vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.

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 2025-01-15 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 2025-01-15 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 2025-01-14 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: FL

Complaint narrative:
my information was stolen in a data breath. I have filed a FTC complaint refrence number XXXX, 15 U.S.C. 1681 states that i have aright to privacy and that has been violated please help me remove every thing from my credit 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
I contacted the debt collector repeatedly, but each time the call was disconnected. I informed the debt collector that the debt does not belong to me and that I have no knowledge of it. I requested that they send a debt validation letter. Despite this, the debt collector reported the debt to the credit bureaus without verifying it and never provided any information regarding the alleged debt.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
In XX/XX/year> I sent {$8000.00} to an individual. PayPal charged me {$230.00} fee. So the individual that I sent the money to sent the money back to me immediately and cancelled the transfer. PayPal did not deposit the money back to my account and Paypal took the money from my account and charged me another {$8000.00}. The individual that I sent the money to made a statement to PayPal with verification of this but PayPal refused to credit my account the money owed. It took me this long to submit a claim because I didnt know we could submit a claim against them. I still have not received the {$8000.00} that I owe and I have a balance owed for {$8000.00} still on my PayPal account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: GA

Complaint narrative:
I received a CashApp debit card on XX/XX/year> that I did not request. I contacted CashApp to close the fraudulent account. They asked that I send it pictures of the fraudulent card to fully cancel the card. They are currently working with their fraud team to shut down the fraudulent account set up in my name with my identity without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609. 

To Whom It May Concem : I formally request that the following Inaccurate, Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting. Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 - specifically 15 USC section 1681g. I will expect you to complete the verification withing 30 ( thirty ) 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 non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle not having a warning or disclosure before sending money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
This was not a loan it was a lease and never late equifax is reporting as loan incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
The cfpb has recently filed a lawsuit against experience, alleging systemic issues such as failing to forward consumer provided evidence to furnished, accepting unreliable responses a failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items, dispite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or Amend the disputed accounts, As experian inactions violates federal law an my rights as a consumer.

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 2025-01-14 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
There was a hard and soft inquiry conducted on my, XXXX XXXX, credit report on XXXX XXXX XXXXXX/XX/year> from XXXX XXXX was not initiated by me. After speaking with a XXXX XXXX agent, they looked in their system using my social security number to see if I had any products or applications with them and they could not locate any products or applications made fraudulently or by me. They advised me to contact the credit bureaus as they are not sure why this shows up as a soft and hard inquiry on my credit report. I am in the process of mailing all three credit bureaus notification of this and will enclose my driver license and copy of social security card to prove my identity as advised by the XXXX XXXX agent. In my Transunion record, there is a phone number ( XXXX ) XXXX listed and this is not a phone number associated with me. I have disputed this phone number also, as it appears on my credit report. HELP!!!

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 2025-01-14 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: DC

Complaint narrative:
There was a hard and soft inquiry conducted on my, XXXX XXXX, credit report on XXXX XX/XX/year> from XXXX XXXX was not initiated by me. After speaking with a XXXX XXXX agent, they looked in their system using my social security number to see if I had any products or applications with them and they could not locate any products or applications made fraudulently or by me. They advised me to contact the credit bureaus as they are not sure why this shows up as a soft and hard inquiry on my credit report. I am in the process of mailing all three credit bureaus notification of this and will enclose my driver license and copy of social security card to prove my identity as advised by the XXXX XXXX agent. In my XXXX record, there is a phone number ( XXXX ) XXXX listed and this is not a phone number associated with me. I have disputed this phone number also, as it appears on my credit report. HELP!!!

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Sending money to the wrong person on Zelle. I essentially couldnt my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate and Unverified Information on Credit Report - FCRA Section 611 and 609.

To Whom It May Concem : I formally request that the following Inaccurate, Unverified and Incomplete ( Information ) items be immediately investigated. They must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting. Act ( FCRA ), section 611 - specifically 15 USC 1681i ( 5 ) ( A ) Treatment of inaccurate or unverifiable information ( A ) and Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 - specifically 15 USC section 1681g. I will expect you to complete the verification withing 30 ( thirty ) 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 non-monetary relief
Consumer complaint received 2025-01-15 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-15 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: OH

Complaint narrative:
With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to fraud, according to the CFPB 's findings. Consumer safety is seriously threatened by this intolerable lack of transparency and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the CARES Act.

Description of the Situation : Account Details : Lender Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, 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 2025-01-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the CARES Act. 

Description of the Situation : Account Details : Lender Name XXXX XXXX XXXX  Account Number : XXXX Late Payment : XX/XX/XXXXXXXX  Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint against Experian and XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding inaccurate and outdated information on my credit report. 
In XX/XX/scrub>XXXX XXXX I submitted a dispute to Experian regarding inaccurate and outdated information reported by XXXX XXXX XXXX on my credit report. Despite providing sufficient documentation to demonstrate the inaccuracies, Experian failed to : 1. Conduct a reasonable investigation into my dispute, as required under 15 USC 1681i ( 5 ). 
2. Ensure the accuracy of the reported information, violating 15 USC 1681e ( b ). 
3. Verify that XXXX XXXX XXXX properly fulfilled its obligation to investigate disputes, as outlined in 15 USC 1681s-2.

4. Remove outdated or obsolete information in accordance with 15 USC 1681c ( c ). 
This failure to act has significantly impacted my credit standing, limiting my access to credit and financial opportunities. 
Additionally, I have learned about the CFPBs recent lawsuit against Experian for engaging in sham investigations of credit report errors. My experience aligns with the allegations in this lawsuit, as Experian did not properly investigate or correct the inaccuracies in my 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 2025-01-15 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: NC

Complaint narrative:
I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account. Please explain to me how I owe this same alleged debt to two companies. It seems to me as if you are unclear yourself otherwise you wouldn't be reporting these erroneous accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation