vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I made two disputes against XXXX and XXXX XXXX and they refuse to give me my money back because I received empty boxes and the loan was through Affirm and Affirm also refuses and they damaged my credit by falsely reporting it to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: FL

Complaint narrative:
Our loan was apparently sold by XXXX to LOANCARE LLC. No one notified us, we found our today that our loan was sold because when we logged in to make a payment on XXXX we saw there was a service transfer date of XX/XX/XXXX. We contacted XXXX and they gave us all the info so we could contact LOANCARE LLC. Upon contacting LOANCARE XXXX they have no idea who we are, don't have any information on us or for us, spoke to XXXX in the escalation team who assured us that they didn't have to notify us or anything until after XX/XX/XXXX when they would send us a welcome packet. We know all of this is bad information because legally we have to be notified that our loan was sold 30 days prior and we have received absolutely nothing and it's XX/XX/XXXX. They advised us we would not be charged any late payments or anything because of this, but from reading reviews online this is all a lie. These people are scammers and are constantly charging late fees and giving bad information so they can charge you these fees. Please help us not be sold to this company they are con artists.

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 2025-02-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable response, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

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. 
times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
The credit bureaus have not done what the law says they should do under the Fair Credit Reporting Act ( FCRA ). They are supposed to remove incorrect or unverified accounts from my credit report. However, they have not corrected or removed the accounts I disputed even though I provided evidence. This has caused ongoing damage to my credit score. I am asking the credit bureaus to immediately remove or fix the disputed accounts, as their failure to do so 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 2025-02-11 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: VA

Complaint narrative:
The credit bureaus have not done what the law says they should do under the Fair Credit Reporting Act ( FCRA ). They are supposed to remove incorrect or unverified accounts from my credit report. However, they have not corrected or removed the accounts I disputed even though I provided evidence. This has caused ongoing damage to my credit score. I am asking the credit bureaus to immediately remove or fix the disputed accounts, as their failure to do so violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I have student loans just a little under $ XXXX. I XXXX XXXX  in 2009. I am still paying on these loans and the amount is not going down. In the last 2 months alone, I made XXXX payments of {$500.00}. Only a measly {$76.00} dollars went towards the principal. How is this legal? The loans have only went down about {$2000.00} in the last 20 years. I have bought campers and vehicles that cost $ XXXX and have paid them off in XXXX years. This whole system is unjust and unfair. I was an adult who went back to college later in life which means I am now going on XXXX XXXX XXXX. I will go to my grave paying back these loans. There has got to be something done about this. I just don't see how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I am getting an email at my work stating that I owe a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to check if this is a legit company before I reach out to them. I am not sure if they are referring to something the City of XXXX owes or me personally. Just want to see if it is a scam or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
Received a call from a debt collection company called unifin inc out of XXXX IL but phone number says Missouri XXXX asking me to confirm last four digits of my social which i did not. caller stated this was a call to collect a debt for over {$2000.00} with my XXXX XXXX XXXX XXXX. my account is not in collection with XXXX XXXXXXXX. i told the rep that i know that this is a scam because my account is not in collection. he then hung up the phone. i called back and the same person answered i told him to not call me and what ever information he had on me he better get rid of because i was contacting the XXXX and any other agency to report his company. he said he would do so but i don't believe him..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: RI

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 explanation
Consumer complaint received 2025-02-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 2025-02-11 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: TX

Complaint narrative:
I am writing to address a serious issue regarding account XXXX  XXXX on my credit report that is reporting inaccurate information. The payment history for this account is entirely incorrect, with XXXX account showing XXXX in XX/XX/year> while another bureau reports 150 days late in XX/XX/year> which is a clear violation of the Fair Credit Reporting Act ( FCRA ). From then on, the payment history is inconsistent with each bureau reporting different information. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under Chapter XXXX of the XXXX XXXX  XXXX in the XXXX XXXX of Texas, does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information, nor did it address my request for the accounts to be updated to paid as agreed, never late. This lack of resolution is unacceptable. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am writing to address a serious issue regarding account XXXX  XXXX on my credit report that is reporting inaccurate information. The payment history for this account is entirely incorrect, with XXXX account showing XXXX in XX/XX/year> while another bureau reports 150 days late in XX/XX/year> which is a clear violation of the Fair Credit Reporting Act ( FCRA ). From then on, the payment history is inconsistent with each bureau reporting different information. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under Chapter XXXX of the XXXX XXXX  XXXX in the XXXX XXXX of Texas, does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information, nor did it address my request for the accounts to be updated to paid as agreed, never late. This lack of resolution is unacceptable. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further action.

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 2025-02-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/2025

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 2025-02-11 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: NY

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

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 2025-02-11 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Citi Bank, the owners of my Best Buy Credit, enrolled me into a " Debt Protection '' program without my knowledge. I called and cancelled on XX/XX/XXXX, but they refused to refund me all past payments towards this charge and only will cancel charges going forward. When I asked for proof of enrollment into this program, they did not provide anything. 

In researching this problem, I saw Citi already got in trouble for this same practice in XXXX and CFPB had them reimburse the consumers. They are once again practicing in these sketchy schemes to take money from people. 

My minimum payment is not even {$1.00} more than the charge for this Debt Protection fee. My minimum due is {$42.00} while the Debt Protection fee is {$41.00}. I am currently on a 0 % interest Promotional Balance with Best Buy, so I wanted to pay this off quickly and set my autopay double the minimum payment. If it wasn't for this I would not be paying enough to get my account to zero because of the Debt Protection fee. This Debt Protection fee is a scheme to get people to not pay off their balance in time so people end up paying all the back interest.

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 2025-02-11 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.

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 finishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Remove all accounts reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

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 finishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Remove all accounts reported.

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