vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Iam 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 2025-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
I am being charged interest on my loans which have been in administrative forbearance since approx XX/XX/year> and should not be accruing any interest. All loans are in SAVE plan at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Potential Identity Theft Dear Experian, I am writing to formally dispute inaccurate information appearing on my credit report. I believe the information listed below may have been caused by identity theft due to a data breach where my personal information was compromised. I kindly request an investigation under the Fair Credit Reporting Act ( FCRA ). 
Below are the details of the disputed accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Issue : This account reflects a charge-off and an inaccurate past due balance of {$10000.00}. I do not recognize this account or the charges associated with it. 
XXXX. XXXX XXXX XXXX. 
XXXX Account NumbeXXXX : XXXXXXXX XXXX Issue : This account is reported as charged off with a past due balance of {$3800.00}. I believe this account may have been fraudulently opened or accessed without my knowledge. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Issue : This account reflects a past due balance of {$180.00} and late payment history. I believe the activity on this account is inaccurate and may also be related to identity theft. 
As evidence of the data breach and identity theft, I am attaching the following : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). 
A copy of the police report filed regarding the theft of my personal information. 
Please investigate these accounts thoroughly, and if you are unable to verify their accuracy with supporting documentation, I request that they be removed from my credit report immediately. 
Enclosed are copies of my identification and proof of address to assist in your investigation. Please let me know if you require any further documentation or details. 
Thank you for your prompt attention to this matter. I expect to receive the results of your investigation within 30 days, as required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Identity Theft Report Police Report Copy of Credit Report ( highlighted ) Copy of ID Proof of Address Per 15 U.S.C 1681i ( a ) ( 1 ) ( A ) Experian nis required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 u.s.c 1681i ( a ) ( 5 ) any information found to be inaccurate incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Please unblock or unrestricted my XXXX access when I try to use XXXX it it say this As youve requested, weve removed your access to XXXX. If you have questions, were available XXXX at XXXX. I never request the access to be restricted or removed or blocked I didnt do nothing wrong to be restricted or blocked please unblock the access or unrestricted the access so I can use XXXX again and unblock the XXXX XXXX or unrestricted the XXXX XXXX and unblock or unrestricted the account XXXX XXXXXXXX so I can use XXXX again my name is XXXX XXXX and account information is checking account number is XXXX etc. please look at the attachment below etc.

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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
This target was opened without my knowledge I filed two disputes with XXXX and they said it was accurate which it is not I have no information to the credit card or dont know when it was opened I only seen it on my credit report spoke with someone the phone at XXXX wasnt much help at all and contacted target and they said they couldnt even find the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: 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. 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. Equifax, XXXX and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report.

15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information.

15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice.

I have sent multiple dispute letters to TransUnion requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, TransUnion has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. 
Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. 
I am requesting the CFPB to investigate Transunion 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.

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 2025-01-28 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: NJ

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear under my name. This situation is deeply concerning, as it affects the accuracy of my credit report and my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Credit Reporting Civil Liability for Negligence under FCRA Section 1681O Dear XXXX I am writing to formally dispute the information reported in my credit file with your agency, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O, which provides for civil liability for negligence. 

Upon reviewing my credit report, I have identified Transworld system inc. for the inaccuracy of reporting on my credit report. I believe that this information was reported negligently and does not accurately reflect my credit history, which has caused harm to my credit score and reputation. 

Under Section 1681O, I am entitled to seek damages for negligence in the reporting of information that is either inaccurate or incomplete. The information reported by your agency fails to meet the reasonable standard required under the FCRA, and as such, I am holding your agency accountable for this oversight. 

Please conduct a thorough investigation into this matter and correct or remove the inaccurate information from my credit file at your earliest convenience. I expect a prompt resolution, as the negligence in this reporting has caused significant damage to my financial standing. 

I request that you provide me with written confirmation of the actions taken to resolve this dispute and any updates to my credit report within the time frame required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-01-28 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, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX derogatory and past due comments were reported under my name to both the XXXX and XXXX credit bureaus stating that my account was past due by PHH Mortgage Services. The balance on the account reported was for {$410000.00} and the delinquent amount {$2500.00}. I do not have an account with PHH, so I tried to contact them ( by phone and email on XX/XX/XXXX ) to ask them what the comments were related to and if they could remove them errors that were reported. They responded back to me on XX/XX/XXXX confirming I do not have an account with them and they can't not discuss anything further due to privacy. I tried to follow up again with a call XX/XX/XXXX and was told the same thing and they can't do anything about it since I do not have an account with PHH Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I sent {$100.00} from my Truist checking account via XXXX to XXXX XXXX XXXX ID number XXXX utilizing her telephone number. Unfortunately, unbeknownst to me her number was temporarily disconnected. She reinstated her number days later, but the funds never showed up in her account, nor were they reversed and credited to my account. I phoned the bank numerous times to request a refund and I was told that they could not find the funds. More specifically, I was told that as far as the bank was concerned the funds reached the recipient. The recipient and their bank confirmed that the funds never reached the recipient 's account. To this day, I have not received a refund of those funds nor do I know where they are.

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 2025-01-28 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: Westlake Services, LLC
State: GA

Complaint narrative:
As of today XXXXXXXX XXXX XXXXXXXX, my accounts and or transactions on my credit reports with XXXX, XXXX, and XXXX are not accurate and most have not been consented to pull hard inquiring and soft inquiring on my credit backing to the dates of XX/XX/year>. XXXX XXXX XXXX is stated to be open on XXXX XXXX with accreditable line limit of {$750.00} us dollars, with an {$55.00} us dollars balance, untrue, needs to be removed. XXXX XXXX XXXX XXXX, who is this company they need to provide consent signatures of contract to this debt of {$720.00} us dollars. Westlake Portfolio management has a {$28000.00} that I stated to a be a lease agreement on XXXX XXXX. This account was originally open with another financial agency, leaving to believe the contract was XXXX or nor voided. Westlake Portfolio only reported half of the money given and received from this lease contract. I find that this is not consist or accurate the information and document I withhold pertaining to tis contract. Yes, will be reaching out via mail and online portals to clear matter. Due to inaccurate information disclosed on my reports misleading transactions has to lead to denial of applications and credit score to decline. All the reporting of address is wrong inaccurate and misleading to believe those are my residents. Reported cell numbers are in correct. Misspelling of my name is wrong and in correct. Is has led me to believe someone could have used my credit without my knowledge or consent due to denial of banks account openings. If the student loan is closed, there shouldn't be seen and reported to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, one that has been marked by significant hardship, including the global XXXX pandemic and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( XXXX, TransUnion, and XXXX ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately. 

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.

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 2025-01-28 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: GA

Complaint narrative:
I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, XXXX that has been marked by significant hardship, including the global XXXX pandemic and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected XXXX XXXX XXXX XXXX XXXX following my car accident compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( Experian, XXXX, and XXXX ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately. 

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was scammed out of {$2000.00} from cash app and customer service was unavailable to assist me. Cash app customer service never reached back out and my money was never recovered. Cash tag is XXXX XXXX

Company response to consumer: Closed with explanation