vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
Attached to this letter is a copy of my FTC Identity Theft Report, which provides details regarding the fraudulent activity. In addition, I am invoking my rights under the following legal provisions : 1. 15 USC 6802 The Gramm-Leach-Bliley Act, which mandates that consumer reporting agencies take appropriate action to prevent identity theft and ensure that consumer information is protected. 
2. 15 USC 1681b Under the FCRA, a credit reporting agency may not report information if it is determined to be a result of identity theft. I request that you remove all fraudulent information from my credit report.

3. 18 USC 1028A This statute criminalizes identity theft and provides a legal framework to help consumers protect themselves from fraudulent activity. I am actively pursuing this matter in line with this law and expect your full cooperation in removing the fraudulent information. 

I request that you take immediate action to block any fraudulent accounts from my credit report. As required by the FCRA, please complete your investigation within 30 days and notify me in writing of the results, along with any actions taken to resolve this matter. 

Please also provide me with written confirmation that the fraudulent accounts have been removed from my credit report. If you need any further documentation to assist in your investigation, please inform me promptly. 

Thank you for your cooperation in ensuring that my rights under the law are upheld. I look forward to your prompt resolution of 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my finically institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking this transaction was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploited the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Over the course of ten minutes I was called from the same phone from XXXX, CA XXXX twice on my home phone and twice on my cell phone. After holding for over 30 seconds after a person answered for someone else to come on the phone, they claimed they were from Experian and wanted to ask me about a supposed credit card application I submitted in XXXX Texas. When I asked for details they talked in circles and said they were trying to protect me by not approving the application, but when I said it was fraudulent and not to approve it they wanted more of my information. I tried contacting Experian directly, but they won't take emails and won't connect you to a person without you giving them your SSN. This is absurd and absolutely pitiful customer service.

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 2025-01-16 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 a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 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: OH

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-15 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: OH

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-15 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: NY

Complaint narrative:
Experience has failed to fulfill its illegal obligation under the fair credit reporting act FCR a to conduct a reasonable re-investigation of disputed information on my credit report leaving it in accurate or unverifiable account on resolve the consumer financial protection bureau CFPB has recently started a lawsuit against experience Alleging, systematic issues such as feeling to forward consumer provided evidence of furnishers acceptable unreliable responses, and fail to accurately notify the consumer of dispute outcome these failures align with my experience where experience has neither corrected nor removed Disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my life at the 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 2025-01-15 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians inaction violates federal law and 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
By their failing to put in place proper safeguards, XXXX became a gold mine for fraudsters. I have been a victim of multiple scam attempts. If I was selling something on XXXX  XXXX  someone would ask to XXXX  me a huge amount and I'll send them the difference.

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 2025-01-15 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: FL

Complaint narrative:
I am filing a complaint for incorrect late payments reported on my credit report during the COVID-19 national emergency period. These late payments were recorded for account XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial hardship due to the pandemic by allowing forbearance and preventing negative credit reporting during this period. Despite this, creditor XXXX XXXX reported my account as delinquent, which unfairly impacted my credit score and contradicted the protections provided by the CARES Act. 
I previously contacted XXXX XXXX and requested that my account status be corrected to reflect a " PAID/ACCEPTED '' or " OK '' status for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I request that the CFPB investigate this matter to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are respected and that my credit report is accurately updated.

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 2025-01-15 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( cfpb ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither collected or removed disputed items despite the evidence I provided, causing guarded harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts. As experience in action. Violate federal law, and 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XXXX of XXXX, I signed up for student loan forgiveness via the US department of Education and spoke with someone about getting this process started due to my years of service as an educator. Since beginning this process, I have noticed that my name appears wrong on my student loans that show up on both XXXX XXXX, TransUnion, and other credit reporting agencies. I spoke with a representative of US dept of Ed, who shared this issue would be fixed immediately. However, since then, my student loans have changed hands twice without any communication from the new creditors. My loans, who now live with XXXX new companies that I have no knowledge of, have yet to change this information on my reporting- which is therefore inaccurate. I have tried both disputing and fixing these issues with these companies, transunion and XXXX XXXX ( still with no movement on my loan forgiveness ). When I call I am always placed on extremely long holds and cant get people on the phone in a timely manner to resolve this issue or drop this from my credit reporting, as it is inaccurate. I have also tried to speak with XXXX about the accuracy of what is reported on my credit report, as there are XXXX SEPARATE, yet similar another amounts from the same organization reflected on my account, yet one has not been updated since XX/XX/year>, which leads me to believe this is an additional issue, yet I can get no explanation from the organization.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I got scammed {$700.00} on Zelle and they didnt help me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 about Zelle 's handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights critical shortcomings in the platform 's operations. 
As a frequent user of Zelle, I have reported transaction discrepancies on multiple occasions. However, my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. 
The CFPB 's findings further reveal that Zelle has failed to safeguard consumers effectively, enabling repeat offenders to exploit the platform and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and unacceptable. 
Consumers rely on Zelle with the expectation that their transactions will be secure and that any issues will be handled responsibly. Unfortunately, Zelle 's current practices undermine trust in the platform and jeopardize consumer safety. 
I urge you to address these systemic issues promptly and implement measures to enhance security, improve transparency, and ensure proper resolution of disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed XXXX XXXX credit cards and a Walmart credit card. I was NEVER late or had reversed payments now with XXXX closed accounts at creditors request I am stuck with XXXX {$300.00} limit cards with no chance of increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
on many ocacasions, i sent money to the wrong user due to small discrepancies and was unable to reverse the charge to send to the correct person

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: SC

Complaint narrative:
I obtained a loan for {$5000.00} from Mariner Finance. Got this at the XXXXXXXX XXXX XXXXXXXX. 
This was in XX/XX/year>. 
I went to make a payment ag same branch, on or about XX/XX/XXXX. 2024 and was NOT allowed to make payment. Was told they do not accept cash payments. 
On XX/XX/year>, or about then, I went to the XXXX XXXX branch. Was told the same thing. That cash was not accepted. 
I was called by Mariner in XXXX or XXXX and was asked about making a payment. Told lady I would make a cash payment. She said that cash is not accepted. 
Now loan has been put in collections and a huge negative impact on my credit. 
My bank account debt card has been hacked so many times and have had to get new card that I no longer use my card. 
I am requesting that the CFPB have them remove any and all reference to loan from my credit report and to cancel the entire loan. 
Am requesting no restitution for not accepting the Only US Legal Tender. I only want loan gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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:
Subject : Discrepancy on Credit Report Dear [ XXXX, TransUnion & XXXX ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : 1. XXXX 2. XXXX XXXX Thank you for your attention to this 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 2025-01-15 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: NY

Complaint narrative:
Subject : Discrepancy on Credit Report Dear [ XXXX, XXXX & Experian ] I am reaching out to inform you of some discrepancies I have discovered on my credit report dated XX/XX/year>. After a detailed review, I found several accounts that are not associated with me. I kindly request your assistance in promptly removing these inaccurate entries from my credit history. 

The accounts in question are as follows : 1. XXXX 2. XXXX XXXX Thank you for your attention to this 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 explanation