vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into 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 non-monetary relief
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to make it absolutely clear that I did not authorize or open this account in any way. The activity associated with this account was fraudulent, and it is a clear case of identity theft. I have already taken steps to protect my identity, including filing a report with the Federal Trade Commission ( FTC ), and I am in the process of addressing this situation with law enforcement as well.

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 2025-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Given this issue, I kindly request a thorough review of the documents Ive submitted so I can put this concern behind me.

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 2025-02-27 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: 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. 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. 
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 2025-02-27 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: FL

Complaint narrative:
I previously disputed the XXXX XXXX account with XXXX late payments on XX/XX/year>, but I never received a response or acknowledgment from Experian. The failure to properly investigate or update the reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has not been addressed despite my good-faith dispute. 

As stated in the FCRA, whenever a consumer reporting agency prepares a consumer report, they are required to follow reasonable procedures to ensure maximum possible accuracy of the information related to the consumer per 15 USC 1681e ( b ). However, the XXXX XXXX account remains on my report despite being disputed multiple times, showing that those procedures were not followed. This is inexcusable and highlights a systematic failure by Experian, which has recently lost legal cases for similar failures to properly investigate and update inaccurate reports.

Under 15 USC 1681i ( 5 ), when a consumer disputes an item and the credit bureau is unable to verify it as accurate, they must promptly delete or modify the item. This was not done in my case, and Experian failed to notify the furnisher, XXXX XXXX, that the information was disputed, violating my rights under the FCRA. Additionally, Experian has 5 days to provide details of the investigation, yet they have failed to meet this requirement.

Furthermore, 15 USC 1681s-2 clearly states that no person should furnish any consumer information to a reporting agency if they know or have reason to believe it is inaccurate. The continued reporting of this account, even after it was disputed, directly violates this provision and exposes Experian to potential legal consequences.

Lastly, 15 USC 1681b ( a ) ( 1 ) prohibits the furnishing of incorrect consumer information. Despite my dispute and the failure to investigate or update the report, the account remains, showing a blatant disregard for federal law. I am prepared to escalate this matter to litigation if immediate corrective action is not taken, as I have already made numerous attempts to resolve this issue in good faith.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My information doesn't match what creditor is showing online. I don't recognize charge.

15 usc 1681s-2B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thanks, XXXX XXXX XXXX in Need of Deletion : INQUIRIES XXXX. Account name : XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account Opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-28 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: MI

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-02-28 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: OK

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

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 2025-02-27 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
My student loans were discharged by PSLF. I received a letter from XXXX XX/XX/XXXX notifying me of loan discharge with an " effective date of XX/XX/XXXX ''. Amount Forgiven was {$66000.00}. There are XXXX negative Outstanding Balances per the letter in the amounts of - {$6500.00} and- {$34000.00}, which I assume are the amounts that should be returned to me, the borrower. I owed less than {$28000.00} on my student loans. I have attached my last billing statement as well from XX/XX/XXXX. I have called EdFinancial many times in regards to over payment or refund amount. They submitted a refund in the amount of {$8700.00}, but will not provide documentation of how they calculated this amount. I received a check from the Department of Treasury today in that amount. Each time I call EdFinancial, they tell me I have to call FSA Federal Student Aid. Then FSA tells me I have to call my Lender. I spent 3 hours on the phone today with EdFin and FSA, even asked to speak to a supervisor at XXXX point, and the rep would not transfer me. She said she would put in a ticket and I could expect a call in XXXX hours. I am not sure if they purposely won't provide information or just incompetent employees. I do not understand how a government entity with electronic documentation can not figure out the amount of refund that is due to a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> - I was sent XXXX I hardly use the account and my father did not he sent me this money to pay bills. I owed them {$100.00} so they took the XXXX dollars out and left me with {$900.00}. I asked him to expedite the process of getting my money back because I thought it was unfair that they basically just left it open so that I could make a deposit and they could take my money and then hold my other money XXXX. The lady said there was no way they can expedite anything and she understands that I have bills, but there's nothing she can do. She said that because the account was suspended that the department that handles that takes about XXXX business days and then it takes additional time to get to to me I was upset with how they can just take my money and not give it back to me when it's not theirs in a timely fashion. So my XXXX has another account there so I said I don't wan na do business with you guys because you're unprofessional and you don't care about my utilities and my bills and you're holding my money XXXX so I wan na close my other account she then said oh well we can get that money to you in one to three days. I said well how was that fair? Why can't you get me my money in one to three days she said because like I said that department takes three days I said so really you can not get it expedited it anyway, knowing that you guys were only needing {$100.00}. You should've never kept my account open, but you purposely did so you knew when a deposit was Sent in you would get paid and then you would keep all my other money until it's convenient for you. I don't see how a company can take all those days to get your money back to you but soon as they get your deposit, they can take the money that's owed to them now all my bills are behind. I'm not able to pay my bills because they wan na wait business days to take it. I refuse to get it refunded and wait I let then know today because I was filing a complaint first because I think it should be expedited. I feel like it's illegal what they're doing, and it needs to be brought to everyone 's attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year> I am guessing cause its been a while I just cut the card up and threw it away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I opened a Bank of America XXXX XXXX Credit Card last year in XXXX. I used this card a couple of times then immediately locked the account. Locking the card means charges can not go through. I left the card alone for a couple of months. Whne I checked the card I noticed there were charges of an estimated amount of XXXX. Unfortunately, a {$10.00} missed payment led to a significant drop in my credit score, despite my long-standing history of responsible account management on my Bank of America XXXX XXXX Credit Card XXXX 

I immediately called Bank of America to mitigate this issue. The representative said he could close the account to take away the missed payment and unknown charges, so I closed the account. However, the missed payment led to a significant impact on my credit score that I was not aware of. I contacted Bank of America on XX/XX/XXXX, and XXXX all to POCs that were given to me over email ( so I have email evidence of this communication ). I was supposed to have a resolution by Bank of America however no one has come forth since the initial conversation, even though I was promised a resolution. 

This negative mark has had an outsized impact on my credit score impacting my ability to purchase a first home. 

I am asking for assistance to help me find a solution by making an adjustment to my Bank of America Credit Card so that it wont impact my credit report score, which was XXXX missed payment of {$10.00}. 

Thank you for your time and consideration. I would greatly appreciate any assistance in resolving this matter and look forward to your response.

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 2025-02-28 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: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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