vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I contacted Cashnet USA which is the original people over the account, but they gave it to XXXX XXXX XXXX but this account does not belong to me. Ive been trying to to get this dept off my credit for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX XXXX XXXX, 2025 RE : Credit Report Dispute under 15 U.S.C. 1681 ( Fair Credit Reporting Act ), I am writing to formally dispute the reporting of closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that you investigate the following issue : 1. Lack of Written Consent : Under 15 U.S.C. 1681b, a consumer report may only be furnished under certain permissible purposes, typically requiring either the consumers written consent or a clear legal basis. I never provided written consent to any business to obtain or furnish my information regarding the closed accounts listed below. Therefore, I believe these accounts are being reported without a permissible purpose or authorization. 2. Request for Deletion of Inaccurate/Unauthorized Information : Because I have not given written consent for these specific closed accounts to be reported, and they do not appear to meet the permissible purpose criteria, I request that you delete all closed account information from my credit file. Please remove these accounts and send me an updated copy of my credit report once the investigation is complete. Below are the details of the closed accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate this matter and delete the unauthorized information from my credit report. In accordance with the Fair Credit Reporting Act, you have 30 days to complete your investigation and notify me of the results. Please send an updated credit report reflecting the changes once these items are removed. If you determine that the information can not be removed, please provide me with a detailed explanation and the method used to verify the accuracy or permissible purpose of the information in question. Thank you for your prompt attention to this matter. I look forward to your timely response. Sincerely, 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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have paid the account off on several times, however the company continue to charge me late fees for some reason. I believe their action is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
The Consumer Financial Protection Bureau today released a final rule XXXX XXXX banning medical bills on credit reports and prohibiting lenders from using medical information in lending decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 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: NV

Complaint narrative:
My id was stolen and much of the so called debt is due to this

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 2025-02-23 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: NV

Complaint narrative:
My id was stolen and much of the so called debt is due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I tried for over a year to get my money back and they continually tolde i was denied. I have just been emotionally distraught didnt know where to turn. When i tried to do the claim even it wouldnt let bc i didnt have a settlement number. They didnt even send the cash settlement paper to me. I know for certain its fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate removal of certain inaccurate information on my credit report. I recently reviewed my report and discovered several entries that do not accurately reflect my account history. I refer to my rights under 15 U.S. Code 1681i, which mandates that if information is found to be inaccurate, incomplete, or unverifiable following a reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

To provide context, I originally held a credit card with a {$1000.00} limit from XXXX XXXX. I consistently made at least the minimum payment on time through an automatic payment system. However, after XXXX XXXX  was sold to XXXX XXXX  located in MissouriI received an email instructing me to accept new terms and notifying me that a replacement card would be issued. Despite their assurance that the card had been sent, I have not received it despite several follow-up calls. Consequently, I have been wrongly reported as having missed payments, which has adversely affected my credit.

In light of these circumstances, I respectfully request that you immediately remove the inaccurate items from my credit report. Please also ensure that the furnisher of this information is notified of the corrections, as required under 15 U.S. Code 1681i.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been corrected.

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 2025-02-23 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:
I am writing to delete the following information in my file, the items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. These remarks have been detrimental to my life and credit health.

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 2025-02-23 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: NY

Complaint narrative:
I am writing to delete the following information in my file, the items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I Check my credit regularly and this account appears out of nowhere on my credit profile. Im certain I've never heard of nor had any knowledge of this creditor, with a balance over {$14000.00} sending my credit score plummeting XXXX points. I was devestated and all over an account thats not mine. Something has to be done, this is suppose to be about fair and accurate credit reporting. It was only showing on one bureau so I immediately disputed the collection account with that Bureau and filed an FTC Report, now I looking for additional help to get this corrected and resolved as fast as possible. As this has already been damaging enough.

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 2025-02-23 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: TX

Complaint narrative:
I Check my credit regularly and this account appears out of nowhere on my credit profile. Im certain I've never heard of nor had any knowledge of this creditor, with a balance over {$14000.00} sending my credit score plummeting XXXX points. I was devestated and all over an account thats not mine. Something has to be done, this is suppose to be about fair and accurate credit reporting. It was only showing on one bureau so I immediately disputed the collection account with that Bureau and filed an FTC Report, now I looking for additional help to get this corrected and resolved as fast as possible. As this has already been damaging enough.

