vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Formal Demand for Immediate Blocking of Fraudulent Accounts and Inquiries Under the FCRA To Whom It May Concern, Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I am formally demanding the immediate blocking and removal of fraudulent accounts and inquiries that TransUnion has failed to suppress despite my submission of a police report and a Federal Trade Commission ( FTC ) Identity Theft Report. Your continued reporting of this fraudulent information constitutes a direct violation of the FCRA. 

The following fraudulent accounts and inquiries remain on my credit file despite my prior disputes : XXXX. XXXX XXXX Credit Card ending in XXXX Unauthorized account XXXX. XXXX XXXX ending in XXXX Unauthorized account XXXX. XXXX Account Unauthorized account XXXX. Unauthorized Hard Inquiries from : XXXX XXXX XXXX XXXX ( XXXX ) As you are aware, under 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block fraudulent information upon receipt of a police report and an FTC Identity Theft Report. Your failure to comply with this federal mandate is a willful violation of my consumer rights. 

I hereby demand that TransUnion : Immediately block and permanently remove the above-referenced fraudulent accounts and inquiries from my credit file. 
Provide written confirmation that these items have been deleted from my credit report. 
Cease any further reporting or reinsertion of these fraudulent accounts and inquiries. 

Additionally, I am formally filing a complaint with the Federal Trade Commission ( FTC ) regarding TransUnions noncompliance and failure to adhere to the statutory obligations set forth under the Fair Credit Reporting Act ( FCRA ). If this matter is not rectified within 15 days of receipt of this letter, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and pursue all legal remedies available to me, including potential litigation for willful noncompliance under 15 U.S.C. 1681n. 

This letter serves as official notice of my intent to hold TransUnion accountable for its failure to fulfill its legal obligations. Please be advised that any further reporting of these fraudulent accounts or failure to comply with this request may result in legal action. 

I expect your immediate response and full compliance within 15 days of receipt of this letter. Failure to act will result in additional regulatory complaints and legal action as necessary. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a partial payment for materials and labor for basement fire proof work for my building located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. I put my savings to fix this property due to building code violations and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with US bank in the amount of {$3500.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-19 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: FL

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
The late payment in question is reported by [ EQUIIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
FTC # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: GA

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am filing a complaint against Capitol One regarding a debit card dispute for a purchase I made on XX/XX/scrub> 2024. I paid for an item but never received it, and my efforts to resolve this matter have been painful and unsuccessful. Capitol One has failed to resolve the dispute within a reasonable time frame and I have reason to believe they are unfairly delaying my case. Under Regulation E ( Electronic Fund Transfer Act ), which applies to debit card transactions, I have found that they have violated the terms of this Act. 

Here are the key details of my case : Transaction Date : XX/XX/scrub> 2024 Dispute Filed : XX/XX/scrub> 2024 Merchant : XXXX XXXX Amount Paid : {$220.00} Item Description : XXXX  Nature of Dispute : Goods never received Attempts to Resolve : I have contacted Capitol One multiple times via email, phone, and chat, yet they have failed to provide any resolution. I have also contacted the merchant directly over five times, but they have not responded. I have submitted evidence to Capitol One numerous times and have never had them respond to me/communicate other than " We have received your claim ''. 

Despite my efforts, Capitol One has classified my case as " non-regulated '', which is incorrect. Under Regulation E, debit card disputes, including those involving goods not received, must be resolved within 90 days or a provisional credit must be issued during the investigation. Capitol One has not issued a provisional credit and has not resolved the case within the required time frame. 

I request that Capitol One immediately : Issue a provisional credit for the amount of the disputed transaction. 
Complete the investigation and refund the amount of the transaction within the required timeframe. 
Confirm, in writing, that they have acknowledged their violation of Regulation E and will handle the dispute according to the regulations. 
I have been extremely patient, and Capitol Ones repeated delays and failure to properly classify this dispute are unacceptable. 

Please investigate this matter and assist in ensuring that I receive a refund as required by law. If further information is needed, I am happy to provide it. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

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 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery LLC ( XXXX ) responded to my debt validation request on XX/XX/year>, but failed to provide legally required documentation. They only sent a rental ledger and lease agreement, neither of which proves their legal ownership of the debt or their right to collect. Despite their failure to validate, they continue collection attempts, violating FDCPA 809. I request CFPB intervention to force them to provide proper validation or cease collection efforts immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. 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 non-monetary relief
Consumer complaint received 2025-02-19 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: NV

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX XXXX # XXXX - DATE OPENED XXXX/XXXX/2018

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear [ Debt Collector 's Name ], I am writing to formally dispute the legitimacy of the debts associated with the following accounts : 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 and XXXX XXXX XXXX XXXX XXXX. Additionally, I want to clarify that my address is not XXXX XXXX XXXX XXXX, XXXX, IN XXXX, and I believe these accounts may have been incorrectly attributed to me. Under 15 U.S.C. 1692c, I request that all communications regarding these debts cease until verification is provided. I appreciate 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX  # XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX  # XXXX, XXXX XXXX TX XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
XXXX. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my account was frozen due to unknown reasons, when I called the first time right when i received the first email, they told me it was due to security purposes ( Im sure theres record of all my calls to them ).. I kept calling for weeks, a month passed and I called again and they told me they my spouse had made me a large deposit and they were trying to verify this info with the other bank, I spoke to one costumer representative and asked if a 3 way call could be performed with my husband to confirm that. This was a legit transaction, my spouse was not around at that time and could not do the call in that moment but I asked if when he arrived i could call back and do the call, that happened on the next day when I called they told me that could not be done and I just had to keep waiting. I agreed and said that I would wait. A weeks passed and no updates regarding the account, for my surprise, when I called again, asked for answers they told me my account was frozen because my ex employer was trying to get back my last payroll ( which he had no business doing ) and they were trying to revert the money, I already had a case open with my employer but I find it absurd that they were trying to commit fraud and MY BANK was letting them. That was on XXXX, I called, told them everything and they told me to open a police report, I did ( this should have nothing to do with them however when I did, i asked them if I could upload any proof, they told me no that I just have to wait.. weeks passed again, XXXX was almost gone and I called again, they told me my account was pending for closure, and that has been the story ever since. The main points for all of this are : 1 : The quantity of late fees and missed payments that I have had to pay due to my account freezing total more than XXXX. 
2 : The inaccuracy of NOT GIVING ME A CONSISTENT REASON of why my account is frozen is so unprofessional. This can be verified with the multiple calls that im sure they record.

3 : They turning my back to me as costumer and letting my employer commit fraud without even asking. It should violate the clients relationship agreement banks hold.They were the ones processing my payroll, I was long gone when that happened ( more than 2 weeks ) and they still were able to call and try to get my money. 
This has been happening for months, my funds are frozen, im in deeply need of them and I still have no answers on whats happening, I dont have a date of when my account will be closed and lastly, they could be giving away my money with no right. I need please help on this matter, this month turns 4 months since my account status has been the same. I please need help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous accounts appearing on my credit report as maintained by your agency. Since I have been affected by the XXXX and XXXX XXXX Breach I have attached my XXXX Credit Report that clearly has removed the accounts in question due to the data breach.

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 2025-02-19 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: KY

Complaint narrative:
am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : Under the FCRAUnder the FCRA, you are required to : Conduct a proper investigation into my dispute.

Inform me of the results of your investigation in a clear and comprehensible manner.

Provide me with any documentation you rely on if the disputed information is verified as accurate.

Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX timeframe. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Zelle still hasnt supplied a result of the {$5000.00} amount of the Date of XX/XX/year>.

Company response to consumer: Closed with explanation