vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: FL

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

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 2025-02-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Sail loans violated the Wage Assignment Act of IL. Illinois Voluntary Wage Assignment Act ( XXXX ILCS XXXX ), a creditor must wait at least 20 days after providing the debtor with a notice before contacting the employer to enforce the wage assignment. I received a letter on XX/XX/XXXX that was dated XX/XX/XXXX. I sent a revocation letter certified mailed which was delivered on XX/XX/XXXX. My employer sent me a notice dated XX/XX/XXXX that they would not honor the voluntary wage assignment. They received a letter from SAIL loans on XX/XX/XXXX, 3 days after the revocation notice was received. They contacted my employer less than 20 days as stated by law. The earliest they could potentially contact my employer for a demand would have been XX/XX/XXXX. I have attached proof of letters with the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
They are reporting that in XXXX I do not make payment to my credit and the charges they did automatically to my checking account. I had an accident in my vehicle and reported the accident to the bank and insurer which they were responsible for paying. 
The bank is reported not to make a payment in XXXX and is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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:
Equifax 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 Equifax, 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 Equifax 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 Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I did a Zelle transfer for {$350.00} to my XXXX  XXXX XXXX. My bank XXXX XXXX  through my mobile banking app Zelles {$350.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He received the notification of the Zelle transaction from my bank however, the funds were never deposited in his account from Zelle. We have traveled to my local bank and they said they did the transfer that I requested and its no longer their responsibility. We then went to XXXX  XXXX XXXX and they said Zelle never completed the transaction. We have been trying since XXXX of last year to retrieve these funds and nothing has worked. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, These inaccurate accounts are hurting my ability to obtain credit. 


XXXX XXXX XXXX company {$520.00}

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 2025-02-04 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I filed a complaint here on CFPB and the company stated my account went into collections in XX/XX/XXXX due to missed payments. I have evidence from the IRS that my XXXX income tax refund was garnished by AAFES in the amount of {$3200.00} via an XXXX dated XX/XX/XXXX with a TOP trace number of XXXX, directed to : Army and Air Force Exchange Service XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AAFES has failed to apply these funds correctly to my account, which has effectively caused me to pay the same debt twice. 

XXXX XXXX, a representative for XXXX called to collect the same debt on XX/XX/XXXX ( which should be a copy of the recorded call in your files ). The total negotiated amount of {$3600.00} was said to satisfy both the XXXX XXXX and Take It Home credit cards in full. The agreement was an initial payment of {$200.00} and subsequent payments of {$100.00} directly debited on the last day of the month and the XXXX from my XXXX card ending in XXXX. I have proof that I made payments in the amount of {$3700.00} made to XXXX between XX/XX/XXXX and XX/XX/XXXX, which to my surprise, was to satisfy the same debt. 

Instead of properly crediting the garnished funds and my negotiated payments, interest has continued to accrue on what is clearly a fully satisfied debt. 

Additionally, AAFESs response to a prior Consumer Financial Protection Bureau ( CFPB ) complaint falsely claimed that I did not uphold my arrangements therefore my account was in collections in XX/XX/XXXX. 

Why was there a debt when they already garnished my taxes? Why am I not receiving the info i have been requesting regarding how payment was applied and proof debt was satisfied? The only documentation submitted is a screen print showing interest accruing, but does not show how payments were allocated.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been a long-time PayPal user and have regularly made purchases through my account without issue. Recently, I attempted to sell a jacket on XXXX XXXX, and a buyer agreed to purchase it for {$650.00} via PayPal. I provided my PayPal details, and the buyer successfully sent the payment. 

However, upon checking my PayPal account, I was informed that I could no longer use PayPal without any explanation or prior warning. Due to this unexpected account closure, I immediately notified the buyer, informing him that I would be unable to ship the item as my account had been deactivated by PayPal. 

Following this, the buyer opened a dispute stating that he had not received the item. Despite my inability to ship the item due to PayPal 's actions, PayPal refunded the buyer without giving me an opportunity to respond or provide any explanation. Additionally, I was charged a {$30.00} dispute fee for a dispute that only arose because PayPal had closed my account, preventing me from fulfilling the transaction.

I find this handling of my case to be unfair and financially damaging. PayPals decision to close my account without explanation resulted in both a financial loss and a penalty for circumstances beyond my control. I am requesting a full review of this matter, a reimbursement of the {$30.00} dispute fee, and clarification on why my account was closed without notice or recourse.

I appreciate your time and attention to this issue and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX it was reported a late payment of 30days when I was never late for XXXX XXXX XXXX XXXX. I payed payment over phone an it got reported to experian and the other two bureaus as a late payment. I have never been late on my payments. Ive disputed this 3 times and my issue wasnt solved either time or investigated the correct way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX it was reported a late payment of 30days when I was never late for XXXX XXXX XXXX XXXX. I payed payment over phone an it got reported to experian and the other two bureaus as a late payment. I have never been late on my payments. Ive disputed this 3 times and my issue wasnt solved either time or investigated the correct way.

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 2025-02-04 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I closed my account with Lowe 's XXXX XXXXXXXX on XXXX. I stayed on the phone for over an hour to close the account and was told the account was closed. There was a XXXX balance when I closed the account. In XX/XX/year> I received a bill from them. I advise the company that this account was closed and I didn't have an account. I closed the account again in XXXX. The company is still charging me interest on an account that was closed in XXXX. Please help.

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 2025-02-04 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, These inaccurate accounts are hurting my ability to obtain credit. 


XXXX XXXX XXXX company {$520.00}

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 2025-02-04 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: IL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-04 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-04 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-02-04 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: CA

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 2025-02-04 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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 through banking, 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. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: GA

Complaint narrative:
XXXX incorrectly charged me late fees after issues processing my payment ( at no fault of mine ). {$25.00} was waived but that was it.

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 2025-02-04 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : {$26.00} & XXXX XXXX XXXX XXXX XXXX  : {$460.00}

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