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 2025-02-23 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: GA

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

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 2025-02-23 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:
I am writing to delete the following information in my file, the items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. These remarks have been detrimental to my life and credit health.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attempted to get my equifax credit report from XXXX and I was not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried for the last three years to correct inaccurate information on my credit report. I had an excellent credit score and an ideal credit report until covid happened. Ive tried to correct the inaccurate information several times. Both with the original companies and the credit reporting agencies with no avail. This has made financial hard times even harder. It has kept me from being able to consolidate any debt I did have. When our rental was sold and we needed to move it made it look like I wasnt responsible. Made it to where I cant get approved for anything. At this time. They are re reporting charge off every month on accts and keep doing this for over 24 months on several accts. Total failure to properly investigate and failure to correct inaccurate information. These need to be completely deleted from my credit report this is obvious willful negligence on their part to allow this. I feel they should compensate me for the violations they continued to put on my credit report. To avoid more distress and having to actually sue a lawyer will want more. Just delete and pay for the obvious damage of being will ful negligent by leaving obvious inaccuracies month after month. Failure to to due independent re investigation after XXXX XXXX obviously failed and XXXX XXXX didnt catch it. I re disputed and called several times for each act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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 have tried for the last three years to correct inaccurate information on my credit report. I had an excellent credit score and an ideal credit report until covid happened. Ive tried to correct the inaccurate information several times. Both with the original companies and the credit reporting agencies with no avail. This has made financial hard times even harder. It has kept me from being able to consolidate any debt I did have. When our rental was sold and we needed to move it made it look like I wasnt responsible. Made it to where I cant get approved for anything. At this time. They are re reporting charge off every month on accts and keep doing this for over 24 months on several accts. Total failure to properly investigate and failure to correct inaccurate information. These need to be completely deleted from my credit report this is obvious willful negligence on their part to allow this. I feel they should compensate me for the violations they continued to put on my credit report. To avoid more distress and having to actually sue a lawyer will want more. Just delete and pay for the obvious damage of being will ful negligent by leaving obvious inaccuracies month after month. Failure to to due independent re investigation after XXXX XXXX obviously failed and XXXX XXXX didnt catch it. I re disputed and called several times for each act

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 2025-02-23 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Md XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Immediate Deletion Request XXXX Account # XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the inaccurate and outdated reporting of a debt from XXXX XXXX XXXX on my credit report. The account in question ( # XXXX ) reflects an alleged balance of {$3600.00} and originates from XXXX. 
This Account Must Be Deleted Immediately 1. Time-Barred Reporting Violation ( FCRA 15 U.S.C. 1681c ( a ) ( 4 ) ) o The Fair Credit Reporting Act ( FCRA ) strictly prohibits reporting negative accounts beyond seven years from the date of first delinquency. This account, which originated in XXXX, is approaching or may have already exceeded the reporting limit. 
o If this debt is beyond the legal reporting period, you are in violation of federal law by continuing to report it. Immediate removal is required.

2. Verification Failure ( FCRA 15 U.S.C. 1681i ( a ) ) o I demand that Equifax fully investigate this account and provide documented evidence that this debt is accurate, verifiable, and legally reportable. 
o If Equifax can not produce signed agreements, payment history, and evidence that XXXX has legal standing to collect, this account must be deleted immediately. 
XXXX. Potential Statute of Limitations Issue o Depending on the state where this alleged debt originated, the statute of limitations for collection may have already expired, making this debt legally uncollectible. Reporting a time-barred debt misleads creditors and damages my financial standing, which is grounds for regulatory complaints and legal action. 
Demand for Resolution Delete the XXXX account # XXXX from my credit report immediately. 
Provide a detailed response in writing within 30 days as required by the FCRA. 
If Equifax continues to report this unverified and potentially outdated debt, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
This letter serves as legal notice of my dispute. Failure to comply will result in further action, including potential legal claims under FCRA violations ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
I expect immediate deletion of this account and a confirmation letter verifying the correction. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation