vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I became aware of a data breach involving my personal information, which has negatively impacted my credit score. The breach occurred due to unauthorized access or negligence, exposing sensitive details such as my Social Security number, financial account information, and other personally identifiable data. As a direct result, I have experienced fraudulent activity on my credit report, including unauthorized accounts and hard inquiries, leading to a significant drop in my credit score. Despite my efforts to dispute these inaccuracies with the credit bureaus and secure my financial information, the breach has caused ongoing harm, including potential financial losses and difficulty obtaining credit. I am seeking immediate intervention from the Consumer Financial Protection Bureau to address this issue and hold the responsible party accountable.

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 2025-04-10 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: MA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
A fraudulent account was opened up from XXXX XXXX in my name. I never authorized or have any knowledge of this account. Experian has agreed to BLOCK the fraudulent account from XXXX XXXX if I submit the documents that I received from Experian in the email which they are requesting. I am enclosing a copy of the email from Experian along with the documents they have requested.

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 2025-04-10 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:
On XX/XX/year>, a Zelle representative called me and said my previous complaint was fixed ; while they waited I tested my ability to open a Zelle account at my credit union and got the same error I have been getting described in my first and second complaint to CFPB about this issue ( see my CFPB complaints in XX/XX/year> ) ; Zelle said they had fixed it and to call my credit union ; called credit union and they investigated it on their end and were told by Zelle it was fixed ; as of XXXXXXXX XXXX XXXXXX/XX/year>, I do not have reinstated access to Zelle through my credit union, even after clearing my data cache, restarting my browser and trying a different browser. 

( This is Zelle 's last chance to fix my problem before I write a letter to the XXXX XXXX XXXX, contact an investigative reporter, contact XXXX XXXX, etc. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-04-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Here is the list of fraudulent 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 XXXX XXXXXXXX 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 2025-04-10 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 am formally disputing the following negative items on my credit report : XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
Subject : Complaint for Inaccurate Reporting FCRA, GLBA, TILA & IRS Violations I am filing this complaint to report multiple violations by Equifax ( and other CRAs and furnishers ) involving inaccurate, unverifiable, and unlawful credit reporting.

Specifically : Late payments and charge-offs are being reported without validation or proper creditor billing disclosures, violating 15 U.S.C. 1681e ( b ), 1666b, and 12 CFR 1026.7.

Accounts that were cancelled under IRS Form 1099-C are still reported as active debt, in conflict with IRS Pub . 4681 and 26 U.S.C. 6050P.

My nonpublic personal information ( NPI ) is being shared without proper GLBA notice or consent ( 15 U.S.C. 68016802 ).

Reporting of excluded transactional experience data violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

The furnishers failed to verify debts and have not provided required documentation, contrary to Metro 2 standards and 15 U.S.C. 1681i.

I request the CFPB investigate and order the permanent deletion of all inaccurate and noncompliant entries, and ensure future compliance by the CRAs and furnishers under federal law. 

Thank you. 

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 2025-04-10 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: NY

Complaint narrative:
Subject : Complaint for Inaccurate Reporting FCRA, GLBA, TILA & IRS Violations I am filing this complaint to report multiple violations by Equifax ( and other CRAs and furnishers ) involving inaccurate, unverifiable, and unlawful credit reporting.

Specifically : Late payments and charge-offs are being reported without validation or proper creditor billing disclosures, violating 15 U.S.C. 1681e ( b ), 1666b, and 12 CFR 1026.7.

Accounts that were cancelled under IRS Form 1099-C are still reported as active debt, in conflict with IRS Pub . 4681 and 26 U.S.C. 6050P.

My nonpublic personal information ( NPI ) is being shared without proper GLBA notice or consent ( 15 U.S.C. 68016802 ).

Reporting of excluded transactional experience data violates 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

The furnishers failed to verify debts and have not provided required documentation, contrary to Metro 2 standards and 15 U.S.C. 1681i.

I request the CFPB investigate and order the permanent deletion of all inaccurate and noncompliant entries, and ensure future compliance by the CRAs and furnishers under federal law. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2025-04-10 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: FL

Complaint narrative:
A text was sent to my mothers phone number ( which i never provided or authorized to be used ) on XX/XX/year> at XXXX am including sensitive/personal information like account ref. number, indicating it was an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 CFPBs 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am disputing several fraudulent accounts currently listed on my credit report. The presence of these accounts constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 

The disputed accounts are as follows : XXXX XXXX XXXX XXXX ( XXXX ) accounts listed under Depted/XXXX XXXX XXXXXXXX XXXX ) XXXX These accounts are the direct result of identity theft, and I did not authorize or initiate any transactions or agreements with the institutions listed above. Attached to this letter is an official FTC Identity Theft Report substantiating my claim. 

You are hereby demanded to conduct an immediate and thorough investigation and to remove all fraudulent accounts from my credit report without delay. Failure to comply will result in legal action, including the pursuit of damages for the willful reporting of inaccurate and harmful information, as well as formal complaints filed with the CFPB, the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. 

This matter is being documented, and I expect written confirmation of the removal of the disputed accounts within the timeframe permitted by law. 

GOVERN YOURSELVES ACCORDINGLY. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/year>

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/year> Capital One XXXX states that I have perfect history, no late charges & no negative report was generated by XXXX. 
On XX/XX/year> XXXX complaint filed. I need to know HOW to prevent this smudge on my credit report from happening again. XXXX cant give me this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I entered into a leasing agreement with Acima Leasing at Big Os Tires in XXXXXXXX XXXX for the purchase of a set of tires. The approved leasing amount was {$2500.00}. 

At the time of the agreement, my understanding was that {$1400.00} of the approved amount was designated for the purchase of the tires, and the remaining balance could be utilized at other retailers accepting Acima. I was not made explicitly aware that the total cost for the set of tires under the lease agreement would amount to {$2700.00}. While I was aware of a buyout option, it was financially unfeasible for me at the time of the initial agreement. 

In XX/XX/XXXX, after improving my financial situation, I contacted an Acima Leasing representative ( an older white gentleman, as I recall ) in the evening. During this call, I believe I made a payment, updated my payment schedule from weekly to bi-weekly, and, crucially, confirmed the outstanding balance on the lease. The representative stated the remaining balance was approximately {$680.00}. 

However, when I contacted Acima Leasing again in XX/XX/XXXX to make another payment, I was informed that the outstanding balance had inexplicably increased to over {$1200.00}. 

Immediately upon discovering this discrepancy, I requested to speak with a supervisor to investigate the significant increase in the balance and to retrieve a recording of my XX/XX/XXXX conversation where the lower balance was quoted. Despite repeated attempts over a period of more than three weeks, I have been unable to reach the managerial team or obtain the requested call recording. 

While I am committed to fulfilling my financial obligations under the lease agreement, I am deeply concerned about the significant difference between the initially understood cost of the tires ( {$1400.00} ) and the effective cost under the lease ( {$2700.00} ). Furthermore, the sudden and substantial increase in the reported outstanding balance between XXXX and XX/XX/XXXX, after I had confirmed a much lower amount with a representative, raises serious questions about the accuracy and transparency of Acima Leasings accounting and customer service practices.

The inability to contact managerial staff and retrieve the recorded call further exacerbates my concerns and hinders my ability to resolve this issue. I believe these actions may constitute unfair or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I made a request to close my CD ( acct ending XXXX ) to XXXX ahead of its maturity date of XX/XX/XXXX. I asked that funds be transferred to my XXXX XXXX account. When the funds did not arrive, I called XXXX on XX/XX/XXXX with my representative from XXXX XXXX to track down the missing funds. After 1+ hour long hold, we were told by a representative, XXXX XXXX that XXXX received the transfer request but allowed the XXXX to renew anyway. 

I am XXXX XXXX XXXX and the only caregiver to my wife who suffers from XXXX. I could not remain on hold for another hour that day to see why this happened. I tried again -- this time with my daughter on the call -- in a XX/XX/XXXX phone call. Again, we were on the phone for an hour and never spoke to anyone who could explain why the CD was renewed or actually take steps to resolve the issue. 

I am asking XXXX to cover the penalities associated with closing this account now, and I'd like the balance in the account transferred to my external bank account that is already linked to XXXX. 

I have XXXX other CDs that I would like to close, and I'm prepared to file more complaints if these are not handled without a phone call to Synchrony Bank. I believe the bank is using long wait times to avoid closing my accounts.

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