vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate information on my credit report as a result of identity theft stemming from a data breach. The details of the affected accounts are provided below for your review and immediate action. 

Details of Complaint : I have identified the following items on my credit report that are fraudulent and request their immediate removal : XXXXXX/XX/XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

U.S. Department of Education Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX* Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

Requested Action : Pursuant to section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you : Block the fraudulent information listed above from my credit report.

Notify all furnishers of the fraudulent information promptly.

Supporting Documentation : Enclosed with this complaint, you will find : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the FCRA, which mandates blocking fraudulent information on credit reports resulting from identity theft within four business days and notifying furnishers of the same.

A copy of my ID And SSN card for varication And a bill to verified my address.

I appreciate your prompt attention to this matter and look forward to your reply. Please confirm receipt of this complaint and provide an update on the resolution timeline.

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 2025-01-23 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: NJ

Complaint narrative:
I have accounts currently that are under an address im not associated with.I have been reaching out to the Credit monitor company for info but they dont have any info to give me and when I call they are very rude as if I did something.I am an victim of identity theft which is why the etc report was submitted its a total of 7 accounts im reporting 5 closed accounts and 2 collections all of this was listed on the etc report .They only gave me the first 6 of account number which is why that was all I was able to provide.

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 2025-01-23 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XX/XX/XXXXXXXX {$5800.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXX XX/XX/XXXX XXXX {$2200.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XX/XX/XXXX XXXX {$800.00} XX/XX/XXXX XXXX. XX/XX/XXXX, XXXX XXXX {$290.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$5800.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2500.00} XX/XX/XXXXXX/XX/XXXX XXXX {$2200.00} XX/XX/XXXX XX/XX/XXXXXXXX {$1400.00} XX/XX/XXXX XX/XX/XXXXXXXX {$800.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX {$290.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-01-23 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: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnisher 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 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 2025-01-23 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: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnisher 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 inaction, violates federal law, and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
Concerns About Zelles Handling of Payment Disputes Dear CFPB, I am writing to express my concerns about the lack of adequate protections and dispute resolution processes for Zelle users. While Zelle is marketed as a safe and convenient payment platform, its current policies leave consumers vulnerable to financial loss in cases of accidental transfers, fraud, or scams. 
In particular, I am troubled by the following issues : 1. Irreversible Transactions : Zelle payments are processed immediately, with no option to cancel or dispute the transaction after it has been senteven in cases where the payment was made in error or due to deceptive practices.

2. Lack of Purchase Protection : Unlike other payment platforms, Zelle does not offer protections for consumers making payments to individuals or businesses, leaving users exposed to fraud with limited recourse.

3. Insufficient Bank Support : While Zelle advises users to contact their banks for assistance, many banks lack clear or effective processes for handling Zelle-related disputes. This leaves consumers with little to no resolution for their issues.

4. Fraud Vulnerabilities : Scammers frequently exploit Zelles instantaneous transfer system, preying on consumers who mistakenly believe their transactions are protected.

As Zelle continues to grow in popularity, I believe it is essential for stronger consumer protections to be implemented. These could include : Introducing a cancellation window for pending payments.

Offering a secure resolution process for accidental or fraudulent transactions.

Increasing transparency about risks and improving fraud prevention measures.

I urge the CFPB to investigate Zelles current policies and advocate for enhanced protections to ensure consumers are not left vulnerable when using this payment platform.

Thank you for your attention to this matter. I look forward to any updates or actions regarding these concerns. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Checking my credit report today, I found an unauthorized inquiry that I can not explain. I always monitor my report, but this unexpected issue has left me confused and concerned. I refreshed my browser several times, hoping it would disappear, but it did not. I am beyond frustrated with this situation and request an immediate review of my submitted documents to put this matter to rest once and for all.

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 2025-01-23 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: MO

Complaint narrative:
Filed claim for accounts inaccurately reported/closed. 

Agency XXXX : {$510.00} XXXX XXXX XXXX XXXX XXXX University XXXX MO UNIVERSITY XXXX MI

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want these inquiries removed I did not authorize these companies to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
On my XXXX  report there is a false address, that seems due to identity theft. As well as the online account is going to an incorrect number as well. Seems hacked. 
I have disputed a XXXX XXXX  collections on my transunion and I have not seen a result. I had to resubmit.

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 2025-01-23 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:
On my experian report there is a false address, that seems due to identity theft. As well as the online account is going to an incorrect number as well. Seems hacked. 
I have disputed a XXXX XXXX  collections on my XXXX and I have not seen a result. I had to resubmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the information in section 1637b was mailed to the consumer no later than 21 days. 

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

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 2025-01-23 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: NY

Complaint narrative:
Experian is reporting inaccurate, incomplete and fraudulent credit information on my personal credit report. The following inquiry doesnt belong to me : 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 explanation
Consumer complaint received 2025-01-24 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: MA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-23 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: MA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MS

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio Recov Assoc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand Dear Sir/Madam, I am writing to formally demand that you immediately cease and desist all collection efforts related to the account referenced below : Account Number XXXX Despite my request for clarification, I believe your actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and may be causing unwarranted distress. Specifically, sending letters to an address I no longer reside in, causing me to receive this information up to XXXX year late I am hereby notifying you that I do not owe the stated debt, or if I do, I dispute the amount or validity of this debt. Under the FDCPA, I am entitled to request validation of the debt, and I ask that you immediately cease all communication with me until you provide proof of this debt, as well as any relevant documentation supporting your claim. Please consider this letter my official request for debt verification. 

If you continue to pursue collection efforts without providing adequate validation or continue any harassing actions, I will consider taking legal action to protect my rights and seek all available remedies, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

This letter serves as a final warning to cease all attempts at contact, and I expect your immediate compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief