vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
To Whom It May Concern, I am reaching out to formally dispute certain inaccuracies on my credit report and to report an instance of identity theft involving the unauthorized use of my Social Security number. This matter falls under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the highest level of accuracy in consumer files. The following accounts, inquiries, and public records reflect fraudulent activity and should be removed immediately : Accounts to Be Deleted : XXXX XXXX XXXX Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record to Be Deleted : XXXXXXXX XXXX XX/XX/year> Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Additionally, under

15 U.S.C. 1681c-2, any information proven to be linked to identity theft must be blocked from my credit file within four business days of receiving a valid identity theft report. I request that these errors be addressed immediately per this legal requirement.

The misuse of my Social Security number for unauthorized accounts constitutes a violation of 15 U.S.C. 1692e, which prohibits deceptive practices in credit reporting. Furthermore, under 15 U.S.C. 1681s-2, data furnishers are required to ensure the accuracy of the information they provide and must thoroughly investigate any disputes. The continued reporting of fraudulent data violates this obligation.

Under 15 U.S.C. 1681i, I formally request an investigation into these disputed items. Any unverifiable, incorrect, or fraudulent information must be removed without delay. Should these inaccuracies persist, I am prepared to take the necessary steps to enforce my rights under federal law.

This letter should be considered an official identity theft report. I have enclosed supporting documentation for reference. I expect a written confirmation of your investigation results within the legally mandated 30-day timeframe.

Thank you for your prompt attention to this urgent matter. 

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 2025-02-04 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 indicated 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 2025-02-04 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: TN

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TN

Complaint narrative:
I request the immediate deletion of this unauthorized entry from my credit report, as it is not connected to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccuracies in My Credit Reports with Equifax, TransUnion, and Experian To Whom It May Concern, I am writing to formally request an investigation into multiple inaccuracies on my consumer credit reports maintained by Equifax, TransUnion, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in credit reports. However, I have identified several discrepancies that are negatively affecting my credit profile.

The issues I am disputing include : Last Date of Activity The reported last date of activity for certain accounts is incorrect and does not reflect my actual transaction history. 

First Date of Delinquency The first date of delinquency on some accounts appears to have been altered or inaccurately recorded, which affects the timing of negative marks on my report. 

Account Status Some accounts are reported with an incorrect status ( e.g., showing as open when they are closed or vice versa, or inaccurately marked as charged-off or in collections ). 

Comments and/or Remarks Additional comments or remarks have been added to some accounts without proper justification or explanation.

Balance The balance amounts listed for certain accounts are not up to date and do not accurately reflect payments made or account adjustments. 

These inaccuracies violate my rights under the FCRA, which mandates that credit reporting agencies maintain fair and accurate consumer information. Per 15 U.S.C. 1681i ( a ), I request that the CFPB investigate these matters and ensure that Equifax, TransUnion, and Experian correct any errors immediately.

I have attached supporting documentation, including copies of my credit reports with the disputed information highlighted, correspondence with the credit bureaus, and any additional evidence relevant to my claim.

I request that you take appropriate action to ensure my credit reports reflect accurate and up-to-date information. Please provide me with a written response regarding the results of your investigation. If the inaccuracies are not corrected, I may explore further legal remedies to protect my rights. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Inaccuracies in My Credit Reports with Equifax, TransUnion, and Experian To Whom It May Concern, I am writing to formally request an investigation into multiple inaccuracies on my consumer credit reports maintained by Equifax, TransUnion, and Experian. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in credit reports. However, I have identified several discrepancies that are negatively affecting my credit profile.

The issues I am disputing include : Last Date of Activity The reported last date of activity for certain accounts is incorrect and does not reflect my actual transaction history. 

First Date of Delinquency The first date of delinquency on some accounts appears to have been altered or inaccurately recorded, which affects the timing of negative marks on my report. 

Account Status Some accounts are reported with an incorrect status ( e.g., showing as open when they are closed or vice versa, or inaccurately marked as charged-off or in collections ). 

Comments and/or Remarks Additional comments or remarks have been added to some accounts without proper justification or explanation.

Balance The balance amounts listed for certain accounts are not up to date and do not accurately reflect payments made or account adjustments. 

These inaccuracies violate my rights under the FCRA, which mandates that credit reporting agencies maintain fair and accurate consumer information. Per 15 U.S.C. 1681i ( a ), I request that the CFPB investigate these matters and ensure that Equifax, TransUnion, and Experian correct any errors immediately.

I have attached supporting documentation, including copies of my credit reports with the disputed information highlighted, correspondence with the credit bureaus, and any additional evidence relevant to my claim.

I request that you take appropriate action to ensure my credit reports reflect accurate and up-to-date information. Please provide me with a written response regarding the results of your investigation. If the inaccuracies are not corrected, I may explore further legal remedies to protect my rights. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has led to fraudulent activity appearing on my credit report. In light of this, I am requesting that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as they were opened without my consent. 
XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The debt has been paid and the company is not releasing the proper paperwork so that it can be issued to the county to release funds. This debt was paid off in XXXX of XXXX  and they have not fullfilled their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
My complaint has been in courr for years now. My credit is unrwstorable because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I tried to switch my account to my other phone and cash app closed my account. I still have money on my cash app card and can't get it off. They don't have real customer service, just a bunch of people working from home that never have any answers to rectify the situation. They even hung up in my face on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-02-04 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:
Company said I sent wrong identification with FTC report which was a lie, also said I made the request in error which I did not, the company said I knew that I bought goods or services but title 15 1681 c-2 says you cant denied my request based on weather a consumer knew they bought good or services say the Significan of block section, also experian failed to properly investigate this fraudulent account by verifying with the only person with first hand knowledge of the transaction. I do not and can not verify this account it is fraudulent and needs to be removed. Also I was told because I didnt send more identification they asked the company to verify the account on my behalf which is against the law and violates my rights to privacy. I will save all communications and use it to in court to prove the identity fraud against me was committed by Experian, Equifax and Trans Union

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
Company said I sent wrong identification with FTC report which was a lie, also said I made the request in error which I did not, the company said I knew that I bought goods or services but title 15 1681 c-2 says you cant denied my request based on weather a consumer knew they bought good or services say the Significan of block section, also experian failed to properly investigate this fraudulent account by verifying with the only person with first hand knowledge of the transaction. I do not and can not verify this account it is fraudulent and needs to be removed. Also I was told because I didnt send more identification they asked the company to verify the account on my behalf which is against the law and violates my rights to privacy. I will save all communications and use it to in court to prove the identity fraud against me was committed by Experian, Equifax and Trans Union

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I responded to your email received on XXXX XXXX, XXXX, but am not sure if my response will result in further review. I thus am writing here as well. 

You seem to have closed my case ( No. XXXX ) before I had a chance to respond to the company. Only today did I learn that Wells Fargo has provided another evasive response, and on this basis I would ask you, please, to reopen this case.

My complaint explains that Wells Fargo incorrectly perceived a security concern about my address when I attempted to open a checking account. The bank blocked my account until XXXX XXXX ( actually XXXX XXXX ) because of its misperception and even lost my attempted deposit. It was not until XXXX XXXX ( to use the date which the bank prefers ) that the bank realized its mistake at my urging. The bank writes in its new response : " We determined the account hold was removed on XX/XX/XXXX, when we received a call from you and Loss Prevention team was able to verify you. This allowed you to make deposits to your account. We received your FIRST DEPOSIT ( emphasis added ) of {$300.00} on XX/XX/XXXX. '' The bank admits that subsequent deposits totaling {$1500.00} were made on XX/XX/XXXX. 

Since XX/XX/XXXX clearly was within 90 days of my first ( cognizable ) deposit on XXXX XXXX, I should have qualified for the {$300.00} promotion ( re : deposits of {$1000.00} or more made within 90 days of opening the account ). During the period when the account was blocked, but through no fault of my own, it was not open in any realistic sense. Since, as the bank admits, the first deposit that the bank was willing to accept was not made until XXXX XXXX, that date should count as the starting date of the account. 

In sum, the period from XXXX XXXX to XX/XX/XXXX is less than 90 days, making me eligible for the {$300.00} promotion. As I noted, by coming up with a false security issue, the bank appears to have manufactured an excuse to deny me the promotion, while having interest-free use of my deposits during the interim. If you ask the bank to state under oath how many other customers were denied the promotion under similar circumstances, I suspect that you will find a nationwide plot to raise capital by attracting customers under false pretenses. If the bank really wanted me as a customer and not just temporary use of my funds, it would have honored the promotion. 

The bank, I believe, not only should honor the promotion for me and for other similarly situated victims, but pay a penalty for its bad faith, whether the penalty goes to us for our trouble, to the U.S. Treasury, or to charity. ( Please delete my personal information if you publish this complaint. )

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 2025-02-04 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: NJ

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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I decided to look and see if my personal information has been exposed. To my surprise My information has been compromised with the Equifax and XXXX XXXX XXXX. This is type of discovery terrified me. There are accounts on my consumer report that I know has been questionably. I have decided to file a FTC report, screenshot of the exposure of my personal information. My personal financial and other private information has been exposed to the dark web. There fore I am requesting for a block on all accounts listed within the FTC immediately. I am not requesting for a regular dispute but for 4 days dispute according to Section 605B. See Attachments Below Account Name XXXX XXXX- account Number XXXX XXXX XXXX Account XXXX XXXX XXXXaccount number-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