vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
I am writing to formally dispute the unauthorized furnishing and reporting of several accounts on my credit report. Under 15 U.S.C. 1681d of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692cof the Fair Debt Collection Practices Act ( FDCPA ), I exercise my legal rights as a consumer to challenge and rectify this matter. 



I have never authorized the furnishing or reporting of 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 XXXX XXXX XXXX Under 15 U.S.C. 1681d, consumer reporting agencies must ensure the accuracy of the information provided and obtain lawful authorization before reporting any consumer account information. Additionally, 15 U.S.C. 1692c prohibits debt collectors from reporting or communicating unauthorized account information.

I respectfully request that your agency : 1. Conduct a thorough investigation into the reporting of these accounts.

2. Require the furnishers of these accounts to provide evidence of my authorization.

3. Remove these accounts from my credit report if no valid authorization can be produced.

Please provide written confirmation of your investigation results and any actions taken to correct my credit file.

Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-02-11 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 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 : XXXX.Confirmation of corrections made to the disputed items. 
XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
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 2025-02-11 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: CA

Complaint narrative:
I was shocked and frustrated to discover an unauthorized inquiry on my credit report today. I always monitor my report, and this is the XXXX  time Ive seen something like this happen. I even refreshed my browser multiple times, but the inquiry was still there. This needs to be resolved immediately, and I demand a thorough review of my submitted documents to ensure that I wont have to deal with this issue ever again.

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 2025-02-11 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: OH

Complaint narrative:
I have tried several times to get verification from both experian and the creditor to verify this debt. I have received nothing. I have tried disputing it several times and experian always completes it as verified hut I can not get any verification. Also the creditor is stating it is for emergency XXXX XXXX, so experian needs to remove it anyways since medical debt is no longer allowed to be placed on 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
1.Cash App used my private credit card to make advancement and credit request through the Federal Reserve window to open demand deposit account on my behalf without my proper power of attorney, 2. Cash App used my private information to open trade on the secondary market without my express written consent and hid the profit in offshore accounts committing money laundering.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Despite multiple attempts to remove inaccurate information on my consumer report that are a direct result of my data being compromised in the XXXX data breach and others by reporting the inaccuracies to Experian, Experian has repeatedly failed to properly investigate the items and continue to use stall tactics citing that the request don't appear to have come from me. The prolonged presence of these items on my report have caused undue hardship and have impacted my quality of life.

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 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Went to make a purchase at Best Buy for work. I asked the associate if I needed to call Citbank Best Buy for Credit Increase. Was told that they would automatically increase credit limit if approved. Made purchase in store. Credit limit was NOT increased. Contacted Citibank- and they said they didn't practice that way. Contacted Best Buy on several occasions and they blame Citibank. Best Buy 's Employee is the one who made the promise that limit would be increased if the charge went through. This was the week of XXXX. Spoke with the store manager a week later after the Citibank bill arrived and they stated that that was their normal practice and in 13 years have never had a problem. Contacted Best Buy customer support and they keep blaming Citi, and Citi blaming Best Buy. Now my minimum payment went from XXXX $ XXXX to XXXX XXXX 

Based on the Best Buy sales associates comments I believe this is predatory lending during the Holiday 's to increase sales.

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 2025-02-11 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 XXXXXX/XX/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 2025-02-11 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: 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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-02-11 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 Zelles handling of disputes, particularly in light of the 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 infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
My account with XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is making duplicate charges to my checking account. These charges randomly pop up days after the original purchase and after the original transaction is posted to my account. These duplicate charges stay pending for more than week. I called bank customer service and they explained it would fall off in 1-3 days. The first duplicate charge was {$77.00} and the latest duplicate charge was {$1800.00}. The original charge of {$1800.00} charge has been posted to my checking account since XX/XX/XXXX. The duplicate charge of {$1800.00} has been pending since XX/XX/XXXX. It is now XX/XX/XXXX and I have contacted the merchant and they have no clue what is going on. Since this is the second time in one month of the seeing duplicate charges happen with Citibank, it is clearly a bank systems error. That is my main checking account and I am unable to pay my bills now and now I am getting late fees.

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 2025-02-11 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: TX

Complaint narrative:
everything is wrong on my credit report i despite a lot of stuff on my credit report and it is still on 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 explanation
Consumer complaint received 2025-02-11 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 the Zelle handling of disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting. Discrepancies my financial Institute in Zelle failed to investigate my claims adequately. They informed me. That recovering loss funds Was impossible tracking these transactions was unfeasible. The the CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
I DO NOT KNOW ANYTHING ABOUT THE ACCOUNT OR THE COMPANY THEY ARE COLLECTING FOR BUT THEY ARE REPORT TO ALL THE CREDIT REPORTING AGENCIES I HAVE ASKED FOR A SIGNED COPY OF THE CONTRACT AND THEY HAVE FAILED TO PROVIDE ME WITH A COPY BECAUSE THEY DO NOT HAVE XXXX SO I HAVE ASKED THAT IT BE REMOVED AND THE REFUSE TO DO SO IT HAS CAUSE MY FAMILY XXXX BE HOMESLESS WITH A SPECIAL NEEDS ADULT CHILD. I AM ASKING THAT IT BE REMOVED ASAP. I THE CONSUMER AM ALSO XXXX. Fair Credit Reporting Act ( FCRA ) that requires credit bureaus to remove fraudulent or inaccurate information is 15 U.S.C. 1681c-2 ( also known as Section 605B ) Under 15 U.S.C. 1681i, you also have the right to dispute any inaccurate or fraudulent items, and credit bureaus must investigate and remove unverifiable information within XXXX  days. IT HAS BEEN MORE THEN XXXX  DAYS.

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 2025-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I received a letter dated XX/XX/year> ( sent on XX/XX/year> ) informing me that my interest rate was being increased to 20 %. The reason given was that I had allegedly not made my mortgage payments. This claim is completely falseI have never missed a mortgage payment, and I am not behind on my payments. 

For over a year, this company has been attempting to change my monthly payment, claiming that I have not been responsible for paying property taxes. However, I have made payment arrangements with XXXX XXXX and XXXX XXXX and have been consistently making payments. Despite this, the lender has unilaterally paid the full amount of the taxes, disregarding my agreements and the payments I have already made. And never inform me about it. this a second year they are doing this action. 

Additionally, they have tried to impose insurance providers on me, even though my home has had an active insurance policy. My originally agreed-upon monthly mortgage payment with the bank I obtained the loan from is {$930.00}, but now this company is arbitrarily demanding {$3100.00}, alleging that I have not paid XXXX. However, per my original loan agreement, XXXX  was not included. 

I have provided all necessary documentation, sent multiple emails, and made weekly phone calls, but I have received no resolution. I can not afford to pay the arbitrary amount they are demanding, nor do I accept the interest rate increase they are imposing. They are violating my rights by forcing me to accept terms that were not originally agreed upon, failing to honor the contract. 

I request an immediate investigation into these unfair practices and a resolution that respects the original terms of my mortgage agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation