vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX 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 2025-02-28 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: MD

Complaint narrative:
XXXX XXXX XXXX, ( XXXX, ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the ones reported These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
You will see that below I have submitted all the information necessary. I had a loan out XXXX years ago for a medical equipment device, and I felt very ill and XXXX. I was unable to repay it. That was XXXX years ago. I went into court, although I was XXXX with a XXXX XXXX on XX/XX/XXXX and, the court papers said that I was a no-show. I then negotiated with XXXX and XXXX later on a year later after being spun around from Absolute resolutions that they were a credit repair service and would a 100 % undoubtedly be able to remove this collection from my credit report and unfortunately they were not yet able after a year they seem to have taken over {$1200.00} {$200.00} per month for XXXX months //from me which couldve been towards the actual principal, nevertheless I go to pay them the agreed amount XXXX in XX/XX/XXXX as you could see in the picture and XXXX on XX/XX/XXXX they are reporting that I am defaulting regardless of payment now this is upsetting even more so that not only am I in collections, but the actual people that are supposed to collect the amounts XXXX XXXX, no longer answer their phones no longer answer their emails and there is no way for me to pay back the law firm and then law firm to pay back a very scrupulous Absolute resolutions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I sent Westlake Financial SVC a 609 debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Wanted to open new account ( CD at 5 % ) Filled out all the paper work which included my SS # DOB etc and then they stated I was not approved. 
Both my husband and myself have credit scores of over XXXX. We do not have revolving credit because we pay our bills off every month. 
It seems to me these people never intended to give us the 5 % they advertised the rate but did not follow through. I was not aware that I have to qualify to take out a CD, this is a first to me. I am upset because they have all my personal info. including social and I do not know what they will do with this information I would like to hear from these people as to their policy of my information and why I can not have the CD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: SC

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 non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
They did not contact me when my deferral was nearing it's end in XXXX and did not put any " dings '' on my credit until XXXX of 2025 when I was " more than 90 days past due '' dropping my credit score XXXX points. All of my other creditors can manage to find my information, phone number, current address, email address, and everything else but they did not try. This is not acceptable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: CA

Complaint narrative:
My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX - XXXX - {$810.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX - {$760.00} XXXX XXXX IN COMPANY - XXXX XXXX {$68.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX - {$68.00} XXXXXXXX XXXX XXXX XXXXK XXXX XXXX A - XXXX XXXX {$570.00} XXXX XXXX XXXX - {$15000.00} XXXXXXXX XXXXXXXX XXXX XXXX - {$1700.00} XXXX XXXX XXXX XXXX - XXXX - {$1000.00}

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 2025-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
Can you guys please remove extended fraud alert or fraud alert from my credit report please been having to jump through hoops so I rather remove immediately thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.
State: OK

Complaint narrative:
I am a U.S. customer of Paxful, and my account was banned due to their decision to block U.S. users. According to Paxfuls policies, I am supposed to be allowed to withdraw my funds, but I have been unable to do so for months due to a restriction in their ID verification system. It wont let me attempt to verify it all. Its a loophole.

Paxful banned my account due to U.S. regulations, but they state I should be able to withdraw my funds.

When I try to withdraw, they require ID verification, but since I am in a blocked jurisdiction, their system prevents me from verifying my identity.

I have contacted Paxful support for months, and they keep telling me they are working on it, but there is no resolution or real response.

Now, Paxful has emailed me stating that if I do not withdraw my funds, they will begin charging a maintenance fee on my balance. 

This is an unfair and deceptive practice. They are deliberately preventing me from accessing my own money while also trying to take my balance through fees. 


Paxful is holding my money hostage, and I need CFPB intervention to stop this predatory practice. This is happening to others users as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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 was reviewing my credit report and noticed that I have late payments on an account that I was never late on. Consumer reporting agencies have taken on a vital role and have the responsibility to have consumer information as accurate as possible. I have never been late on these accounts : XXXX XXXX / account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXX Please investigate and provide proof with statements documenting that these payments were late. If proof can not be provided I request that these payments be updated or the accounts be removed from my credit report. 
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 2025-02-28 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: TX

Complaint narrative:
I have called several times on this matter. I have even put in disputes. Transunion fixes it, then, somehow it shows up again! I've even contacted the original creditor ( SCCFCU/Mirastar ). Who said they don't even report to Transunion or XXXX. That they only report to XXXX... ever. But the contacted Transunion on my behalf regardless after several complaints and fixed it. I was able to see it was corrected the next day. Not, it's showing up AGAIN! The CURRENT payment status is NOT 30 days delinquent. This is an old account. It should have been paid and closed status. No delinquency today! I've even had tickets with Transunion to escalate this matter. At this point, not only am I asking for this to be updated immediately. I would also demand this account ( auto loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX be deleted from my credit report completely for failing to abide by verification regulations and continuing to report false information AFTER the creditor themselves have reached out. STOP reporting false information and claiming you have verified delinquencies.

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 2025-02-28 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: IA

Complaint narrative:
Subject : Rebuttal to CFPB Complaint Response Unauthorized Zelle Transactions XX/XX/XXXX Dear Zelle Support, I am writing in response to your letter dated XX/XX/XXXX regarding my CFPB complaint. While I appreciate your acknowledgment, I would like to provide further clarification and supporting evidence regarding my dispute. 

Issue Details : Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized Zelle transactions were made from my XXXX XXXX XXXX bank account : XX/XX/XXXX : Zelle payment to XXXX XXXX {$1400.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$500.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$900.00} XX/XX/XXXX : Zelle payment to XXXX XXXX {$500.00} XX/XX/XXXX : Zelle payment from XXXX XXXX {$400.00} The payments to XXXX XXXX and XXXX XXXX were not authorized by me, and I did not knowingly send money to this individual. 

Attempts to Resolve the Issue : 1. Contact with XXXX XXXX XXXX ( XX/XX/XXXX ) : I contacted XXXX dispute department on XX/XX/XXXX, to report the unauthorized Zelle transactions. 
I was informed that since Zelle transactions are considered authorized, they could not guarantee a reversal. 
XXXX directed me to contact Zelle Support for further assistance. 
2. Contact with Zelle Support : On XX/XX/XXXX, I reached out to Zelle Support to dispute the unauthorized transactions. 
I was advised that Zelle does not process payments directly and was again referred back to my bank, leaving me without a clear resolution. 

Supporting Evidence : Attached are screenshots of my XXXX account transactions, highlighting the disputed Zelle payments. 
I have included copies of my communication with XXXX and Zelle regarding my attempts to resolve this matter. 

Requested Resolution : I request a full investigation into these transactions and reimbursement for the unauthorized payments. 
If Zelle is unable to issue a refund, I ask for clear guidance on how to escalate this matter further. 

As this matter involves potential fraud, I expect a more thorough review of my case. If I do not receive a satisfactory response, I will escalate my complaint to regulatory agencies and consider additional legal action. 

Please advise on the next steps at your earliest convenience. 

Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Disputed Items ( TransUnion ) : XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX  XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX Account XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX {$0.00}

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 2025-02-28 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


XXXX ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-02-28 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: NC

Complaint narrative:
I am writing to dispute the accuracy and completeness of information contained in my credit report due to being a victim of a data breach. I am requesting the immediate deletion and blocking of the following fraudulent accounts, as they were not opened by me : XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX PERSONAL LOANS - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : $ XXXX & XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX C - Account Number : XXXX - Reported Date : XX/XX/XXXX -Amount : $ XXXX - Account Number : XXXX - Reported Date : XX/XX/XXXX - Amount : {$4600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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