vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: VA

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX was held by zelle for no reason, finally gave it back after a full 24 hours then made my actual bank account place a hold. & my funds was all clear & legit still until this day

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Balance : {$0.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
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: United Shore Financial Services, LLC
State: TX

Complaint narrative:
1. Full Accounting Ledger : A complete, itemized, and certified accounting ledger for the loan associated with my property, including all payments, interest, fees, and adjustments applied since the loan 's inception.

2. Insurance Claims Documentation : Evidence of any insurance claims made on the loan or property, including but not limited to : Private Mortgage Insurance ( PMI ) Title insurance Hazard insurance Forced-placed insurance Mortgage pool insurance Documentation of any payouts received by you or any affiliated parties from these insurance policies. 
3. Details of Title Verification : Proof that the title to the property remains free of encumbrances or defects that may impact the terms or enforceability of the loan.

4. Loan Guarantee Claims : Evidence of any claims submitted to government agencies ( e.g., FHA, VA ) or entities such as Fannie Mae or XXXX XXXX to recoup losses related to the loan. 
5. Legal Basis for Loan Modification : A copy of the original loan agreement, including any clauses that pertain to loan modifications, and the legal basis for proposing a modification without prior consultation or agreement.

6. Accord and Satisfaction : Acknowledgment of the payment tendered and cashed on XX/XX/year> that included the conditional endorsement, By acknowledgment and endorsement of this draft the payee acknowledges full and final settlement of all sums owed to the payee by the payor on account XXXX XXXXXXXX. This check was given after a silver settlement was accepted from UWM without objection on XX/XX/year>. 
Proof of compliance with Uniform Commercial Code ( UCC ) guidelines regarding conditional payments and any actions taken to contest or decline the settlement offer within the prescribed timeframe. 
7. Proof of No Double Recovery : Certification that you have not received compensation through insurance or other means that would satisfy the outstanding loan balance or reduce the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I personally contacted Coinbase by phone, and we completed the ID verification process together. They sent me an email with a link to file a police report, along with the necessary documents, including several fake emails that appeared to be from Coinbase. 

The unauthorized transactions began on XX/XX/year>. I had a significant amount of XXXX in my account, which was hacked and transferred through multiple unauthorized transactions. I also contacted my bank, which provided documents showing that these transactions were made using my home XXXX XXXX, even though I did not authorize them. Im not sure how this could have happened, but after doing some research online, I found that similar incidents have affected many others. 

In addition to losing my XXXX, approximately {$3000.00} was also withdrawn from my account since my cards were linked to it. Im currently at a standstill and unsure of how to proceed from here.

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 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:
Dear CFPB, I am writing to urgently follow up on my previous complaint regarding XXXX  failure to provide proof of account validation and their subsequent update of inaccurate information on my credit report. Despite my formal request for verification, XXXX has not furnished the necessary documentation, instead merely indicating that the disputed accounts were updated or validated without substantive evidence via report XXXX XXXX 

Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX  actions appear to contravene the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct reasonable investigations into consumer disputes and provide consumers with the results, including the method of verification. Specifically, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that, upon completion of a reinvestigation, the consumer reporting agency must provide a notice that includes a description of the procedure used to determine the accuracy and completeness of the information. XXXX failure to provide this information hinders my ability to assess the validity of the data on my credit report. 

Recent Legal Precedent : Notably, on XX/XX/2025, the CFPB filed a lawsuit against XXXX for similar violations, alleging that the company failed to properly conduct reinvestigations of disputed information and neglected to delete inaccurate, incomplete, or unverified information from consumer credit files. The CFPBs complaint highlights that XXXX  inadequate handling of consumer disputes is a systemic issue that undermines the accuracy of credit reporting. 


Request for Immediate Action : In light of these developments, I respectfully request the CFPB to : XXXX. Investigate XXXX Non-Compliance : Examine XXXX  failure to provide the required proof of validation and their practice of updating disputed information without proper verification.

2. Enforce Corrective Measures : Mandate that XXXX supply the specific documentation used to validate the disputed accounts or, if unable to do so, remove the inaccurate information from my credit report. 

XXXX. Prevent Future Violations : Implement oversight to ensure XXXX adheres to FCRA requirements, thereby protecting consumers from similar issues moving forward. 

The integrity of credit reporting is crucial for consumers financial well-being. XXXX disregard for FCRA obligations not only affects individual consumers like myself but also undermines the broader financial systems reliability. I urge the CFPB to take decisive action to address and rectify these violations. 

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

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
was recently informed of negative information reported by XXXX XXXXXXXX XXXX XXXX included in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a XXXX in XX/XX/XXXX. 
I am unaware of ever having a XXXX from this XXXX XXXX XXXX XXXX. 
Please validate this information with XXXX XXXXXXXX XXXX XXXX and provide me with copies of any documentation associated with this " XXXX '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: PA

Complaint narrative:
We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXXXX/XX/XXXXThe Department of Education has already found significant evidence of misconduct by these schools. Specifically, XX/XX/XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

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:
I am writing in regards to 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 2025-01-22 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IA

Complaint narrative:
I opened a secured credit card with Discover beginning of XXXX with a credit limit of {$1000.00}. In XXXX I requested a credit increase to {$2000.00} and was denied. Now, my account has been sold to a third party who is claiming I owe over {$2300.00} on the card. Over 50 % of the original limit on said card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IA

Complaint narrative:
I am currently in the XXXX program that is being challenged in Federal court, and as result of that challenge my loans are in forbearance, and NOT subject to interest accrual per the federal courts orders. MOHELA is continuing to charge interest on my subsidized and unsubsidized loans, and increasing my balance by adding that daily compounded interest to them. 

My loans are not supposed to be accruing interest and MOHELA is servicing them incorrectly.

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