vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Cell phone XXXX This written notification is to inform XXXX of the unacceptable business practices that I have encountered when I became a customer for the first time ever on XXXX XXXX XXXX

When communicating with the individual from XXXX, I was informed that I was eligible to get the cell phones I received for free, being that I was a new customer. My account was established and I waited for the cell phones to be delivered. 

I went to the XXXX store in XXXX, Ca, on XXXX XXXX XXXX to request that staff assist me with setting up my new cell phones. During this process, I requested to transfer my current paid off cell phone and XXXX watch from my parents account. This process took some time and the staff had to communicate with XXXX as there were some issues XXXX staff had encountered. The staff also contacted my parent about releasing and transferring my cell and watch numbers. XXXX staff asked my parent to also call, due to the XXXX staff member encountering problems. 

Apparently during this process, XXXX staff decided to create another XXXX account in my name to get my new account set up. During this process, I had no idea what XXXX staff were doing, nor was I aware they were creating another account. If I would have known this, I would have stated NO. I did not request to have another account be set up. This practice is unacceptable. 

I went to the XXXX store expecting to get expertise assistance for setting up my new phones on my new account and come to find out 30 days later, I was sent to collections by XXXX which has now ruined by credit by sending one of the accounts XXXX staff created to a collection company by the name of TSI.

I have communicated with TSI directly about this issue and their response is that I need to pay the {$1800.00} in full. 

What kind of unscrupulous business practices is XXXX doing? This is an egregious act by XXXX and its staff to take advantage of people who are on limited income. 

I am contacting CFPB about this matter, as I have also contacted XXXX, and all I am being told is to contact TSI. 

XXXX is not taking ownership for the errors made by the XXXX staff that have negatively impacted me. 

XXXX XXXX must take ownership for their staff who decided to create two separate accounts and the fact that they have caused me undue stress, major negative impact on my credit reports and XXXX is not willing to address the internal issues within XXXX. 

I am asking for XXXX to correct this issue, by removing the collection account XXXX sent to TSI, reinstate the original offer provided to me by XXXX of getting the cell phones for free by establishing a new account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The XXXX XXXX XXXX account was removed from my XXXX credit report. Please remove from my XXXX account and TransUnion account. Attached is the proof from 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
A debt of XXXX was added to my account XXXX XXXX by Transworld Systems XXXX That I have no knowledge of, I contacted the company to verify and no one got back to me. I looked through my dispute history and realized that this is the same account I disputed back in XXXX that was removed and now they have added it back under a different company! Sent no letter of debt or anything! I tried to dispute this account 4 times already and each time I got denied. 

A second debt of {$690.00} from XXXX XXXX They are calling me at XXXX, calling me all day even after I answered and told them that it is not my debt and could be a result of identity theft since my social and id was lost/stolen. I have disputed this debt numerous times. And when it goes away, they find a way to pay it back! Ive sent numerous comments and complaints. They wont budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law.

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 
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 I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations. 
Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.

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 2025-01-30 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: GA

Complaint narrative:
I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law.

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 
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 XXXXXX/XX/XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations. 
Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX closed my account then proceeded to to a hard inquiry on me then open up a new account without my consent then closed it because I wasn't useing it its showing negative on my credit report I want it deleted off of my credit report

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Block, Inc.
State: CO

Complaint narrative:
XXXX and XXXX keeps taking out money from my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My card and ID were stolen from my vehicle on XX/XX/year>. I reported my stolen card to PNC on XX/XX/year>. On XX/XX/year>, the people who stole my card were able to get my bank account numbers from the PNC XXXX XXXX teller and made an unauthorized withdrawal of {$1100.00}. The people who stole my card were able to use my debit card as ID on XX/XX/year>, which had been reported stolen on XX/XX/year>, to get access to my checking account and my savings account, taking money out of my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-30 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account name : XXXX XXXX  Account number : XXXX DEPTEDXXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have ben trying to log into my account with Experian for over a week, I called three different customer service numbers they have listed online and it's impossible to get a hold of someone to actually help me, an actual human person. The digital/robot voice who assists customers disconnects the call when asking for an agent. I try to reset my password through their online website but it's been impossible to do so being that Experian has an old phone number registered that I know longer have access too. I previously disputed this phone number to be removed from my credit report and changed it on my account to my new phone number but they have failed to update that number. It's frustrating dealing with Experian and even more insane that I have not gotten a response to the email I sent their customer service department asking to reset my password so I can re-gain access to my online account and review my credit report. Please help me CFPB, I would humbly appreciate it. I just want to obtain access to my reports and my experian account online. 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 2025-01-30 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:
THIS FALSE AND INNACURATE REPORTING AND FAILURE BY EQUIFAX AND XXXX TO PROPERLY INVESTIGATE MY CREDIT REPORT DISPUTES AND TO REMOVE THE FALSE REPORTS FORM XXXX XXXXXXXX XXXX AND XXXX  HAS CAUSED ME FINANCIAL HARDSHIPS. These repeated denials have had a significant impact on my financial stability and opportunities, making it difficult for me to access necessary credit and improve my financial situation. I have been denied an apartment on 3 occasions, credit on multiple occasions due to the lack of properly investigations into what I asked them to investigate, false reporting and inaccuracies on my credit reports, in XX/XX/XXXX : Denied a credit card application from XXXX ( Equifax ), Denied a personal loan by 2 Financial institutions due to ( XXXX ) XXXX XXXX : Denied a car loan by XXXX XXXX XXXX ( Equifax ), in XX/XX/XXXX : Denied a mortgage pre-approval by a Mortgage Company ( XXXX ). In XX/XX/XXXX : Denied a credit line by XXXX XXXX XXXX ( Equifax )., XXXX : Denied a home loan by XXXX XXXX  ( XXXX ), in XX/XX/XXXX I was Denied a small business loan, XXXX XXXX ( XXXX ) XXXX : Denied an apartment lease application by a XXXX XXXX ( Equifax ). XX/XX/XXXX : Denied a retail store credit card by XXXX XXXX ( XXXX ). 

I decided to try to figure out my credit and noticed several inaccuracies on my credit reports from Equifax and XXXX, which I believe are negatively affecting my credit score. I contacted both bureaus to dispute these inaccuracies, requesting a thorough investigation and correction of the erroneous items. Despite providing all necessary documentation to support my claims, the bureaus did not properly investigate my complaint. The inaccurate information remains on my credit reports, causing ongoing harm to my financial well-being. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

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 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.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app account was hacked and transactions were made using my banking information however all of my contact information was changed by the hacker causing me not to receive any notifications that transactions were being made, I attempted to call and email the customer service line to receive no response and no correction, I did include dates of which these transactions were not authorized by me, I was denied the claim ; however cash app did retrieve funds back outside of the dates notated and closed my account, leaving me to have to pay double for the valid transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding 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 regarding my lost funds are impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protected consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation