vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NC

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 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 2025-01-25 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:
Subject : Request for Removal of Inaccurate and Unauthorized Items from Credit Report To Whom It May Concern ( XXXX, XXXX, Transunion ) : I am writing to formally dispute several items on my credit report under the protections afforded to me by the Truth in Lending Act ( 15 USC 1666B ) and other applicable federal consumer protection laws. After thoroughly reviewing my credit file, I have identified the following inaccurate and unauthorized entries that require immediate correction and removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I did not authorize this account. Additionally, I did not receive notification or documentation regarding the transfer or sale of this debt to a third party. 

Violation : The failure to notify me of this transfer and the inclusion of unauthorized charges directly contravenes 15 USC 1666B. 

Reason for Dispute : This entry contains inaccurate information and was added without my consent. I have no record of authorizing this transaction.

Violation : As per 15 USC 1666B, charges or items appearing on my credit report without proper authorization are subject to dispute and must be removed promptly. Reason for Dispute : The information provided in this entry is inaccurate and does not reflect any authorized activity on my part. 

Violation : Reporting this item without verification or proper documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666B.

Supporting Evidence : Following 15 USC 1666B, I am asserting my right to : Dispute unauthorized or fraudulent charges appearing on my credit report. 
Retain payment or acknowledgment of any such charges during the dispute process.

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 2025-01-25 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:
I pulled a copy of my consumer report and notified your agency on ( XX/XX/year> ) about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to a way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record! 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i ( 7 )

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 2025-01-25 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: GA

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on ( XX/XX/2024 ) about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to a way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record! 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
I pulled a copy of my consumer report and notified your agency on ( XX/XX/year> ) about some items I disputed. XXXX was not taken into this matter as it has yet to be resolved in a manner that is FAIR and EQUITABLE to me, the consumer, per the Fair Credit Reporting Act regulations. I sent off my notice to your agency which included a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to a way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notice, which I have attached once more again for your record! 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in Case of disputed accuracy section, 15 USC 1681i ( 7 )

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 2025-01-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXXXXXX XXXX XXXXXXXX Balance : {$2200.00XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KS

Complaint narrative:
onsumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$25000.00} These accounts have resulted in several fraudulent hard inquiries EQUIFAX MTG ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing 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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
I am filing a complaint with XXXX for failing to properly investigate and resolve a dispute regarding XXXXXXXX XXXX XXXX and eastern account systems. I would like these accounts removed from 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 explanation
Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
" I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolve. I request immediate investigation and removal of this, as it is incorrect and does not reflect my true credit history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
To promote the accuracy and fairness of information in consumer credit reports, the federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to dispute incomplete or inaccurate information in their credit file and requires consumer reporting agencies like XXXX to forward such disputes to the company that originally provided the information ( called the furnisher ) for investigation. FCRA also requires consumer reporting agencies to reinvestigate such disputes and remove or correct any inaccurate, incomplete, or unverifiable information. The Bureau alleges that XXXX violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information XXXX reports on consumers. In addition, the complaint alleges that XXXX committed unfair acts or practices in violation of the Consumer Financial Protection Act of XXXX by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( 3 ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring XXXX into compliance with the law, consumer redress, and the imposition of civil money penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

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. 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 2025-01-25 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: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-01-25 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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
My Equifax credit report displays multiple accounts and inquiries that do not belong to me. These accounts were opened fraudulently as a consequence of identity theft, and it is imperative that this matter be addressed without delay. 

Fraudulent Accounts : XXXX ( Account # XXXX ) : Listed as " Charged off as bad debt. '' I did not open this account. 
XXXX XXXX ( Account # XXXX ) : Incorrectly reported as " Charged off. '' XXXX XXXX XXXX Account # XXXX ) : Fraudulent account. 
XXXX XXXX XXXX ( Account # XXXX XXXX  : This account is reported as a " Collection '' with XXXX XXXX  XXXX I have no relationship with this creditor. 
Unauthorized Inquiries : XXXX XXXX ( XX/XX/2024 ) XXXX XXXX XXXX XXXX XXXXXX/XX/2024 and XX/XX/2024 ) The existence of fraudulent accounts and inquiries has adversely affected my credit score and limited my capacity to secure financing. This situation has resulted in financial hardships, necessitated the expenditure of considerable time to dispute inaccuracies, and introduced undue stress into my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I recently reviewed a copy on my credit report, and found accounts that i do not recognize and believe to be fraudulent. These accounts are negatively impacting my credit score and my ability to obtain credit. I kindly request that these accounts be removed from my credit report. I am willing to provide further documentation or detalisif need to resolve this matter promptly. Thank you for your attention to this issue.

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 2025-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 2025-01-25 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 filling this complaint against Equifax for faling to properly investigate my disputes regarding inaccuracies in my credit report.Dispite my submission, Equifax consistently responded with in 24 hr. Stating my account was accurate. Without providing any evedience of a through investigation. This practices violates the Fair credit report Act ( FCRA ) 15 U.S.C 1681wich mandates a reasonable investigation of dispute. Furthermore, Equifax action may alsocontrravene The Consumer Financial Protection ( CFPA ) ,12U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recentadminstrative proceding File XXXX provide Consumer with necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Applied for the Wells Fargo reflect card, I have good credit with on time payments. I was denied and received a letter. I called Wells Fargo and submitted a rebuttal to the reasons for the denial and was told my application would be escalated and reconsidered. The very next day I received a denial, with no reason. Just a no. I feel the reasons for the denial are weak at best and there is an underlying reason Im not being told. I would like to see similar applications and if they were denied or not. Is this desperate treatment?

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