XXXX XXXX was updated from our processing of your dispute in XX/XX/XXXX ; but NO validation was completed. 
Request for update and deletion were requested XX/XX/XXXX, and XX/XX/XXXX. 
Account was paid with original creditor XXXX in the amount of {$710.00}

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 2025-01-28 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: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX ] XXXX XXXX XXXX XXXX ] XX/XX/XXXX Customer Service Department XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Charge-Off from Credit Report, I hope this letter finds you well. I am writing to respectfully request the removal of the charge-off status reported on my account with you, which is identified as Account Number : XXXX I understand that the account was charged off as of XX/XX/XXXX, but I would like to bring to your attention that I have made significant efforts to address the outstanding balance. Since the charge-off was reported, I have worked diligently to improve my financial situation and ensure that any past payment issues are rectified. 
I respectfully request that, in light of my efforts to resolve this matter, you consider removing the charge-off entry from my credit report. This will allow me to continue rebuilding my credit, and I believe it would be a fair and reasonable gesture, given the circumstances. 
As you may know, a charge-off on my credit report has a severe and lasting impact on my creditworthiness. I would greatly appreciate your understanding and cooperation in this matter, as I am committed to resolving any remaining balance and maintaining a positive relationship moving forward. 
Please let me know if there are any additional steps or documentation you need from me to facilitate this request. I look forward to your favorable response. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2025-01-28 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: FL

Complaint narrative:
I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I put a freeze on my Equifax account due to fraud. During that freeze over XXXX companies accessed my account for unlawful and fraudulent purposes. Equifax refused to verify a lawful purpose, ignored my credit report freeze, allowed my personal info to be given for unlawful purposes, refused to allow me to dispute the inaccurate information in my report online and refused to accept my dispute by telephone. I spoke with XXXX XXXX and a supervisor named XXXX XXXX. This occurred on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Dispute of XXXX Fraudulent XXXX XXXX XXXX XXXX Accounts Dear Equifax, I am writing to formally dispute XXXXXXXX XXXX XXXX XXXX XXXX  accounts that have appeared on my credit report. These accounts are not mine, and I believe they are the result of identity theft stemming from the Equifax data breach, as well as the XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information was compromised during these incidents, which has led to unauthorized activity on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 611, I request an immediate investigation into these accounts. I demand that these fraudulent accounts be permanently deleted from my credit file. This unauthorized activity is a clear violation of my rights as a consumer, and I hold Equifax accountable for ensuring my credit report reflects only accurate and verified information. 

Please complete this investigation promptly and provide written confirmation once the accounts have been permanently removed from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 — Old information reappears or never goes away
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inquiry on Credit Report Dear CFPB, I am writing to dispute an inquiry that appears on my credit report. The inquiry in question is from [ Company Name ] and was made on [ Date ]. I believe this inquiry is incorrect and should be removed from my report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this inquiry be investigated and corrected as soon as possible. I have attached a copy of my credit report with the inquiry circled and supporting documents that show why this inquiry is incorrect. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-01-27 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 Zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting descrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these these transactions was infeasible the cfpbs findings indicate that Zelle has not only neglected to protect consumers but 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX XXXX  {$25000.00} 15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: 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: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XXXX XXXX XXXX sent me XXXX dollars from her XXXX  account. And on XXXX XXXX XXXX created a claim for asking the money back. And on the day my zelle on the wells fargon was suspended because XXXX XXXX 's operation. XXXX XXXX said this transaction was fraud but actually it is not. XXXX XXXX knew me. XXXX XXXX is paying for my wedding planning service. Since we have contract and I agreed her requirement. I returned the money XXXX dollars back to XXXX XXXX 's XXXX from my friend 's XXXX  account. ( because at that time I can not use my XXXX  ) I contacted my bank wells fargo many times to resolve the problem ( reuse my XXXX  ). They keep changing the word. And never helped me resolved the situation. I still can not use my XXXX  from the wells fargo since XXXX ( almost 2 months ). And now they asked me to call XXXX XXXX 's bank to ask a delete letter. I don't know how to do it and felt very ridiculousThe most funny thing is I asked to complain on the wells fargo. And I received the email from the department said my case very closed and I can call the customer service to reactivate my XXXX. I called today, the customer service said my case is still there and I have to ask for a delete letter to reuse my XXXX.. I felt what wells fargo did is very unprofessional. As a customer, I felt like they didn't help me at all. 

I have my case id : XXXX. And I will attach the transaction screenshot at below.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
XX/XX/year> wasnt about to get my money somebody stole it could send no money

Company response to consumer: Closed with explanation