vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: RI

Complaint narrative:
I never received copy of original promisorry note as requested in last complaint. XXXX received a XXXX XXXX XXXX, without copy of requested original Promissory Note which would validate the lioan. 
Need promissory note immediately

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: PA

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 2025-02-12 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-12 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MO

Complaint narrative:
I have tried 3 times now to file a dispute on fraudulent transactions made on my bank account ( Chime ) due to hackling and compromising account information, and getting scammed by the same people who hacked my account. They have denied all 3 disputes, despite the supporting documentation I've sent them. I also had to file a police report and sent it to them. The hackers also closed my savings account and I had to call Chime to reopen it. Below is the statement I also sent them : I received a text message asking if my card was being used at a XXXX XXXX in Texas. Immediately after I replied no, I got a call from a man claiming his name was XXXX XXXX from Chime support, and asked me if k tried using my card at this hotel. I said no, he said he would help me replace my cards. Then he said he would need to close my account and make a new one for extra security. He proceeded to tell me that I needed to send the money I had in my current account to go to Pay Anyone and send the money in my current account the new account and provided me a number for the new account he said he was creating for me, I said it looked like a phone number and he said dont worry, it will come out looking like a phone number. At this point I was reluctant but he seemed believable, even thought I should have believed him. I thought maybe this was a new Chime protocol. Somehow he got some of my account information and then proceeded to ask me to confirm more of my information, so I did because I thought it was Chime support. He said I would get an email with access to my new account after I sent the money. I eventually figured out that my account was hacked because he was able to close my savings account. And kept asking me for my card information. After an hour and a half on the phone with him, I realized that this wasnt chime support and that I had been scammed. I dont know how much of my information he save, but please be aware that I only have ONE Chime account. I have changed my passwords, virtual cards, and my email. I immediately called the actual chime dispute center to report it and file a dispute. The number I was tricked into sending my money to is XXXX I DO NOT know this person or this phone number, I am not affiliated with this phone number in any way, or the account my funds were mistakenly sent to. There is someone sending out false text messages and pretending to be Chime Support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of account XXXX XXXX XXXX XXXXXXXX XXXX. There is no balance owed on this account, yet you are incorrectly reporting a balance of {$370.00}. I have attached documentation from the company confirming that no balance remains. 

Despite my repeated attempts to correct this issue over the past three months, you have failed to provide any verification to support your claim. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as you are required to ensure the maximum possible accuracy of the information you report. 

Due to your negligence and noncompliance with FCRA regulations, I am demanding the immediate deletion of this account from my credit report. If this matter is not resolved promptly, I will have no choice but to pursue litigation and seek monetary relief for statutory damages and emotional distress caused by your willful noncompliance.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 XXXX  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 2025-02-12 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: VA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I was contacted by someone pretending to be a Truist Bank XXXXraud Protection Employee. They asked for the last 5 digits of my SSN and accessed my online banking records. The individual said there was fraudalent activity on my account and I needed to go through a " provisional credit '' process. During this process from XX/XX/XXXX - XXXX I was instructed to send money via XXXX, XXXX XXXX, and XXXX to restore the funds from my old account to a new checking account. After several days I realized this was not a legitimate process from Truist Bank. XXXX refunded {$2300.00} that was unauthorized. 

On XXXX I went to my local Truist branch and filed a report with the phone numbers the individual called me from. At that time, I was informed that the remaining XXXX XXXX transactions and the {$1000.00} sent via XXXX would be replenished within 10 business days after it was posted to my account. However, this never occurred.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I'm reaching out because I recently applied for one of your credit cards and ran into an error that you ( almost deliberately ) caused. The preapproval page for the credit card said I could mention someone elses income if they are paying for my expenses, but thats all it mentioned. You then tell me after the hard inquiry already happened that ill need the person paying my bills to provide a letter to you that is notarized as well. Not only did you fail to mention that when its actually needed ( I wouldnt have even applied if I had known ) and what you did was likely illegal as well because it directly affected my credit score due to you basically lying to me, but Im not paying probably $ XXXX for something that you failed to mention. There's a lot more I could mention here, especially since what you just did was highly illegal, but ill gloss over a lot and leave it at this. Im going to include my bank statements below to verify that Im depositing money that a family member is giving me when I need it, but if thats not good enough for you to approve, then fix the XXXX points you illegally made my credit score drop, and that last line isnt up for debate either.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with explanation