vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX balanced {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX XXXX balanced {$170.00} XXXX  XXXX  XXXX balanced {$610.00} XXXX/XXXX  XXXX balanced {$620.00} XXXX XXXX XXXX balanced {$240.00} XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX balanced {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX XXXX balanced {$170.00} XXXX  XXXX  XXXX balanced {$610.00} XXXX/XXXX  XXXX balanced {$620.00} XXXX XXXX XXXX balanced {$240.00} XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: MO

Complaint narrative:
XXXX Bank started wrongfully targeting me as a individual, after XXXX XXXX became president because I voiced my support for XXXX and how I was upset the terms of the loan where changed. They then started saying I do not have a real company and making lies on me even though I am a registered business. They sent people to my house and a federal judge XXXX XXXX has ruled they can not do that and sent the case back to Missouri, XXXX Bank is now constantly harassing me sending emails after saying they would not contact me again> I provided what they requested hoping they stop and they send repetitive emails. I am being discriminated against because in 2020 I said that XXXX should have been president and XXXX should not have changed the loan terms. I made a post about XXXX XXXX @ therealdbfresh on twitter and XXXX Bank sent XXXX XXXX to my house over the loan to question me. It is XXXX years later and XXXX is back in office and they are still harassing me. If XXXX knew about this XXXX Bank would be in XXXX trouble. Send the loan to the XXXX XXXX forgiveness. Tell XXXX XXXX how XXXX Bank is wrongfully denying my loan and saying they did not receive docs I sent just because of XXXX. You will see their request on page XXXX and that I provided everything they asked for and they are still lying! Make 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Sayer Law Group, P.C.
State: TX

Complaint narrative:
The Sayer Law Group P.C. 
XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Cease and Desist & Request for Compensation Dear Sayer Law Group, I am writing to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX ( d ) and XXXX ( cc ), regarding the debt you are attempting to collect from me. This debt, associated with XXXX XXXX XXXX XXXX and identified by account number XXXX, has been the subject of my prior communication regarding debt validation. 

On [ insert date of your request ], I submitted a formal Request for Debt Validation along with an invoice. Under the FDCPA, you are required to provide verification of the debt upon my request. Instead of fulfilling this obligation, it appears that you have engaged in practices that may be deemed abusive and unfair, as outlined in XXXX ( d ). 

Additionally, I would like to bring to your attention that per IRS regulations, a charged-off debt is treated as income, and a Form XXXX must be issued when a debt is forgiven or canceled. I have not received such documentation in association with this debt, which is a violation of my consumer rights. Furthermore, the inclusion of income due to charge-offs on a consumer 's credit report contradicts XXXX ( a ) ( XXXX ) ( A ) ( i ) of the Fair Credit Reporting Act. 

It is not only imperative that you cease all collection efforts until this matter is corrected, but I am also seeking compensation for the violations of my consumer rights due to your failure to validate the debt and the potential misreporting of the account. 

Should you continue to pursue this debt without complying with the above laws, I will not hesitate to take further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal counsel to protect my rights. 

Please consider this letter a formal cease-and-desist request. I expect a prompt acknowledgment of my request and an immediate action to correct your reporting practices regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.

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 2025-02-06 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: TX

Complaint narrative:
On XX/XX/XXXX I checked my credit report and noticed a charge - off from XXXX XXXX XXXX XXXX account number XXXX that was charged - off in XX/XX/XXXX that is continuing to show a charge - off status every month since, and I never received a 1099 - C from this account. According to the Fair Credit Reporting Act 15 U.S.C. 1681- e [ b ] - Maximum Possible Accuracy, and 15 U.S.C . - 1681- g. With this account being charged- off and reporting every month since XX/XX/XXXX is an error, because a charge- off should be reported as income on my 1099-c not debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Dear Sir/Madam, I am writing to dispute certain inquiries that appear on my TransUnion credit report. Upon reviewing my credit file, I noticed the following inquiries that I believe are inaccurate or unauthorized. Below are the details of the inquiries I am requesting to be removed : First Premier Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX First Premier Date : XX/XX/XXXX OneMain Date : XX/XX/XXXX First Premier Date : XX/XX/XXXX These inquiries are either not authorized or incorrect, and I kindly request that you investigate and remove them from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that is inaccurate or incomplete. 

Please provide me with a copy of the updated credit report after the investigation has been completed. If you require any additional information or documentation to process my request, please let me know. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe as required by the FCRA.

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 2025-02-06 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I am filing a formal complaint against Williams & Fudge XXXX XXXX and XXXX for reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 
In XXXX of 2024, I entered into a payment agreement with Williams & Fudge for a balance related to University XXXX Arizona XXXX XXXX. Since XX/XX/year>, all monthly payments of {$140.00} have been made on time, never missed, and auto-debited from my account. I have attached bank statements and Williams & Fudge 's monthly payment confirmation emails as proof. However, in XX/XX/year>, Williams & Fudge falsely reported this account as a collection to XXXX, which should not have happened since my payment plan was active before it was ever reported negatively. I disputed this with XXXX multiple times, supplying clear proof of my on-time payments, yet XXXX failed XXXX correct the reporting and continued to verify the inaccurate information, I also sent a XXXX letter to Williams & Fudge XXXX mail. This is a clear violation of FCRA Section 623 ( Duty to Provide Accurate Information ) by Williams & Fudge and FCRA Section 611 ( Failure to Conduct a proper Investigation ) by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
Subject : Request for Removal of Dismissed Bankruptcy from My Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the bankruptcy listed on my credit report, as it was dismissed and is no longer in effect. However, despite its dismissal, this inaccurate record remains on my credit report, negatively impacting my financial standing. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), credit reporting agencies are required to ensure the accuracy of the information they report. Since my bankruptcy case was dismissed, it was not discharged and should not remain on my credit report as an active record. A dismissed bankruptcy means the case was not completed, and no debts were eliminated, making its continued presence on my report misleading and harmful. 

I have already attempted to resolve this issue directly with the credit reporting agencies, but they have failed to remove the incorrect information. As this is a clear violation of federal law, I am requesting that the CFPB intervene and ensure compliance with consumer protection regulations. 

Please inform me of the next steps in this process and any further information required to resolve this issue. I appreciate your time and assistance in ensuring my credit report reflecting accuracy Sincerely,

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 2025-02-06 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: BetterNOI, LLC
State: PA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank You - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
After discovering negative information on my credit report I suspected identity theft, -Accounts below- and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were result of identity theft. despite my efforts, Experian, Equifax and Transunion denied my case asserting that the information had been verified and leaving the fraudulent entries on my credit report. 
1. Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$760.00} 2.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$1600.00} 3.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$3800.00} 4.Account Name : XXXX XXXX XXXX Account number:XXXX  5.Account Name : XXXX  XXXX Account Number:XXXX  Reported Balance : {$6400.00} 6.Account Name : XXXX Account number:XXXX  Reported Balance : {$14000.00} 7.Account name : XXXX XXXX  XXXX Account Number : XXXX Reported balance : {$21000.00} 8.Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$73000.00} 9.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$51000.00} 10.Account Name : XXXX Account Number : XXXX Reported Balance : {$2400.00} 11.Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$3100.00} Addresses Incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv INQURIES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
After discovering negative information on my credit report I suspected identity theft, -Accounts below- and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were result of identity theft. despite my efforts, Experian, Equifax and Transunion denied my case asserting that the information had been verified and leaving the fraudulent entries on my credit report. 
1. Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$760.00} 2.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$1600.00} 3.Account Name : XXXX XXXX XXXX Account Number:XXXX  Reported Balance : {$3800.00} 4.Account Name : XXXX XXXX XXXX Account number:XXXX  5.Account Name : XXXX  XXXX Account Number:XXXX  Reported Balance : {$6400.00} 6.Account Name : XXXX Account number:XXXX  Reported Balance : {$14000.00} 7.Account name : XXXX XXXX  XXXX Account Number : XXXX Reported balance : {$21000.00} 8.Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$73000.00} 9.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$51000.00} 10.Account Name : XXXX Account Number : XXXX Reported Balance : {$2400.00} 11.Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$3100.00} Addresses Incorrect : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv INQURIES : 1. XXXX XXXX XXXX XXXX 2. 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 2025-02-06 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 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 there transactions was infeasible. The CFPBs 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