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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: OR

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 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: CA

Complaint narrative:
I lost my job and applied for a forbearance plan on XX/XX/XXXX. The forbearance was not approved until XX/XX/XXXX... Loancare sent a letter dated XX/XX/XXXX asking me to contact them regarding missed mortgage payments. Additionally, Loancare reported me as delinquent to the credit bureaus, AFTER they allegedly approved me for the forbearance. And, I'm receiving calls and letters regarding the delinquent account. What is the point of a forbearance if if the company doesn't abide by their own agreement and my credit ends up ruined anyway?

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: LA

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 seven 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a Capital One credit card. I've tried to raise my credit limit several times, but they keep telling me : " We were unable to obtain your most recent monthly payment data from the credit reporting agency '' I contacted the credit reporting bureaus and they said it's Capital One 's fault. Capital One tells me it's the credit reporting bureau 's fault and I can't get anywhere.

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: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I was involved in a XXXX  scam with a woman who scammed me into paying to recover her XXXX  and XXXX  inheritance which we would have shipped to the XXXX from XXXX.

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 status incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/year> I talked with XXXX managers on the executive team for One Main Financial or XXXX XXXX that should be fired immediately they are rude and arrogant and make mistakes in their emails and aren't thorough to even call themselves managers they lie constantly while wasting my day the managers that I feel should be fired is XXXX phone number XXXX XXXX XXXX XXXX XXXX  she's the lead manager in the department so she can forward this request of firing to her boss. 

And the other boss that needs firing is XXXX XXXX she outright told me I have no right to say my feeling or my view of things who tells anyone that every XXXX in XXXX has the right to free speech XXXX. XXXX was not thorough in her ( XXXX ) emails sent which was very frustrating. 

XXXX XXXX contact number is XXXX XXXX XXXX XXXX XXXX Ext XXXX is how she wrote it in the emails sent to me. See her typos and this is supposed to be a manager. I think it's Ext XXXX Here 's where I need the help of the CFPB. I had the dispute with these XXXX employees on the phone just over me calling asking for their Credit Bureau Department to put the comment on my Credit Report to Close by the request of the consumer. Both XXXX and XXXX XXXX just went completely off on me saying NO One Main or XXXX XXXX XXXX  can't put that remark in it just ( stays ) blank and Closed is all that shows on your credit report with no remarks whether the consumer closed the account or One Main closed the account. 

How can that be when my account was over the limit less than 15 days ago in the comment section on my credit report it read suspended due to over limit. So I feel they are lying because they added that comment to keep my account up to date. 

Something isn't right and need to be investigated because I talked to another lady named XXXX in the same department XXXX credit bureau department she was the one who had XXXX XXXX call me back XXXX said another customer called asking the same question I did about comments a report submitted by their department. CFPB please investigate this company it's horrible and they do what they want to but care nothing about the consumer wasting our time and terrible, terrible, customer service. 

Anyone reading this stay away from One Main Financial XXXX XXXX products meaning loans or credit cards and XXXX XXXX  they have unfair business practices and the employees that work for them are not trained properly XXXX and the executive team they all lie and stand behind bad behavior and unethical business practices.

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: OH

Complaint narrative:
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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I submited letters XXXX certified mail and dispute information. Asking for 1099 on all closed accounts, delete unverified information after doing reverification.I must also bring to your attention that Experian is currently facing a lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which alleges systemic mishandling of credit report disputes and failure to ensure the accuracy of information. This ongoing legal matter underscores the gravity of Experian 's responsibility to maintain accurate consumer records. 
In light of these circumstances, I respectfully request the following : An immediate investigation into the inaccuracies in my credit report. 
The correction or removal of the incorrect information from my file. 
Written confirmation of the changes made to my report. 
Compensation for the damages incurred due to the erroneous information.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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
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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter to formally request your assistance in resolving an issue with Experian regarding their failure to address my dispute concerning the inaccurate and incomplete reporting of a XXXX XXXX account. 

On XX/XX/year>, I submitted a formal dispute ( Reference Number : XXXX ) to Experian regarding this account, but it has now been over a month, and I have not received any response. This delay is highly concerning, especially in light of the recent CFPB lawsuit against Experian, which alleges that the company engaged in sham investigations and failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). These allegations align closely with my experience, further deepening my concerns. 

The account in question, XXXX XXXX, was charged off with a balance of {$6400.00} written off and was closed abruptly without prior notice, despite my history of on-time payments. Following its closure, late payments were inaccurately reported, and I have yet to receive an IRS Form 1099-C for the charged-off amount, raising questions about the proper handling and reporting of this account. 

Despite providing detailed information and pointing out discrepancies, Experian continues to report incorrect information. Here are the key issues I have encountered : 1. Failure to Ensure Accurate Reporting ( FCRA Section 609 ( a ) ( 1 ) ) : Experian has failed to ensure the accuracy and completeness of my credit file, as required by law.

2. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ) : Experians response of verified as accurate was cursory and did not address the specific issues I raised or provide supporting documentation. 
XXXX. Negligence in Handling Furnisher Information ( FCRA Section 623 ( a ) ( 1 ) ) : Experian has not ensured that information provided by XXXX XXXX is accurate and remains incomplete. 
4. Failure to Disclose Consumer Rights ( FCRA Section 609 ( c ) ) : Experian has not provided a clear explanation of my rights during the dispute process or access to supporting documentation.

5. Potential Reporting of Outdated or Unverified Information ( FCRA Section 605 ( a ) ) : The continued reporting of a charged-off account without clarity regarding the issuance of a 1099-C raises concerns about the accuracy and timeliness of this information.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Transunion 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. Transunions actions may also have contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts of which I have had problems with : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
it has come to my attention that my personal information has been exposed in a national data breech after reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 'S for validation of debt however the information has not been provided, due to my information being exposed I have submitted a FTC complaint report the information please find attached copy of NPD Report showing my information being named in the data breech

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently the CFPB fined Equifax 15 Million Dollars for failure to conduct proper investigations of consumer disputes. The CFPB found Equifax ignored consumer documents and evidence submitted with disputes. 

There is a bankruptcy appearing in my Credit report. I disputed this item with Equifax and the Data Furnisher XXXX XXXX. The Data Furnisher, XXXX XXXX agreed, removed the item and provided me with written proof. ( see attached ). To spite written proof from the Data Furnisher, Equifax did not remove the item. I submitted a request for a reinvestigation. I requested evidence ( physically verifiable ) that they verified the information to be accurate and compliant. Equifax verified the information via a third party other than the Original data furnisher and ignored the 100 % verifiable proof from the Data Furnisher that the item was inaccurate and should be removed. This is the exact conduct that led the CFPB to fine Equifax 15 million dollars.

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 status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I started sending in disputes to XXXX, XXXX and Experian in XXXX that the XXXX account for the vehicle was NOT charged off and it is NOT closed. I have been making on time monthly payments all 2021-current. The credit bureaus are still showing the account as closed/ charged off and last payment as well as balance information is NOT up to date. I have proof of all on time payments as well as that the vehicle is almost paid off and still currently open with XXXX XXXX XXXX as of 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Filing a complaint to report inaccuracies on my credit report 15 U.S.C ss 1681i : Failure to conduct a proper reinvestigation after I disputed the inaccurate information. 15 U.S.C ss 1681s-2 : Responsibility of the furnished of information to report accurate data. 15 U.S.C ss 1681e ( b ) : Failure of the credit reporting agency to ensure maximum possible accuracy of the information, which caused significant financial harm and distress. The errors involve incorrect dates and amounts which affect my credit score and financial standing. I request assistance in investigating

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 seven 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 non-monetary relief