vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
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 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
My personal information have been compromised in a breach on several occasions and I have not authorized this company to sell or transfer any of my information. Please delete any information from XXXXXXXX XXXX XXXX It is reporting on my credit report inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: IL

Complaint narrative:
My information was stealing in the data system like the rest of us Americans

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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:
Due to the recent CFPB enforcement action filed against EQUIFAX on XX/XX/year>, EQUIFAX did not conduct an investigation as they are required By the FCRA Law.

I will explicitly say that I did not accept the findings of the furnishers or CRA 's Who did not provide thorough results of their investigation, at the time of my disputing a XXXX XXXX hard inquiry, that was inaccurately reported due to fraud and identity theft. I requested that EQUIFAX provide to me in exact detail the results of their sham investigation via USPS mail and Not through their online portal. 

EQUIFAX illegally parked the unauthorized, inaccurate XXXX XXXX hard inquiry on my credit report, which compromised my personal information, This CFPB complaint has Been filed to request monetary relief pursuant to FCRA $ 605B ( 15 U.S.C. $ 1681c-2 ) that the EQUIFAX Credit reporting agency , did not block information appearing on my consumer credit report within 4 business days of receiving my complaint. This inaccurate unauthorized fraudulent account wells fargo hard inquiry was previously disputed, & EQUIFAX did not delete this until just recently. Their willful not compliance and other fcra violations cause me great harm and damage and is the Result of fraud and identity theft. 
1. ) Identity Theft. 
XXXX XXXX XXXX Inquiry Number : no account # was reported.

I am seeking damages for monetary relief from Equifax.

Failure to respond satisfactorily will result in legal action against your Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
On XX/XX/2025, I transfer {$9000.00} from XXXX XXXX XXXXXXXX web site to XXXX XXXX to pay off my home loan. About 2 weeks later I contacted XXXX XXXX why my loan is not pay yet. When I transfer the money I received a confirmation number from XXXX XXXX  XXXX web and the money was also taken out of my XXXX  XXXX XXXX account. XXXX XXXX  inform me they did not receive the payment. I talked with XXXX XXXX XXXXXXXX and was provided with information the payment was transferred to XXXX XXXX. And XXXX XXXX insisted that didn't receive my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax and TransUnion for FCRA Violations To Whom It May Concern, I am filing a formal complaint against Equifax and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and Consumer Data Industry Association ( CDIA ) XXXX XXXX reporting standards. Despite my disputes and multiple requests for correction, both credit bureaus continue to report inaccurate, unverifiable, and misleading negative information, which is negatively impacting my credit profile. 

Details of the Complaint XXXX. XXXX XXXX  XXXX ( XXXX ) Incorrect Derogatory Status ( Equifax ) Issue : The account has been paid in full, but Equifax continues to report it as " Derogatory '' rather than Paid as Agreed or removing it entirely. 
FCRA Violation : 15 U.S.C. 1681e ( b ) Failure to maintain accurate reporting.

15 U.S.C. 1681i ( a ) Failure to investigate and correct inaccurate data. 
XXXX XXXX Violation Paid charge-offs must not be reported in a misleading manner. 
Requested Action : I request that Equifax correct this account to Paid as Agreed or remove it entirely if they can not verify the accuracy of their reporting. 
XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX Outdated Collection Charge-Off ( TransUnion ) Issue XXXX The account was paid off on XX/XX/XXXX, yet TransUnion continues to report it as a Collection Charge-Off. 
FCRA Violation : 15 U.S.C. 1681c ( a ) Negative accounts can not be reported more than 7 years from the date of last activity.

15 U.S.C. 1681i Failure to investigate and remove outdated records.

Requested Action : I request early exclusion or immediate removal of this account from my TransUnion credit report. 
Attempts to Resolve the Issue On [ Date ], I submitted a dispute letter to both credit bureaus via certified mail. 
They failed to verify the accuracy of the disputed items within the required XXXXday period.

The reporting errors remain unresolved despite my repeated attempts to correct them.

Resolution Sought I request the CFPB to take the following actions : Investigate Equifax and TransUnion for FCRA & XXXX XXXX violations. 
Order the immediate correction or removal of the disputed accounts. 
Impose penalties on the bureaus if they continue to violate federal regulations. 
Ensure compliance with FCRA and XXXX XXXX reporting guidelines. 
Supporting Documents Copies of my dispute letters were sent to Equifax and TransUnion.

Copies of my credit report with the disputed items highlighted.

Proof of account resolution ( if applicable ).

USPS certified mail receipts confirming my previous dispute submissions.

I appreciate the CFPBs prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 CFPBs 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 2025-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the inclusion of an eviction record on my credit report. This entry is inaccurate and constitutes a violation of my rights under federal consumer protection laws. 
The eviction record in question stems from a debt that was fully paid when it was sold by the original apartment company to a third-party debt collector. Consequently, there is no valid debt associated with this eviction, and it should not have been reported on my credit file. Moreover, the reporting of this eviction and the associated actions violate the following legal protections under federal law : 1. Fair Credit Reporting Act ( FCRA ) Violations : * Accuracy of Information ( 1681e ( b ) ) : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Reporting this eviction despite the debt being fully paid is inaccurate and misleading.

* Investigation of Disputes ( 1681i ) : I am formally requesting an investigation into this disputed entry, as it is inaccurate. 
2. Fair Debt Collection Practices Act ( FDCPA ) Violations : * Unfair Practices ( 1692f ) : Debt collectors, and by extension credit bureaus, can not attempt to collect or report debts that are not valid or have been paid.

3. Consumer Data Privacy Violations : * Unauthorized Use of Personal Data : By purchasing my information without my consent and using it to report inaccurate information on my credit report, the debt collector may be in violation of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: BANK OZK
State: GA

Complaint narrative:
I'm responding due to a Fraud case on my credit report. I've enclosed a letter from the FEDERAL GOVERNMENT stating I'm a fraud victim. I never requested information from XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-02-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

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  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
Im attaching an FTC report here containing XXXX fraudulent accounts. Note I have also selected the option to report XXXX fraudulent inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
Im attaching an FTC report here containing XXXX fraudulent accounts. Note I have also selected the option to report XXXX fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I CALLED XXXXXXXX XXXX  SPOKE TO URIAN IN THE FRAUD DEPT IS A SUPERVISOR CAN NOT HELP ME AS I DO NOT HAVE THE ACCT NUMBER AND THE DEBIT CARD NUMBER EXPLAINED TO HIM I NEVER HAD THIS ACCOUNT ITS FRAUD HE CAN TELL THAT BUT I WOULD BE REQ TO FLY TO A LOCAL BRANCH TO GET THIS RESOLVED I CAN NOT AFFORD TO DO SO!!! PLEASE ASSIST ME AS THIS IS FRAUD!!

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