vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
I went to purchase glasses and was offered an loan with Acima to pay off the balance. I agreed but was not told about the terms and the additional charges. I saw there was an early pay off date 90 days after the purchase date but it was my understanding this would just reduce my interest fees. After the early payoff date expired, my total lease amount doubled. 
I already paid nearly XXXX of the loan, but now was told I'm responsible for double the amount because the " contract time extended ''. I did not agreed to this. I could have made a large payment and been done by now. When I called customer service the only option provided was either make the payment in full aka remain on the plan OR return the glasses and lose the money I've paid thus far. When I asked to speak to a manager I was left on hold for XXXX mins with no response or call back. I was trapped into this agreement, with only a 90 day buy out period and predator terms of conditions that keep me paying out more money over time. PLUS, the ONLY option is auto pay. ( Never agreed to this. Nor is it indicated on the website anywhere ) And it's every 2 weeks. On days that I'm not paid. So they would automatically deduct the payment, it would fail and then they would add a penalty fee on top that. Acima Leasing is a SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my XXXXXXXX XXXX  and equifax credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
Coinbase XXXX : XXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX New York XXXX XXXX Country : United States of America case number : XXXX XXXX XXXX Unauthorized Transfer fo XXXX and XXXX from Coinbase to unknown address : Tuesday, XX/XX/XXXX, XXXX PM XXXX. XXXX : XXXX : Unauthorized XXXX via XXXX XXXX XXXX XXXX. XXXX XXXX : Unauthorized XXXX  via XXXX XXXX To : XXXX my wallet address : XXXX Recipient Wallet Address : Unauthorized XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I bought a round trip ticket from XXXX on XX/XX/year>. The ticket I bought from XXXX was from XXXX FL ( XXXX ) to XXXX XXXX XXXX, UT ( XXXX ) departing on XX/XX/XXXX and XX/XX/XXXX respectively. 

- I paid a total of {$680.00} for the round trip. 
My " To flight '' went as per the service that was sold to me and the from flight was the problem. 
- On the day of my travel back to XXXX from XXXX, I was not able to check-in using the confirmation number " XXXX '' given by XXXX for XXXX XXXX XXXX. I drove to the XXXX XXXX at airport and checked with them, they said its not a valid confirmation Number and often happens with 3rd party booking. 
- They advised me that the only way out is cancel the current ticket and buy a new one at spot. Which I did, and paid a hefty price, since its same day booking. 
- I checked my credit card statement and did not find XXXX charge on my card but saw XXXX different charges from XXXX XXXX and XXXX. I had NOT AUTHORIZED them to use my credit card, and neither did XXXX ask me if they could pass credit card details to the Airline companies. 
- Informed the Wells Fargo credit card company and disputed the charges. THey did not help me and said this is a fact the XXXX party companies can pass my credit card details to their merchants and I should take this up with Airline companies. 
- But I never interacted with the Airline directly ever, to take up with them. 
- I dispute this charge and will not pay the creditcard company as they should take action on the XXXX and not make me pay charges that I did not authorize. 
- I have highlighted the charges in the attached credit card statement - Also attached proof of purchase from 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 2025-02-10 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: TX

Complaint narrative:
I, XXXX XXXX, am writing on my own as a natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within four business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items do not have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy.

Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I never provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately : Addresses : Employers Collections Inquiries Accounts Charge-Off Late Payment These fraudulent accounts should not appear on my consumer report, as they are the result of identity theft. The companies that reported these items have failed to provide lawful proof of my consent or authorization, making their actions unlawful.

I respectfully demand that you immediately delete these accounts from my credit report and provide written confirmation of their removal. This request is made under the rights granted to me by the Fair Credit Reporting Act and other applicable consumer protection laws. 
Thank you for your prompt attention to this matter. I look forward to your timely 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why it's there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiry remained. This issue is deeply frustrating, and I need it resolved immediately. Please review the documents Ive submitted thoroughly so I can finally stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc.
State: TX

Complaint narrative:
*The prefilled options did not apply to my complaint The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

This breach constitutes a clear violation of FERPA and your obligation to safeguard my personal information. 

Given the severity of this violation and the resulting compromise of my personal and financial data, I formally request the immediate cancellation and full discharge of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
In XXXX we had an account takeover and had to close our checking account, this was on the same day our mortgage payment and many others were due so they were all returned due to the frozen account status. All other creditors processed the requested changes to our auto pay except for Rocket Mortgage, I have had to call them no less than XXXX  times now to attempt to correct their error. The first call was to complain that I couldnt just update the debiting account number on the auto pay, correct they said you have to cancel that auto pay and then call us back tomorrow to start a new XXXX what how inconvenient is that for the consumer to have to drive the simple process to update an auto pay. I called back the next day and got it set up or so I thought, sadly human error led to the bi-weekly auto pay reset incorrectly and from that time on we missed payments in XXXX and XXXX. Yes Rocket emailed however they look exactly like their marketing emails and their outbound dialer either shows a spoofed number from XXXX XXXX XXXX with no name. If they called from an identifiable number that looked legit and said Rocket Mortgage I would have answered the calls. Their voicemails are too long for XXXX XXXX to convert it to a transcript and quite honestly they call often to sell us a new mortgage so thats all I thought they were calling for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was denied employment due to a bankruptcy being reported on my report. Under 1681 ( a ) ( 2 ) consumer can not be reported for employment purposes. 1681 governs access and 1681b ( 2 ) limits circumstances under which a consumer report can be obtained or used. 
Although I know it is public record, upon contacting the courts, it is stated that the courts have no jurisdiction in reporting. There are also accounts that are being reported that are part of the discharge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Zions Debt Holdings
State: MD

Complaint narrative:
In XXXX, XXXX I saw a " collection item '' on my report, but I knew that I did not have any collections. I sent a Certified validation request to Zion 's Debt based on the information listed directly in the credit report. The USPS service sent the letter back " XXXX time exp retn to sender ''. I sent another request in XXXX, XXXX using the same information again from an updated credit report. The USPS service returned the letter " Return to Sender Not Deliverable As Addressed Unable to Forward ''. In XXXX, XXXX I sent a removable request to XXXX based on the obviously erroneous information in the report and fact that I could not obtain a validation from the creditor, in accordance with the FCRA, along with my a copy of my Driver 's License to verify my identity. I have confirmation of delivery, but XXXX never responded. I have since had XXXX loans denied as a direct result. Today, the collection is still on my XXXX report XXXX XXXX and is now showing on my XXXX report XXXX XXXXXXXX as well. Additionally, Zions Debt has never contacted me directly at all.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I noticed on XXXX that the loan amounts that I owed was not accurate. I asked Mohela to update the amounts and eventually they did but they need to be more diligent with this as this greatly affects credit score. Young people may not be aware that their loan servicers are not updating the amount and that is not OK. It is the responsibility of the servicer to show that the loans are being paid off and to update the credit bureaus. 

My private information was also taken without my permission and this is in violation of FERPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation