vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX '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 non-monetary relief
Consumer complaint received 2025-02-24 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:
ATTN : EXPERIAN TRANSUNION EQUIFXXXX ACCORDANCE TO TITLE IS USC 6801 ab1234 PROTECTION OF Non Public INFORMATION I DIDNT GIV WRITTEN CONSENT TO HAVE THIS FRAUD ALLEGED UNAUTHORIZED ALLEGED ACCOUNT TO BE FURNISH ON MY CONSUMER REPORTS ALSO USC 1681Ga1b23Bbc4S6cde7 9 8 10 1112 DISCLOSURES TO CONSUMERS ALSO USC 6802 USC 6803 USC 1692C. USC 1692G USC 1681E ( B ) THE ALLEGED ACCOUNT READS : DEBT COLLECTOR XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS FRAUD THIS DROPPED MY SCORE XXXX POINTS PLEASE REMOVE THIS FRAUD ALLEGED ACCT FROM MY CONSUMER REPORTS THIS IS A CLEAR VIOLATION OF NE LAW AND IMPROPER USE OF MY IDENTITY AND ( GAAP ) you HAVE THE RESPONSIBILTY TO REPORT ACCURATE INFORMATION THE XXXX XXXX XXXX XXXX ALSO IVE NEVER RECEIVED A CERTIFIED MAIL FROM YOUR COMPANY TELLING ME THAT you WILL FURNISH THE ALLEGED DEBT ON MY CONSUMER REPORT you GUYS ARE ALL BOUT MONEY AND VIOLATING 18 USC 1961-1968 ALSO IM WILLING TO SUE AND Reporting YOU TO THE CFPB DELETE IMMEDIATELY Thief!

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-02-24 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: IL

Complaint narrative:
I am formally disputing the fraudulent and inaccurate accounts that continue to appear on my credit report. I have repeatedly requested that your agency conduct a fair and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), yet you have deliberately failed to do so. Your refusal to remove these fraudulent accounts, despite clear evidence of inaccuracies, is not only a violation of my consumer rights but also a knowing and willful act of fraud on your part. 

I have already taken the necessary steps to report these fraudulent accounts to the **Federal Trade Commission ( FTC ) ** and have filed an official complaint documenting your continued failure to investigate and correct these errors. Your agencys refusal to remove these fraudulent accounts while simultaneously profiting from data furnishers constitutes a blatant abuse of power and a direct violation of federal law. 


XXXX. **FCRA Violation Unauthorized Furnishing of Information ( 1681b ) ** - The companies and credit bureaus have reported and shared my consumer information without my explicit consent or permissible purpose.

2. **FCRA Violation Failure to Maintain Accuracy ( 1681e ( b ) ) ** - The credit reporting agencies failed to follow reasonable procedures to ensure maximum possible accuracy, as they have included accounts that are not mine.

3. **FCRA Violation Failure to Investigate Disputed Information ( 1681i ) ** - If these errors are not promptly investigated and corrected, it will constitute a violation of my rights under this provision.

4. **FDCPA Violation Attempting to Collect a Debt Not Owed ( 1692e ) ** - If any of these unauthorized accounts are being pursued for collection, debt collectors may be violating laws against using false, deceptive, or misleading representations in connection with the collection of a debt.

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 2025-02-24 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: NC

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
I asked them where is the document that says you have to wait XXXX weeks after you pay them to stop the money order when the document when it was well past XXXX  XXXX  to wait to put a stop payment on it, so XXXX XXXX was past, and I should have only had XXXX XXXX to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing the denial of a Claim by XXXX XXXX and Bank Of America. Someone has stolen my credit card information and purchased XXXX XXXX XXXX XXXX XXXX The price of the XXXX tickets was XXXX $ and they made the purchase on XX/XX/year>. I have a number of issues with the reasoning of being denied. First is the Billing Name they provide is XXXX XXXX XXXX, my full legal name is XXXX XXXX XXXX. Secondly they say that because the name of the email they associated the purchase with has my correct first and last name that is mine. The email they made the claim to is XXXX and after looking up this email it was deactived due to inactivity. XXXX does not deactivate accounts until 12 months of inactivity. How could the tickets be claimed or verified from an email that does not exist. Third, Bank of America allowed a charge to go through despite my credit limit being XXXX $ and at the time i was already using at least XXXX $ of my credit. Fourth, I have not and have never been to XXXX at anytime where the event was to be held. Fifth, I am not sure why it took so long for Bank of America to process this claim as I had brought it to there attention not even an hour into the money being spent as it was still being processed. Finally the IP address they claimed to be in close proximity with me was to a XXXX XXXX  that anyone with a XXXX could use in order to put themselves in close proximity to myself. Thank you for taking the time and I hope we can resolve this quickly.

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 monetary relief
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 non-monetary relief
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-02-24 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX # XXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on Experian. ok payments XXXX through XXXX for Equifax & Ok payments for Transunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my 1st dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on Experian reports XXXX N/A Transunion Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Delete for inaccuracy because the payment history reflects last payment XXXX on Experian. Equifax reports it charged off 60 days late. Transunion reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. Experian is reporting it as a collection past due as of XXXX. Equifax has it reporting as {$0.00} payment history. Transunion has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aqua Finance, Inc.
State: WA

Complaint narrative:
I received a letter and heck from the FTC about a lawsuit from aquafinance regarding some misleading information about their loans, I still have my loan pending with them, and my question is do I still have to pay off the loan? Can I remove the debt from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Gugliemo and Associates has repeatedly sent process servers to our door despite me trying to work with them for an amount we can afford. They refused to settle on anything reasonable ( only offered to knock off a couple hundred for a lump sum I also explained I was paying off other creditors and that did not matter to them ). I obtained an attorney who was not able to get through to them so I hired another attorney who on several occasions sent them a letter of representation and they kept saying they " never received it '' and then this week we get notified they are taking XXXX dollars a paycheck which is completely unmanageable and they knew we had other things to pay. My attorney called them again and again they claimed they " never got anything '' so he had to stay on the phone with them and hold them accountable. I believe they intentionally ignored these letters and at no point were we aware they were pursuing a garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I am a victim of XXXX XXXX, and the information listed below on my credit report is a direct result of that XXXX  In accordance with my rights under Section 605C of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of the following erroneous information from my credit report : Addresses 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As mandated by Section 605C of the FCRA, please block this information from my credit report within four business days. I also request written confirmation of the actions taken regarding the removal of these items. 
Thank you for your prompt 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 2025-02-24 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: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year>2024, while on vacation with my family, I attended a timeshare presentation by XXXX XXXX that was advertised as lasting only 90 minutes. However, my family and I were held for over five hours and subjected to high-pressure sales tactics. Despite repeatedly declining their offer, the sales representatives continued to bring out different people to convince me to purchase. 

I was traveling with XXXX children, who became restless and upset due to the extended and stressful situation. In an attempt to finally leave, I stated that I did not have my physical credit card with me. Instead of allowing me to go, the sales representatives insisted that a picture of my card would be sufficient, which pressured me into making the purchase against my wishes. 

After the transaction of {$1900.00} was processed, I discovered that I never received the promised services or access. When attempting to log in, I received an " Access Denied '' message, confirming that I had paid for something that I could not even use. 

I have two adult witnesses who were present for the entire experience and can confirm the coercive tactics, misrepresentation, and unethical behavior of the sales team. I am seeking a full refund of {$1900.00}, as this transaction was made under duress, and the promised services were never provided. 

I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-24 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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