vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX : oy concerns regarding Zelle 's hanuling 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 XXXXXXXX XXXX XXXX XXXX XXXX  overing lost XXXX XXXX. 
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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, Re : Complaint Filed on XXXX XXXX XXXX I am writing to bring to your attention a potential violation of federal law by the creditor in question. According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), creditors are required to respond to a consumer 's complaint within 30 days.

In this case, the complaint was filed on XXXX XXXX XXXX, and the creditor did not respond until XXXX XXXX XXXX, or have yet to respond as of today which exceeds the 30-day timeframe. Specifically, the law requires that debt collectors provide verification of the debt or respond to the consumer 's dispute within 30 days of receiving the dispute ( 15 U.S.C. 1692g ( b ) ).

Given the creditor 's failure to respond within the statutory timeframe, I respectfully request that the CFPB take further action to address this matter and ensure compliance with federal law. 

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 explanation
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX  XXXX Bankruptcy Reported to 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 2025-06-28 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: DC

Complaint narrative:
There is a fraudulent credit card account ending in XXXX  on my credit report from XXXX XXXX. This is not my account. I am a victim of identity theft and have an Identity Theft Report with FTC. Please see the attached document. I request to delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year>. I was given a verified cashiers check from XXXX of XXXX XXXX This was given due to an inheritance. I tried to deposit it in the mobile app but was given issues dude to being larger than XXXX XXXX So I went to an in person location and had a BANK OF AMERICA teller help me. As she proceeds she lets me know that only XXXX will be available the next day. And the rest XXXX will be available on XX/XX/XXXX. I was given a complete cashiers receipt for this transaction as well. But as I call Bank of America to have this resolved. XXXX given back push and saying my items will be delayed further. I advised them I had bills to pay and that this hold seems to be affecting my person life. They lacked remorse and didnt help with anything but you have to wait til XX/XX/XXXX. Keep in mind, their is no reason for any fraudulent belief because I went in person to a teller, had XXXX forms of ID, and as well the money is from a inheritance, there was a court case number on the check as well.

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 2025-06-28 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: OH

Complaint narrative:
On XX/XX/XXXX, I have contacted Experian Disputes department are errors on my report such as personal information that was inaccurate and accounts being reported that was not accurate as well with proof of the copy of the XXXX  XXXX bankruptcy filing of the discharge items that Experian keeps reporting as open negative with a balance when it was discharge debt in XXXX  and I asked to be updated as such. They have refused to do and has caused me to seek legal assistance in this matter. They have refused me the write to dispute the debt on line on by phone and they continue to violate my rights as a consumer.

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a Citi Simplicity card solely to complete a partial balance transfer from my XXXX credit card, which was approaching the end of its XXXX XXXX  APR period. At the time of application, my XXXX XXXX was XXXX. I was approved for a {$2000.00} credit limit, and a Citi representative specifically recommended the Simplicity card for balance transfers. 

On XX/XX/year>, I submitted a balance transfer request for {$1900.00} from my XXXX card. On XX/XX/year>, I received an email confirming Citi had received my request. On XX/XX/year>, I saw no activity on my Citi account no pending, denied, or approved transactions so I resubmitted the request, thinking it XXXX not have gone through. 

I then called Citi, and a representative named XXXX ( call at approximately XXXX XXXX on XX/XX/year> ) explicitly told me the transfer would be approved later that day. 
However, on XX/XX/year>, I received an email stating the request was denied due to a " change in creditworthiness. '' This is misleading. My XXXX XXXX did not decrease it increased actually from XXXX to XXXX. I called again ( several times ) and was told by a supervisor that my score did not meet their internal requirement of XXXX. I was further told I would not be allowed to transfer even {$1.00} despite having been approved for the card based on my prior score and told by a Citi representative the transfer would proceed. 

I would never have applied for this card had I known Citi would later deny the transfer for reasons that contradict the approval criteria and their own communications. When I asked why was I approved for the card at all in this case, they gave no answer. This has caused direct financial harm, as I will now incur a high APR on my XXXX card starting XX/XX/year>. 

This appears to be an example of deceptive and misleading lending practices, and I respectfully request CFPB review this matter.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I made a complaint against Harris and Harris for the 121 debt they were trying to collect that I do not owe. Now they've given another company XXXX XXXX the debt for 121 that I DO NOT OWE. Harris and Harris are now trying to collect XXXX dollars for the same company XXXX. This has been added to my credit report and has dropped it dramatically. I've NEVER done business with these companies and wants these items removed from my report and file a data breech. I did not give anyone permission to sale my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX BANK XXXX XXXX XXXX - Date Opened XXXX. XXXX, XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Equity Sales Finance, Inc.
State: AR

Complaint narrative:
Equity finance claim they were help to pay IRS and they said they were working on behalf of IRS while deceiving people to book a fraudulent loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-28 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: WI

Complaint narrative:
I submitted a complete identity theft dispute to TransUnion on XX/XX/year>, in accordance with FCRA Section 605B. My dispute included a valid FTC Identity Theft Report, a government-issued photo ID, a recent utility bill for address verification, and a clear list of accounts that were fraudulently opened in my name including the account from XXXX. 

Despite providing all legally required documentation, TransUnion failed to remove the XXXX XXXX  account from my credit report. They closed the dispute without making any changes, even though the law requires them to block identity theft-related information within 4 business days unless they have clear proof the claim is false or fraudulent which they do not. 

This failure to act is a violation of my rights under the Fair Credit Reporting Act. I am requesting immediate removal of the XXXX account and full compliance with FCRA Section 605B. I have attached the original identity theft packet submitted to TransUnion.

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 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX XXXX XXXX, Account Number : XXXX. The account is reported as opened on XX/XX/XXXX, with a past due balance of {$580.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt and believe it is being reported inaccurately. I am requesting that this account be fully verified with original documentation. If the debt can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be removed entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally disputing the reporting of a collection account listed under XXXX XXXX XXXX XXXX, Account Number : XXXX. The account is reported as opened on XX/XX/XXXX, with a past due balance of {$580.00} as of XX/XX/XXXX. 

I do not recognize or acknowledge this debt and believe it is being reported inaccurately. I am requesting that this account be fully verified with original documentation. If the debt can not be verified in compliance with the Fair Credit Reporting Act ( FCRA ), it must be removed entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Theses inquires didn't have my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
The reporting collection agency XXXX XXXX reported balances on my credit report. I called them to verify the original creditor information and they wanted me to pay them for the information. I informed them that was not in compliance with the FCRA and they hung up the phone on me. I knew this was a fraudulent agency so thats why XXXX submitting 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 non-monetary relief
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
The reporting collection agency XXXX XXXX reported balances on my credit report. I called them to verify the original creditor information and they wanted me to pay them for the information. I informed them that was not in compliance with the FCRA and they hung up the phone on me. I knew this was a fraudulent agency so thats why XXXX submitting 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