vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, experian, and equifax credit report. 
XXXX XXXX XXXX, Inquiry XXXX. XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX. XXXX XXXX XXXX, Inquiry XXXX. 
XXXX XXXX XXXX, Inquiry XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX XXXX XXXXXXXX XXXX, Inquiry XXXX. 
XXXX, XXXX XXXX. XXXX XXXX  XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX FIN XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX par XXXX XXXX XXXX. XXXX. XXXX, XXXX date : XXXX. XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX 2013

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 2025-02-10 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 filed XXXX  on XX/XX/XXXX. The XXXX XXXX XXXX was notified of the XXXX. After the discharge on, XX/XX/XXXX the creditor sent me a bill demanding payment. My attorney advised that I send the creditor the XXXX  case number and to inform them the debt had been XXXX. The creditor insist that I pay for a XXXX debt. They have reported me late post XXXX  and my credit has been impacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
THESE COMPANIES PULLED MY CREDIT REPORT WITHOUT MY CONSENT. THESE INQUIRIES WERE PULLED FRAUDULENTLY.

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 2025-02-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Dear XXXX XXXX XXXX XXXX, This letter is being sent in response to a listing on my credit report, regarding account XXXX. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692G, stating that your claim is disputed, and validation is requested. This is not a request for verification or proof of mailing address, but a request for validation made pursuant to the above name title and section. I respectfully request your office provide me with competent evidence that I have any legal obligation to pay you, and that you are legally able to collect on this debt. At this time, I will also inform that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ) that this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or company that represents you, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and defamation of character. In addition, I am requesting documentation showing detailed invoices and transactions of the balance being requested. If your offices can provide the proper documentation as requested in the following declaration, I will require at least XXXX days to investigate the information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consider legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 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 2025-02-10 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: EQUIFAX, INC.
State: MA

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 2025-02-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX : # XXXX, XXXX XXXXF XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX  XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I stopped in the local Digital Federal Credit Union or DCU branch in XXXX, MA on XX/XX/year> to pay in full and remove my name as co-signer from my children 's credit cards that I had gotten for them when they were teenagers in High School. I was told that I could not without their consent, and I would be liable for any future charges to the card even though I offered to pay them in full for all previous charges. I reiterated that I would pay the full amount due on the accounts below. 
XXXX XXXX - DCU Cash Rewards XXXX - Balance Due - {$310.00} XXXX XXXX - DCU XXXX XXXX - Balance Due - {$480.00} I was told without their signature I could not remove myself as cosigner and would be liable on all future charges in perpetuity. When asked for documentation that I had signed that showed that I had no control over this account, yet would be held fiscally responsible they sent over three documents that do not state this anywhere.

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 2025-02-10 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: TX

Complaint narrative:
I requested a XXXX form for this charged off account and never received anything. This is the letter I sent them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$XXXX} charged off Subject : Request for Removal of Charge-Off Failure to Issue XXXX To Whom It May Concern, I am writing to formally request the removal of a charge-off related to account number [ Account Number ] from my credit report. This account was reported as a charge-off ; however, I did not receive a Form XXXX as required under IRS regulations for canceled XXXX exceeding {$XXXX}. 
Under IRS guidelines, creditors and collection agencies are obligated to issue a XXXX for any forgiven or canceled debts. As a consumer, I rely on accurate reporting, both for tax purposes and for maintaining an accurate credit history. The absence of a XXXX calls into question the validity of this charge-off and the procedures followed by your office in reporting this debt. 
I respectfully request that this account be reviewed and the charge-off removed from my credit report as a gesture of XXXX  and compliance with federal regulations. I have attached my most recent credit report highlighting the account in question for your reference. 
I value my financial reputation and am committed to ensuring all accounts are reported accurately. If additional information or documentation is needed, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a resolution. 
Thank you for your prompt 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 2025-02-10 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: Experian Information Solutions Inc.
State: TX

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 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 corrected nor removed the 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 Experian 's inaction violates federal law and my rights as a consumer. Thank you!

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 2025-02-10 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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NM

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
I am a victim of identity theft, and fraudulent information has been reported on my credit report. Several accounts have been incorrectly listed as delinquent, which has significantly affected my credit. These accounts include : XXXX XXXX ( Account Numbers : XXXX and XXXX ) - Status : Charge-Off XXXX XXXX XXXX ( Account Number : XXXX ) - Status : Closed XXXX XXXX XXXX Account Number : XXXX ) - Status : Collection Additionally, an incorrect address has been listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This address is fraudulent and should be removed from my file. 

I have taken the necessary steps to report the identity theft, including filing an identity theft report and submitting disputes to the credit bureaus under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have also provided all supporting documentation, including proof of my identity, proof of my updated address, and a police report, to Equifax, XXXX, and XXXX. 

Despite these actions, the fraudulent accounts and incorrect address remain on my report, negatively impacting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX - XXXX _____________________________________________________ PLEASE REMOVE ALL INQUIRIES : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX  XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Automotive XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-02-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX - XXXX _____________________________________________________ PLEASE REMOVE ALL INQUIRIES : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX  XXXX Inquiry date XX/XX/2023 XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX  + Automotive XXXX XXXX Inquiry : XXXX. XXXX, XXXX  + Finance/Personal 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief