vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was exposed in a data breach Please thru the credit bureaus please remove all info 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 2025-03-02 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:
My information was exposed in a data breach Please thru the credit bureaus please remove all info 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 2025-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX of XXXX I had a perfect credit score of XXXX. I had been with Citi since XXXX. I had never missed a payment or been late. Suddenly, they dropped my limits which caused an extreme hardship and still does today. The reason I was given is that they checked my XXXX scores but I had a near perfect score. I contacted them and asked why they didn't discuss this with me prior to destroying my credit. They said they did but would never provide documentation of it. In XXXX of XXXX and another limit drop I closed the accounts. Not one person told me of the consequences of doing this. Most recently I filed a complaint asking for them to be restored. They provided 3 letters reflecting that they had informed me via email. However, a letter does not prove notification. I requested proof of notification such as a snapshot ot the outbox sending it. I NEVER received the XX/XX/XXXX letter. I don't care if they show me a letter, I want proof. Some snarky executive from Citi called and asked me what I wanted and was touting she had a copy of the letter. Not good enough. I want proof they sent it and I want accounts restored due to the damage this has caused. Teetering on the brink of destruction I reached out to them and worked out a payment plan. Today I formally requested that they be restored with one of their outsourcing centers. It would be nice if when dealing with such stressful situations that we can understand the people we are communicating with. Their broken English makes it intensely difficult. In my original complaint I asked for restoration and this was ignored. How is it that these credit card companies can hide behind boiler print, as the female executive pointed out to me, and have NO accountability. I want proof I was notified and I want my cards restored.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My personal information were exposed in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: CA

Complaint narrative:
CFPB, I have disputed these accounts many of times though your portal. I have asked Equifax to verify these accounts accuracy. Every single time they have came back verified which it's impossible to come back verified. If Equifax, verified this accounts as accurate. I need to see there method of verification on how they are reporting a collection with a past due balance on these accounts? If they can not provide this information. Please delete immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Ive reached out to LVNV Funding for a debt verification letter no response just multiple attempts to collect the debt that I dont know who its from. I was told that it was passed to them from a third-party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-02 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I am writing to normally express my concerns Regarding Zelle 's handling of disputes, particular in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-02 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of XXXX XXXX Account Due to Lack of Signed Agreement To Whom It May Concern, I am writing to formally request the removal of an inaccurate account from my credit report regarding a loan from XXXX XXXX. I previously filed a dispute against this account, and XXXX XXXX submitted a response to the Consumer Financial Protection Bureau ( CFPB ). However, their response did not include an agreement with my original signature, which is required to validate the legitimacy of the debt. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, any information reported to credit bureaus must be accurate, verifiable, and complete. Since XXXX XXXX has failed to produce a signed agreement proving that I authorized this loan, they are in violation of federal law by continuing to report this account. As a result, I am requesting the immediate deletion of this account from my credit report with all reporting agencies. 

I ask that the CFPB take appropriate action to enforce OneMain Financials compliance with the FCRA and ensure that this unverifiable account is removed. Please provide me with written confirmation once this issue has been addressed. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, 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 2025-03-02 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of XXXX XXXX Account Due to Lack of Signed Agreement To Whom It May Concern, I am writing to formally request the removal of an inaccurate account from my credit report regarding a loan from XXXX XXXX. I previously filed a dispute against this account, and XXXX XXXX submitted a response to the Consumer Financial Protection Bureau ( CFPB ). However, their response did not include an agreement with my original signature, which is required to validate the legitimacy of the debt. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, any information reported to credit bureaus must be accurate, verifiable, and complete. Since XXXX XXXX has failed to produce a signed agreement proving that I authorized this loan, they are in violation of federal law by continuing to report this account. As a result, I am requesting the immediate deletion of this account from my credit report with all reporting agencies. 

I ask that the CFPB take appropriate action to enforce OneMain Financials compliance with the FCRA and ensure that this unverifiable account is removed. Please provide me with written confirmation once this issue has been addressed. 

Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures. 
XXXX XXXX never submitted the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law. 
This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this Capital One account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.

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 2025-03-03 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This accounts is hurting my ability to obtain credit.It 's my understanding that the credit bureaus will investigate this account for me to ensure acuracy here is the account I am asking you to verify as 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 explanation
Consumer complaint received 2025-03-02 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX, when I received this payment, I was going through a tough divorce and struggling with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Because of this, I decided to resign from my job after nearly 11 years. During this time, I was expecting some funds to be deposited into my bank account. Once I received the money, I paid off most of my debts, but I only made a partial payment on my XXXX XXXX loan. My plan was to continue paying it on time each month to improve my credit score. Unfortunately, XXXX XXXX did not report my on-time payments over the last six months. As a result, my credit score didnt improve as I had hoped. A few months later, I was unable to find a job for about six months, and my savings ran out, which led to me being unable to continue making payments. I contacted XXXX XXXX to discuss a possible settlement to reduce my monthly payment, but the representative was unwilling to offer any solution. As a result, I couldnt keep up with the payments. However, the company was quick to report my missed payments to the credit bureaus, even though they had failed to report the on-time payments I made over the previous XXXX months. Due to this negligence, my credit report has suffered, and I have been denied jobs and credit. I am now in a difficult situation. Just to let you know, I receive XXXX and XXXX XXXX because my current salary of {$42000.00} annually isnt enough to cover my immediate expenses, such as rent, utilities, and car payments and food. I'm also a single mom supporting a teenager. Right now, I'm taking a few courses through XXXX to improve my skills and increase my chances of landing a higher-paying job.

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was contacted and starting around XXXX about being in a class action suit in regards of my information being compromised with Equifax. I receive numerous emails stating that I was a part of it I also checked a website where you're able to put in your identify information and it tells you if you are in fact included in this class action suit. I did that I went on a website into my information and I was identified as being affected I did everything I needed to do I reached out I filled out my information got my claim and around 2 years later I guess maybe XXXX I received a correspondence from the site administrator stating that I in fact was not included in this in which I had a deadline to submit proof or my claim will be denied. I received correspondence on the 12th I immediately forwarded my emails that I received also a screenshot of the site stating that once I put in my information that I was a victim and identified as being a part of the class action suit I sent all my evidence and the administrator wrote back 2 days later and still said no you're not a part of it I have on my correct information saying that yes I was I did everything I was supposed to do and I missed out on my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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