vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: FL

Complaint narrative:
Ive taken a look at my consumer report and noticed some late payments illegally reporting. In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. Please update the following accounts as PAID AS AGREED : XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY ) XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY ) XXXX XXXX XXXX # XXXX ( BILLED INCORRECTLY )

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 2025-02-26 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:
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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They never provide what is supposed to be provided for a debt validation. They only send a statement, and the original creditor every time. The same two things. They never send what is supposed to be sent. What can I do about this at this point? Because this goes on and on and on. Can I sue them?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to the company regarding the account and options to cancel a coerced timeshare. They sent back this letter to my lawyer with the CORRECT BALANCE of how much I have left on this loan. The loan balance on this letter from the company is NOT the same amount being reported on my credit report which makes this false and inaccurate information which negatively affects my credit score. I have asked the credit bureaus to do their due diligence with investigating this inaccurate information and they keep telling me it " meets requirements of the Fair Credit Reporting Act '' when I clearly have a legitimate letter stating the correct balance for this account. The credit reporting agencies are responsible for verifying the accuracy of disputed accounts and they have not.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Account was paid in full mot charged off there is no past due balance furthermore the company agreed to remove account from the three credit reporting agencies. I am pretty sure that you know that this is a violation. I demand the immediate removal of this accout to ensure that your agency is reporting full and only complete information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TX

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 explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion Consumer Solutions was notified by phone and letter stating unauthorized inquiries on my credit report. Listed below are the unauthorized inquiries. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/year> I informed TransUnion Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.

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 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Inappropriate Fee - NEEDS TO BE REMOVED FROM MY LOAN ACCOUNT - Other Charges And Fees of {$1800.00} When I inquired as to what these fees were, I was informed that the fees were XXXX XXXX XXXX XXXX XXXX 's ) attorneys fee from filing a claim in my bankruptcy filed on XX/XX/XXXX, after the XXXX DOJ loan forgiveness modification agreement was implemented. I was current with my XXXX loan. I filed bankruptcy to resolve issues with another financial institution. 

The Federal Bankruptcy Case ( Maryland ) was # XXXX. XXXX, through XXXX XXXX, only submitted 3 documents to the US Bankruptcy Court, Maryland see attached, along with the bankruptcy docket : XXXX. Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) XXXX. Objection to Confirmation Plan XX/XX/XXXX ( Docket # XXXX ) XXXX. 2nd Notice of Appearance XX/XX/XXXX ( Docket # XXXX ) Looking at the Bankruptcy docket, XXXX never submitted the paperwork to make a claim after initiating the process in my bankruptcy, as they informed me. After the 2nd notice of appearance, there was not any further action by XXXX. 

Also, looking at my XXXX Credit Report, XXXX reports the Status as Transferred, closed, Never late. The fees MUST BE removed immediately. NOTE : The bankruptcy ended on XX/XX/XXXX, having nothing to do with XXXX. ( See the XXXX Credit Report attached. ) ***NOTE : The Consumer Finance Protection Bureau ( CFPB ) and Associated Press ( AP ) both reported on XX/XX/XXXX on XXXX XXXX CFPB reported XXXX was to pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC for wrongful practices across the banking system including, but not limited to, double-dipping, falsifying records, etc. The AP reported XXXX XXXX XXXXXXXX hit with $ XXXX in fines and refunds for double-dipping fees and fake accounts. 

For more details, please click here CFPB Takes Action Against XXXX XXXX XXXXa For Illegally Charging ..../ AP-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in fines, penalties for 'double-dipping " fees, fake accounts ... - see attached. 

Also, the XXXX DOJ loan forgiveness modification that I received in XXXX was as a result of DOJ settling with XXXX XXXX XXXX  for financial fraud with mortgages. Click XXXX XXXX XXXX see attached from XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I sent money from my XXXX XXXX to chime and didnt think much of it or check cause I have done it thousands of times and it goes over instantly for a fee, any how I didnt mess with it after until till it was time to pay my rent and I only had XXXX cent left, so I broke down in tears honesty then when I came around I check the app it say cash app took my money after I sent it then.again I dont have XXXX XXXX and havent In years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

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 2025-02-26 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
Subject : Dispute of Incorrect Addresses on Experian Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report as provided by Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to request an investigation into any information on my credit report that I believe to be incomplete, inaccurate, or unverifiable. 

Upon reviewing my credit report, I noticed that the following addresses listed are incorrect and do not belong to me : XXXX. XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. XXXX XXXX XXXX, XXXX NJ XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX NJ XXXX These addresses are not associated with me, and I have never resided at or used them. The inclusion of these incorrect addresses may lead to confusion or potential errors in my credit profile, which could negatively impact my ability to obtain credit or other financial services. 

