vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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 reported to be removed/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

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 2025-01-21 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: IL

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 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. 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 2025-01-21 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : NAVY FCU : Inquiry date [ XX/XX/year> ] XXXX XXXX : Inquiry date [ XX/XX/year> ] XXXX XXXX XXXX XXXX date [ XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA. 

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CHERRY TECHNOLOGIES INC.
State: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( Cherry Technologies IN ) has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy, 15 USC 1681 SECTION 604 section 2 a consumer reporting agency can not furnish an account without my written instructions, now under 15 USCS 1666 B a creditor may not treat a payment on account under an open consumer credit plan as late for any purpose. I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter from Chase Bank stating that an individual named XXXX XXXX is attempting to take out a {$200000.00} loan using my property as collateral. The letter also mentioned that he is working with a XXXX representative named XXXX XXXX XXXX. 

This raised immediate concerns as my mortgage is not through XXXX. Upon further investigation, I discovered that XXXX XXXX has no connection to my propertyhe has never lived there, his name is not on the deed or the trust, and he has no legal claim to it. 

This appears to be a fraudulent attempt to secure a loan on my property, and I would like to formally report this issue for investigation and resolution!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me. 

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( XXXX ) : XXXX, XXXX, Transunion Whats Wrong : All Three Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks.

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

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 2025-01-22 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:
To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me. 

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( XXXX ) : XXXX, Experian, XXXX Whats Wrong : All Three Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks. 

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

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 2025-01-21 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: Yamaha Motor Finance Corporation USA
State: SC

Complaint narrative:
Subject : Complaint Regarding Unauthorized Credit Inquiries Dear CFPB, I am writing to formally submit a complaint regarding unauthorized inquiries on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

Upon reviewing my credit report, I discovered several inquiries that were made without my authorization, which include : XXXX XXXX : Inquiry date [ XX/XX/year> ] XXXX XXXX : Inquiry date [ XX/XX/year> ] YAMAHA MOTOR : Inquiry date [ XXXX ] According to 15 U.S.C. 1681b, a credit inquiry may only be made with the consumers authorization or for permissible purposes, such as credit, employment, or insurance applications. As I did not grant permission for these inquiries, they are in direct violation of the FCRA.

I have previously contacted the relevant credit reporting agency to request the removal of these unauthorized inquiries. However, if these inquiries are not removed within 30 days, I am prepared to take further action, including pursuing legal remedies. 

I kindly ask for your assistance in addressing this matter and ensuring that my rights as a consumer are upheld. I would appreciate any guidance you can provide regarding the resolution of this issue and the enforcement of the FCRA. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days.

Accounts to Be Removed : Jefferson Capital Systems Balance : {$610.00} Jefferson Capital Systems Balance : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WA

Complaint narrative:
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXXXXXX - 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I disputed an account on XX/XX/XXXX. The dispute was denied XX/XX/XXXX and remains on my credit report. I redisputed the account XX/XX/XXXX and the dispute was denied less than XXXX later. There's no way plausible that a proper investigation was conducted in less than XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their depute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and l seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Collection Management Holdings, LLC
State: DC

Complaint narrative:
I requested the original documents showing where I had signed any document with my original signer date and time, it`s over 8 months now, I have receive anything, I ask for the inquiry to be remove off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent XXXXSSNCard.

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