vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account that I have included a screenshot inside this complaint in on dates of XX/XX/2024. Please investigate and provide proof with statement showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be du to the fact I was never late. Thanks in advance! Please see screenshot attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian for the unauthorized access and potential disclosure of my personal financial and credit information. Recent reports suggest that Experian, along with other financial institutions, may have improperly granted access to sensitive consumer data to unauthorized entities associated with XXXX XXXX and the Department of Government Efficiency ( DOGE ). If true, this would constitute a severe violation of my consumer rights and multiple federal privacy laws, including the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Privacy Act of 1974. 

Details of the Complaint : Unauthorized Access & Data Disclosure : I believe my personal credit and financial data, as managed by Experian, has been accessed or shared without my consent. 
Potential Violations of Federal Laws : If Experian allowed my data to be accessed by unauthorized partiesincluding individuals affiliated with XXXX XXXX and DOGEthis would represent serious breaches of : FCRA, which governs how credit bureaus handle consumer data. 
XXXX, which mandates that financial institutions protect consumer privacy. 
Privacy Act of 1974, if any government-affiliated entities improperly accessed my records. 
Failure to Protect Consumer Information : Experian has a legal obligation to secure consumer data and prevent unauthorized access. This breach undermines public trust and puts my financial security at risk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft and there is a credit card account and several inquiries that dnt belong to me and I didnt give authorization

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. 

In accordance with the fair credit reporting XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX  XXXX  XXXX  XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights. 
15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Its been a year since i found out that XXXX credit card was opened without my consent. I have disputed it, that didnt work. I have filed a identity theft affidavit, that didnt work, i have filed a police report, and that didnt work. I have finally agreed to settle this account with the creditor because i care about my credit, however i never opened this account. How is a person supposed to survive with the identity theft and i get no help from the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Subject : Identity Theft Report Unauthorized Account with XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized account that has appeared on my credit report under my name. The details of the fraudulent account are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> I did not open or authorize this account, and I am a victim of identity theft. I request that this fraudulent account be immediately removed from my credit report and that all associated inquiries be deleted as well. 

Enclosed, I have attached a copy of my government-issued ID, a police report ( if applicable ), and any supporting documentation to verify my claim. Please investigate this matter and provide written confirmation once the account has been removed. 

I appreciate your prompt attention to this urgent matter. If any additional information is needed, please contact me in writing at the address listed below. 

Sincerely, a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Subject : Identity Theft Report Unauthorized Account with XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized account that has appeared on my credit report under my name. The details of the fraudulent account are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> I did not open or authorize this account, and I am a victim of identity theft. I request that this fraudulent account be immediately removed from my credit report and that all associated inquiries be deleted as well. 

Enclosed, I have attached a copy of my government-issued ID, a police report ( if applicable ), and any supporting documentation to verify my claim. Please investigate this matter and provide written confirmation once the account has been removed. 

I appreciate your prompt attention to this urgent matter. If any additional information is needed, please contact me in writing at the address listed below. 

Sincerely, a 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is the third complaint I have filed against Chase Bank regarding a dispute process. The previous two were tiled with the XXXX Chase has, again, violated the CFPB 's rules and refused to process a dispute related to a purchase I made on XX/XX/XXXX for {$190.00} with XXXX XXXX XXXX. At the time of purchase, I was not made aware by the merchant that there were restrictions and blackout dates relative to the property I was attempting to book a vacation at. However, when I went to book the vacation, I was told that there were literal months that I could not make a booking because the hotel was " sufficiently busy to not need our bookings. '' These are blackout dates. I was not provided a refund when I requested it by the merchant because of a return policy that did not give me sufficient time to be made aware of blackout dates that do not exist on their website, in their documentation, in the receipt email for my purchase, or anywhere else applicable to my attempted booking. 

Chase consistently denies legitimate attempts at merchant transaction disputes and the support staff working in the call centers at Chase are not aware of federal laws preventing this from happening. I was denied this dispute on the grounds that the merchant " may reject the dispute, '' which is absolutely ridiculous as a reason to reject a dispute. I am notifying the CFPB of this in addition to filing this claim with the XXXX 

Chase Bank 's practices regarding disputes do not fall in line with the CFPB 's requirements of a merchant to engage in the dispute process. I was charged for goods/ services that the merchant refused to provide. The transaction dispute I attempted was valid and legitimate and Chase 's rejection of the dispute on the grounds that the merchant has a return policy that does not fall within the date range of my attempt to use the product, without taking into consideration the facts of the situation, is in direct violation of CFPB rules. In previous dispute attempts with Chase regarding other purchases, I was told a dispute was invalid because the purchase was made in person and not online. The representatives at Chase do not understand the law and are in violation of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX. In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : XXXX XXXX XXXX Original Creditor : not available XXXX XXXX XXXX XXXX Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX  Original Creditor : not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : not available XXXX XXXX  XXXX  XXXX XXXX XXXX Act. # XXXX XXXX XXXX Act. # XXXX XXXX XXXX Inquiry : XXXX XXXX-Date of Inquiry : XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account that I have included a screenshot inside this complaint in on dates of XX/XX/2024. Please investigate and provide proof with statement showing that these payments were late. If proof can't be provided I demand these payment be updated to be paid as agreed on time as they should be du to the fact I was never late. Thanks in advance! Please see screenshot attached :

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 2025-02-12 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 am writing you about the the misuse of my social security number due to the XXXX Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me.. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX & XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX  XXXX XXXX  NA Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

6. Identity Theft BANK XXXX XXXX Account Number : XXXX*** This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

7. Identity Theft XXXX XXXX TAB BANK Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

8. Identity Theft XXXX XXXX BANK Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

10. Identity Theft XXXX XXXX BANK XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate a

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys Star Rewards Credit Card is charging 33.49 %!!! 

I called and asked for a reduction and I was told all customers are charged this outrageous rate. 

I have a credit rating of XXXX and several credit cards, none above the 16 %. 

Can this be changed?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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 and 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