vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: AP

Complaint narrative:
I've contacted XXXX XXXX on XXXX, XX/XX/year>, XX/XX/year> to confirm and inform them my credit report shows my account closed. I was reassured the account is open due too the account under SCRA.

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 2025-01-27 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: MD

Complaint narrative:
These accounts are fraudulent and should be removed from my credit report, as I did not open them and was unaware of their presence. Pursuant to USC 1681g, I request their deletion within 15 days. The required supporting documents are enclosed.

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 2025-01-27 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling and disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. 
Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle had failed to investigate my claims inedaquely informing me that recovery of lost funds was impossible and that tracking these transactions was infeasible The CFPBs finding indicate that Zelle had not only neglected to protect consumers but also allowed repeated offenders to exploit the system the lack of accountability and transperacy is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted disputes to experian and they failed to properly investigate my claims and responded with an answer that was NOT relevant to my disputes.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous of 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 the transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglect to protect consumers, but also allowed offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( Equifax, XXXX, and XXXX ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the three credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a XXXX form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the XXXX. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with Equifax, XXXX, and XXXX, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of all three major credit bureaus ( XXXX, Experian, and XXXX ) to properly address issues related to my credit report, despite my efforts to resolve them. 

Failure to Remove Identity Theft Items : I submitted an Identity Theft Report and provided it to each of the XXXX credit bureaus to have fraudulent accounts removed from my credit report. Unfortunately, none of the bureaus have removed the fraudulent items, and they continue to appear, negatively impacting my credit. I have attached a copy of the Identity Theft Report for your reference and request that these items be removed as required by the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : Additionally, I have noticed several accounts on my credit report marked as " charged off. '' However, I did not receive a XXXX form for these charged-off accounts, which is required under IRS regulations when a debt is forgiven or canceled. I request that the credit bureaus verify the accuracy of these accounts and ensure that they are reported correctly, including the proper handling of the XXXX. 
Both of these issues are causing significant harm to my credit, and I have made multiple attempts to address them directly with XXXX, Experian, and XXXX, but have not received a satisfactory resolution. I am requesting that the CFPB intervene and assist with ensuring that these matters are handled in accordance with federal regulations. 

I appreciate your prompt attention to this matter and request that the credit bureaus be instructed to take the appropriate actions. Should you require any further documentation or information from my side, please do not hesitate to reach out. 

Thank you for your time and assistance.

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 2025-01-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-27 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a dispute to this credit bureau regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to disputes within 30 days, but I have not received any resolution or adequate response. 

I have followed up multiple times, but the disputed items remain on my report, and I have not been notified of any investigation results. This failure to address my concerns violates your obligations under FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to investigate disputes. 
15 U.S.C. 1681i ( a ) ( 6 ) : Notification of results.

The unresolved inaccuracies on my report are harming my credit and causing me significant stress. I request that my dispute be investigated immediately and that I be provided with a written response detailing the results. 

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 explanation
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a dispute to this credit bureau regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to disputes within 30 days, but I have not received any resolution or adequate response. 

I have followed up multiple times, but the disputed items remain on my report, and I have not been notified of any investigation results. This failure to address my concerns violates your obligations under FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to investigate disputes.

15 U.S.C. 1681i ( a ) ( 6 ) : Notification of results.

The unresolved inaccuracies on my report are harming my credit and causing me significant stress. I request that my dispute be investigated immediately and that I be provided with a written response detailing the results. 

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 explanation
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-27 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: NJ

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CASH APP ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA (. Specifically, Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: RI

Complaint narrative:
Starting off XX/XX/year> borrowing {$XXXX} from a limit of {$XXXX} been borrowing till I got to {$XXXX} I have been paying up to {$XXXX} a month all they take off is $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$XXXX} I didnt realize what I signed up for but Im getting burnt big time Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX XXXX Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX  XXXX XXXX Balance : {$XXXX}, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BC SERVICES, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt not owed. The original medical office where services were provided show no debts on my account nor do they recognize the debt collection agency who is contacting me and using my XXXX XXXX XXXX sons personal information. I fear the agency is fraudulent and may attempt to use his identity fraudulently. Further, they are referencing incorrect medical offices and inaccurate medical billing practices.

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 2025-01-27 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was in a car accident on XX/XX/2024. I called chase bank as well as my insurance company to inform them of what happened. since XX/XX/2024 no longer in possession of the vehicle it is in the junk yard. I was told by a representative from chase bank that it was taken out of total loss. Chase bank keeps reporting a missed/late payment on all three credit agencies. I dispute it but it still shows on my credit file. XXXX is refused to pay for the damages because they said I did not have collision insurance but when you finance a vehicle you must have collision insurance so the bank can get paid for the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
On XX/XX/year> Factual Data ( finance ) pulled credit report fraudulently. This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX  injury and defamation of character

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 2025-01-27 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: CA

Complaint narrative:
I currently possess a timeshare that is unfortunately reflecting as a repossession on my credit report. In an attempt to rectify the situation, I reached out to a representative from the timeshare company. They informed me that they are unable to accept any payments towards the timeshare account, which carries a substantial balance of nearly {$XXXX}. This includes around {$XXXX} that is currently past due. 
To complicate matters further, the representative claimed that the account had been canceled, suggesting that it is as if it never existed at all. Consequently, they stated that I do not owe any money.

It was disheartening to learn that there seems to be no one available for me to speak with regarding this issue. I am unable to determine the total amount owed or make payments in an effort to bring the account current. Additionally, there appears to be no avenue for discussing the removal of this negative item from my credit report. They also mentioned that since I supposedly do not owe any money, they are unwilling to provide any form of written confirmation regarding my account status. 
At this juncture, I find myself uncertain about how to proceed or resolve this perplexing situation.

Company response to consumer: Closed with non-monetary relief