vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 regarding zelles handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I wanted to let you know I spoke to my point of contact XXXX XXXX yesterday morning and this morning. Yesterday morning I advised him we had hired a broker to sell our property, he did advise us there is no pending foreclosure sale date, however listing our home for sale would not stop a foreclosure sale. Which according to new California Law enacted this XX/XX/year>, that is incorrect. XXXX XXXXXXXX, XXXX. Mortgages : foreclosure. 
Existing law imposes various requirements to be satisfied before exercising a power of sale under a mortgage or deed of trust, including recording a notice of default, providing a mortgagor or trustor a copy of the recorded notice of default, providing notice of the time and place scheduled for the public auction sale of the real property and other notices related to the sale, determining the fees and expenses that may be paid from the sale, determining who may conduct the sale and act in the sale as an auctioneer for the trustee, determining the time and place where the auction sale may occur, and specifying how bids may be made and accepted at the auction sale.After speaking to our attorney, he advised to try to modify the loan since there is substantial equity in excess of XXXX. And current interest rates would make it impossible for us to purchase another home. There is no sale date and we have a full package submitted. and they are being no help with halting a sale or a modification. I now have a letter that says they have a fill package, but I always get the wrong information over the phone. Our house was over XXXX in equity. We are trying to work something out with them. to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that I can no longer overlook, as they are having a profoundly negative impact on my life and credit score. These inaccuracies are obstructing my ability to achieve financial freedom and stability, which is deeply disheartening.

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 2025-01-22 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: CA

Complaint narrative:
I have attempted to work with both this body as well as the reporting agencies and complained about their " processes and investigations ''. Since then, this body has filed a complaint against them in District Court. I do appreciate you shining a light on the issues with the agencies and exposing the power they have taken to violate consumers ' rights and the limited ability we have to address, trust, and protect ourselves against them. Investigations and properly responding in the timeframe set aside are continually violated but trusted that these investigations are completed or rubber stamped with the typical responses are fraudulent actions. There have also been so many breaches in consumer data from reporting agencies and places we trust to hold our data, of which I have been affected. Spam calls, texts, emails, and all communications are effectively a result of data being sold or a breach in company files. This does no good for us as consumers looking to improve in this era while on the other side, our data is more important and provide a valuable service to those looking to take advantage of us. It's unfair and I ask that you continue to protect us and hold these reporting agencies more accountable in the processing and holding of our data.

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 2025-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have attempted to work with both this body as well as the reporting agencies and complained about their " processes and investigations ''. Since then, this body has filed a complaint against them in District Court. I do appreciate you shining a light on the issues with the agencies and exposing the power they have taken to violate consumers ' rights and the limited ability we have to address, trust, and protect ourselves against them. Investigations and properly responding in the timeframe set aside are continually violated but trusted that these investigations are completed or rubber stamped with the typical responses are fraudulent actions. There have also been so many breaches in consumer data from reporting agencies and places we trust to hold our data, of which I have been affected. Spam calls, texts, emails, and all communications are effectively a result of data being sold or a breach in company files. This does no good for us as consumers looking to improve in this era while on the other side, our data is more important and provide a valuable service to those looking to take advantage of us. It's unfair and I ask that you continue to protect us and hold these reporting agencies more accountable in the processing and holding of our data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report immediately. I am unaware of their origins and did not authorize their creation. Under USC 1681g, I formally request their removal within 15 days. The necessary documents are attached for your reference.

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 2025-01-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX, I am contacting you with regards to the above reference application for a personal loan from your bank. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reasons ; In your letter, you listed several non-decisive factors as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 US code 1611. Particularly, your letter stated : serious delinquency and public record or collection filed time since delinquency is too recent or unknown ratio of balance to limit on bank revolving or other revolving accounts too high too many accounts with balances. 
( VIOLATIONS-15USC1692j, 15USC1692a ( 3 ), 15USC1681 ( n ), 15USC1692b ( 2 ) Not only is this information inaccurate, it has no bearing on the only legally valid basis for you to consider in making your credit approval decision, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my credit worthiness in applying for this credit. 
OTHER VIOLATIONS ARE LISTED BELOW : 15USC1692a ( 1 ) 15USC1692e ( 3 )