I request that Experian promptly investigate this matter and remove the incorrect addresses from my credit report. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made. Additionally, I request an updated copy of my credit report reflecting these changes. 

If you require any additional information or documentation to assist with your investigation, please contact me at the address, email, or phone number provided above. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or correct it. 

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


Enclosures : - Copy of my government-issued ID ( e.g., drivers license or passport ) - Copy of a utility bill or other proof of my current address- Copy of my Experian credit report with the incorrect addresses highlighted

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 2025-02-26 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: PA

Complaint narrative:
Subject : Dispute of Incorrect Addresses on XXXX Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report as provided by XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to request an investigation into any information on my credit report that I believe to be incomplete, inaccurate, or unverifiable. 

Upon reviewing my credit report, I noticed that the following addresses listed are incorrect and do not belong to me : XXXX. XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. XXXX XXXX XXXX, XXXX NJ XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX NJ XXXX These addresses are not associated with me, and I have never resided at or used them. The inclusion of these incorrect addresses may lead to confusion or potential errors in my credit profile, which could negatively impact my ability to obtain credit or other financial services. 

I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made. Additionally, I request an updated copy of my credit report reflecting these changes. 

If you require any additional information or documentation to assist with your investigation, please contact me at the address, email, or phone number provided above. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or correct it. 

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


Enclosures : - Copy of my government-issued ID ( e.g., drivers license or passport ) - Copy of a utility bill or other proof of my current address- Copy of my XXXX credit report with the incorrect addresses highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables Management is a collection agency that is attempting to collect a debt that is not mine or is a result of identity theft in the amount of {$4700.00} on behalf of XXXX XXXX Ive never owned a line with XXXX. Ive called them several times to dispute this and have disputed it with XXXX and nothing has been done. No information has been sent to me to identify me as the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was the guarantor for my daughter in her college apartment complex. I have filed a separate FTC complaint against the Property Management company XXXX XXXX - Report Number : XXXX for unfair, deceptive, illegal and fraudulent business practices. Case Precedent - California Attorney General XXXX XXXX XXXX XXXX XXXX. I list many examples spanning almost 2 years now. 
This company regularly charges unlawful " move-out '' fees that violate California Tenants XXXX. They sent us an e-mail bill XX/XX/XXXX with unlawful charges ( again, they did this in XXXX also ). I attempted to call them, they do not answer thier phone ( see multiple BBB complaints from other people ) and their voicemail is always full. I e-mailed them on XX/XX/XXXX outlining an itemized list of the disputed charges. I attached the California Tenants Rights handbook and told them which specific page they were violating our rights and asked for a receipt as allowed by california law for any charge over {$120.00}. 
They never responded. I tried to call XXXX more times with no answer/option to leave a voicemail. .California law says they have 21 days to provide this evidence to us and they never did ( still havent ). XX/XX/XXXX my daughter moved out, turned in her keys and provided her forwarding address ( which was on the e-mail to us ). 
Since I'm aware we have to be notified via mail should they send this to collections - I told my daughter to keep an eye on her mail so we could immediately dispute it. 
We never recieved anything, but XX/XX/XXXX, my daughter reached out to tell me that XXXX XXXX XXXX reported this unlawful balance on her credit causing a XXXX XXXX  drop in her score putting her at risk of homelessness while in XXXX  school. XX/XX/XXXX I called this collection agency and advised them we dont owe what this company is asking for and submitted a dispute through thier website with several pictures/the tenants rights hand book and email evidence of my dispute. They still then reported to my credit on XX/XX/XXXX. 
XX/XX/XXXX I spoke to XXXX XXXX who verified they are aware that neither my daughter or I ever recieved written notice from them. She said they sent one notice in XX/XX/XXXX and XXXX notice in XX/XX/XXXX to the old apartments my daugher lived at XXXX XXXX despite having her correct new address in XXXX XXXX. XXXX further confirmed both notices were returned to them. She acknowledges no notice was ever sent to me as the guarantor nevertheless, they reported on my credit. I believe this is an unfair and deceptive tactic by the collection agency to extort us into paying money we dont owe and a clear violation of FDCPA. I believe they deliberately and with malice sent the written notices to the incorrect address so we would not have a chance to send a demand letter becuase they know they have no legal standing to this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: WI

Complaint narrative:
This is being wrongfully put on my credit report. I believe this is fraud and someone stole my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue 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 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 is a lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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



XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$390.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2600.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$470.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation