vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion has repeatedly decreased my score numerous times. Each time I dispute a item that says it's 7 years olXXXX. Each time I report them to the attorney generals office. My score magically drops with NO changes. This is a consistent issue with this company. My score just jumped to XXXX for acredit card being paid off and all of a sudden after a dispute was submitted and completed by score drops XXXX points with no changes. They never actually investigate the disputes I submit. They never removed inaccurate information. And after this complaint I'm sure my score with be tampered with again. They should not be allowed to tamper with my score because there's a credit system made up by man that I unfortunately have to use in this world system. This business is consistently trying to hinder my score from raising. The first complaint of me not being able to access my credit score to the AG in Arizona, Transunion dropped my score XXXX points for NOTHING. No changes, no new debt, no new inquiries, no changes at all. Just dropped my score. And I highly doubt this is legal to do because companies have to report fair and accurate information so that would include the business reporting the information as well. This company need to be investigated by the FBI. They have names and information that don't match any of my information as well. Addresses I've never used. Disputing them does not do anything.

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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please see attached 
FORMAL CFPB COMPLAINT AGAINST WELLS FARGO BANK, N.A.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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 INSTRUCTION.

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 2025-01-24 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : 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 2025-01-24 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt reported under the above account number with your agency. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including detailed documentation verifying its accuracy.

I believe there are compliance issues regarding this account. Specifically : 1. Proof that your agency is authorized to collect this debt.

2. A full itemized breakdown of the debt, including principal, interest, fees, and other charges. 
XXXX. Proof that the statute of limitations for collecting this debt has not expired. 
XXXX. Copies of the original signed agreement or contract associated with this debt. 

Under the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you can not substantiate the validity of this debt in compliance with the law, I request that you immediately remove this item from my credit report and cease all collection activities related to it. 

I also request that all future communications regarding this matter be made in writing only. You are not authorized to contact me by phone. 

Please note that failure to respond to this dispute and provide sufficient validation will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the appropriate state authorities. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: NJ

Complaint narrative:
im filing a complaint against Equifax for failing to investigate my disputes regarding inaccuracies in my reports despite my submissions. they respond within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act. Accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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: CashRepublic Holdings, Inc.
State: MS

Complaint narrative:
Ive been complaining for years to the bureaus and the creditor this wasnt my account and how its hurting me and my ability to obtain credit to better my livelihood! I asked for proof copies of signatures that I signed and nothing!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute accounts and inquiries reflected on my consumer credit report, as referenced below, which I believe are the result of a data breach or fraudulent activity. I request verifiable proof, including my signature or electronic signature, to confirm the validity of these actions.

This letter is being sent directly by me, not a third party, and I kindly ask for your thorough attention. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, they breach Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information stemming from a data breach or fraud, as well as Section 604 [ 15 U.S.C. 1681b ], which defines the permissible purposes of consumer reports. 

I have already contacted the companies involved and confirmed that these actions were undertaken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and appear to result from a data breach or unauthorized reporting of my information by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I have roughly {$40000.00} in debt with credit cards and loans due to being un-employed for the past 9 months. Freedom Debt Relief advsed me to stop paying my creditors and that I was approved for {$60000.00} to wipe out my debt. It turns they don't wipe out the debt. The negotiate on your behalf, in which most of my key creditors XXXX XXXX, XXXX XXXX do not negotiate. I have had legal filings and the my debt amoount remained the same even with the payments that have been made to Freedom Debt Relief.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried for over the past year to have my Equifax reports updated and I have got nowhere. They have been reporting wrong information I have called them numerous times and they have not corrected anything on their end. Due to my name address and phone # not begin updated I haven't been able to provide housing for me and my kids it has caused so much tension and have caused me to become homeless. There are reporting old, outdated information for me. I have also disputed numerous of account, and they have not investigated I have disputed the same information with my XXXX and XXXX, and both have done their due diligence, however Equifax has tarnished my reputation, and it has caused me so many issues. I need this to be investigated more and to why XXXX hasn't don't what I have asked of them. This has gone on for at least 2 years so imagine for 2 yrs do not begin able to provide housing for me and my kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Money was accidently transfered to the wrong account. The bank sent it back but Venmo will not put it back in my account

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I sent a letter to the company explaining that I was a victim of XXXX XXXX in 2024, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. The response I received was simply a " no. '' How can they hold someone liable for debt they were forced into due to domestic abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

Complaint narrative:
I am writing to formally express my concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that has exposed significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. 

The CFPBs findings highlight that Zelle has not only failed 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. I urge you to address these issues and implement stronger protections for users. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: KS

Complaint narrative:
I closed the surge XXXX account in XXXX of XXXX  at my own choice. I am currently on what is called their hardship program which I pay {$XXXX} per month. I have made every payment as agreed although surge XXXX continues to report that I am XXXX  days late and that the account is open when it is closed. At XXXX point they did remove the late payment when they saw it was done in error although I believe now there is a malicious entity that is working there in the back office that is maliciously continually reporting a late payment and now they have reported my account as open.

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: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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: CA

Complaint narrative:
I am writing to formally dispute accounts and inquiries reflected on my consumer credit report, as referenced below, which I believe are the result of a data breach or fraudulent activity. I request verifiable proof, including my signature or electronic signature, to confirm the validity of these actions. This letter is being sent directly by me, not a third party, and I kindly ask for your thorough attention. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, they breach Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the blocking of information
stemming from a data breach or fraud, as well as Section 604 [ 15 U.S.C. 1681b ], which defines the permissible purposes of consumer reports.

I have already contacted the companies involved and confirmed that these actions were undertaken without proper validation or original proof from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and appear to result from a data breach or unauthorized reporting of my information by creditors or third-party data furnishers. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX  - showing on ( Equifax and XXXX ) with bal of {$XXXX} XXXX  XXXX - showing on ( Equifax, XXXX, XXXX ) with a bal of {$XXXX} XXXX XXXX XXXX - showing on ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} XXXXXXXX XXXX XXXX - showing on ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} XXXX - ( Experian ) with a bal of {$XXXX} ; opened XXXX XXXX - ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} ; opened XXXX XXXX Card - ( XXXX  and XXXX ) with a bal of {$XXXX} XXXX  XXXX - ( XXXX, Equifax, and XXXX ) with a bal of {$XXXX} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the FCRA, I am entitled to a reasonable and thorough investigation of my dispute, and I believe this standard was not met I have disputed a couple of accounts in XXXX and XXXX and was not given proper investigation nor follow up

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: NY

Complaint narrative:
Incorrect account information FICO SCORE NEVER UPDATED FROM DELTED ACCOUNTS OR DELTED INFORMATION AS PER 15 U.S.C 1601 AS PER 15 USC 1692c AS PER 15 U.S.C 1602p

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief