vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This is a resubmission of my original complaint regarding Zelle, prompted by your dismissive and inadequate response, which reflects a concerning disregard for legitimate consumer grievances. Your claim of insufficient facts not only fails to address the core of my complaint but also echoes the systemic issues currently at the heart of litigation against Zelle. 

As detailed in the CFPBs lawsuit filed on XX/XX/year> ( XXXX XXXX. XXXX ), Zelle has repeatedly failed to implement sufficient fraud prevention measures and has routinely denied legitimate consumer claims without proper investigation. The complaint cites over {$870.00} XXXX in documented fraud losses and highlights violations of both the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ). 

Your response appears to mirror the exact behavior outlined in the lawsuit : the automatic dismissal of claims without reasonable inquiry. Under the EFTA ( 15 U.S.C. 1693f ), financial institutions are legally obligated to conduct a timely and reasonable investigation of reported errors. The law does not allow for perfunctory rejections based on vague assertions of insufficient information, especially when the consumer has provided a detailed account.

I am demanding a proper and thorough investigation into my claim in compliance with federal law. A failure to do so may result in a further complaint being filed with the Consumer Financial Protection Bureau and other relevant authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THIS ITEM IS NOT MINE, AND I REQUEST ITS REMOVAL FROM MY CREDIT REPORT DUE TO INACCURACY. SEEING THESE FRAUDULENT BANKRUPTCY RECORDS IS CAUSING ME SIGNIFICANT DISTRESS. I URGE YOU TO TAKE IMMEDIATE ACTION TO PERMANENTLY REMOVE THEM FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 XXXXXXXX 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 2025-04-11 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: PA

Complaint narrative:
This XXXX XXXX XXXX XXXX account was opened fraudulently and I am filing a formal identity theft report pursuant to FCRA section 605b. 

I am uploading supporting documents, along with an official identity theft report filed with the Federal Trade Commission, to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ] Re : Dispute of Personal Information Dear [ TransUnion, Experian, XXXX ], I am writing to dispute certain information on my credit report. After reviewing the report, I have identified discrepancies related to my personal data. I request that you investigate and correct these inaccuracies promptly.

The disputed information is as follows : 1. [ wrong address ] : 2. Additional Inaccuracies ( XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) I kindly request that you take the following actions : 1. Investigate the Disputed Items : Verify the accuracy of the information with the relevant data sources.

Provide me with evidence supporting the validity of the reported data. 
2. Correct the Errors : If the information is indeed inaccurate, promptly update my credit report to reflect the correct details.

3. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the corrections made.

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond within 30 days of receiving this dispute letter.

Enclosed, please find copies of relevant documents supporting my claim ( if applicable ). I appreciate your attention to this matter and expect a timely resolution. 
Thank you for your cooperation. 
Sincerely, [ XXXX XXXX ] Remember to send this letter via certified mail with a return receipt to ensure proper documentation. Keep copies of all correspondence for your records.

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I filed XXXX XXXX bankruptcy in XXXX, and my USAA auto loan for a XXXX XXXX XXXX was included and discharged in full. Despite this, USAA is still listed as lienholder on the vehicle title and refuses to release the lien. 

On XX/XX/XXXX, I sent a certified demand letter to USAA requesting they remove themselves as lienholder. They received it on XX/XX/XXXX. The letter gave them 10 business days to respond and release the lien. The only response I received was a voicemail on XX/XX/XXXX ( the 10th business day ) from someone claiming to represent the CEOs office, stating that an advocate will be reviewing [ my ] concerns. No follow-up or action has been taken since.

A California UCC-1 search confirmed that USAA has no recorded lien at the state level. There is no legal basis for USAA to retain a lien on this vehicle, as the debt was lawfully discharged and they no longer have any secured interest. 

Additionally, I reviewed my XXXX credit report, and this auto loan is not listed at all not under open accounts, closed accounts, or adverse accounts. This confirms that USAA is no longer reporting the loan in any capacity, further supporting that they have no continuing claim or secured interest in the vehicle.

Their inaction is blocking my ability to transfer or sell the vehicle and may constitute a violation of the bankruptcy discharge injunction ( 11 U.S.C. 524 ).

I am requesting the CFPB require USAA to immediately release the lien and remove themselves from the title.

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 2025-04-11 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX - I placed an online order with XXXX XXXXSynchrony Bank to purchase an electric range and a range hood, totaling {$750.00} XXXX - emails from XXXX cancelling my order and confirming full refund of {$750.00} XXXX - Synchrony Bank posted two unauthorized transactions of {$350.00} + $ XXXX XXXX - Dispute claim XXXX initiated with a copy of the online orders and cancellation. 
XXXX - Dispute was marked as completed on the Synchrony Bank website - no details or explanation given XXXX - XXXX new dispute, XXXX, was initiated for the same issue. 
XXXX The dispute was marked as completed on the Synchrony Bank website again - no details or explanation were given. 
XXXX I received a letter from Synchrony Bank stating that I had requested to cancel the dispute. 
XXXX I notified Synchrony Bank via certified mail requesting evidence of their allegations and evidence of the charges imputed on XX/XX/year>. 
XXXX The bank sent a letter requesting more information. 
XXXX I responded the letter. 
XXXX The bank erroneously posted XXXX, not XXXX credit Balance Adjustment of {$750.00}, totaling {$150000.00}. I ended up with a positive credit of {$750.00} XXXX The bank posted a debit balance adjustment of {$750.00} XXXX. I received the bank letter 's approval of my fraud claim the next day. 
XXXX The bank made XXXX debit balance adjustments of XXXX + XXXX = XXXX ( making me owing the disputed debt again ) In XXXX, I called the bank and explained the situation again. No one seems to understand the case history. 
XXXX - I opened another dispute claim for the same issue. 
XXXX - Dispute was marked as completed on the Synchrony Bank website - no details or explanation given. The bank has not given me a XXXX refund nor shows any documentation that proves that any other purchases were made on my credit card. XXXX XXXX says that the problem is with the Bank and that the information they could provide me they already have done, which are the other cancellations.

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 2025-04-11 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-11 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : Account number XXXX Date Opened XX/XX/XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
I am afraid for my life. I keep getting calls about being thrown into jail and I am a mother just trying to make it paycheck to paycheck. I dont know this company that keeps calling me but they stated they are going to pick me up and take me away from my kids about a old debt I had years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-11 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-04-11 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: FL

Complaint narrative:
Credit Attorney Note : Issuance of 1099-C By Creditors As many of you know, I'm a credit attorney. That means I address and advise on credit reporting, debt and debt collection issues.

1. If a 1099-C is issued, take a look at Line / Box 6, and see if Code G is marked. If so, please keep reading further.

2. If Code G was issued, then in most cases, the creditor should report a balance of {$0.00} on your credit reports. They don't have to remove the account, but the balance should be marked to {$0.00}.

3. Within 30 days of recieving a 1099-C, you should check your credit reports, and see that the balance is {$0.00}.

4. If not, you want to dispute this with each credit agency.

I have a CODE G and my balance should be reflecting a XXXX. If you report anything else it is in violation of my rights

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 2025-04-11 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: FL

Complaint narrative:
Credit Attorney Note : Issuance of 1099-C By Creditors As many of you know, I'm a credit attorney. That means I address and advise on credit reporting, debt and debt collection issues.

1. If a 1099-C is issued, take a look at Line / Box 6, and see if Code G is marked. If so, please keep reading further.

2. If Code G was issued, then in most cases, the creditor should report a balance of {$0.00} on your credit reports. They don't have to remove the account, but the balance should be marked to {$0.00}.

3. Within 30 days of recieving a 1099-C, you should check your credit reports, and see that the balance is {$0.00}.

4. If not, you want to dispute this with each credit agency.

I have a CODE G and my balance should be reflecting a XXXX. If you report anything else it is in violation of my rights

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 2025-04-11 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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