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 2025-01-22 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC ( LVNV ) 2 Accounts ; A. {$17000.00} B. {$26000.00} Pursuant to 15 US code 1681e compliance procedures Section B accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy. The information concerning the individual about whom the report relates 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions Furthermore, section 15 of the USC states that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.15 US code 1681e compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I sent zelle and it was wrong person and called the bank and couldn't get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
i went to us bank one day to check on the account and my grandmother had because she said her statements had stopped, she had been called about it and still nothing on so in that event when the banker came back out, she proceeded to ask me can she reach me at this telephone number that didn't belong to either of us after that first discovery it was brought to our attention it was over a XXXX XXXX dollars missing from the accounts several over the phone transfers amongst other things. Plus, there was an online banking setup with this number and an email we also don't know anything about to register a token to a device this is insane, and we were never notified they even turned our statements off this just a small overview

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 2025-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Foreign currency and information comprised can't trust using the bank as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for a credit fraud removal and they still have not done it

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 2025-01-22 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:
Ive came this far to be express my concerns regarding Zelle handling the dispute that were brung up by the CFPB lawsuit highlighting the issues with the platform Zelle. Ive used Zelle numerous amounts of time as well as reported discrepancies, my financial institution and Zelle themselves failed to investigate let along resolve the issue. I was informed that the recovery of lost funds was not something they would put time into. After further investigation I realized that the CFPB indicated that Zelle has not only failed to protect consumers yet also allowed repeat offenders to exploit the system right under the specified Zelle platform nose leaving us with unresolved issue me and vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
Upon reviewing my credit report this morning, I was surprised to see inaccurate accounts listed, and I have no clue how they appeared. I check my report regularly, but this time, unexpected errors were present. I even refreshed my browser in case it was a simple glitch, but the inaccuracies did not disappear. Because of this, I am requesting a thorough examination of the documents I have sent to prevent future concerns.

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 2025-01-22 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: OH

Complaint narrative:
XXXX has been incorrectly reporting information in my credit report Ive have sent disputes for things to be removed and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have no knowledge of this debt, I never received any notices nor have I signed any contracts with this company. I have no knowledge regarding any debts or obligations made or owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
When I first got services in my name in XXXX, I was notified of an old bill from XXXX at a previous address that I am unfamiliar with. When I informed the gas company that someone fraudulently started service in my name while I was a XXXX I was told to get a police report and submit a claim for identity theft. When I submitted the requested information ( Notarized theft affidavit, police report, high school transcript for proof of where I lived at the time the fraudulent account was opened ), I heard nothing else from People 's gas and this debt was sold to a collection company. This listing still remains on my credit report even though I sent all required documents proving that it was not mine. I was not even of legal age to open a utility account in my name at the time that this account was open. I have sent multiple debt validation requests to the creditor and the collection agency, and I have not received any response. This is causing major hardships, since the reporting agency fails to investigate this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I ordered a few items from Walmart totaling {$44.00}, or thereabouts. My process is to unlock my card, make my purchase, and lock my card once I receive my order number. I do this for security reasons. On the same day, I was able to pickup the first half of my order from Walmart, which was pens and notebooks. The second part of my order would be shipped by XX/XX/XXXX, which was a XXXX. On XX/XX/XXXX, the merchant, Walmart, submitted its debit for the first part of the transaction. Although my card was lock, the requested processed and Walmart received {$14.00}. However, on XXXX, when Walmart submitted its debit for the second part of the traction total {$29.00}, my card was locked and Citi declined the request. 

This has been happening since XXXX and I have contacted Citi about it. Today, the agents laughed and were dismissive not trying to help. I believe that Im being religiously persecuted by Citi agents who I understand are monitoring my purchases in an illegal manner.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
The following " transfers to debit card '' were made on The XXXX XXXX 's PayPal account and these transfers were not authorized. I first reached out to PayPal on XX/XX/year> when the first withdrawal occurred ( see all unauthorized transfers attached ). I spoke with PayPal again on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. PayPal states : We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

You also previously appealed this case and it was denied. The appealed case ID is XXXX XXXX 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

Unfortunately, this is not the case. I DID NOT authorize these transfers ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax 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 a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$950.00}, eastern account System Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}. Inquiries : XXXXXXXX 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief