vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Vanilla Visa e-gift card was purchased through " the gift card shop ''. After received the email and clicked into the link, the website indicated the card is on hold. The case was raised same day through customer service ( Phone # XXXX ) of " Vanilla Gift ''. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that case will be solved and check will be delivered by 2-4 weeks. 
XX/XX/XXXX, XXXX : I called Vanilla Gift customer service, i was asked to wait for 4 weeks from case raising. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that case resolved, check will be sent out, and it will take 5-7 business day. 
XX/XX/XXXX : I called Vanilla Gift customer service, get notified that it will take up to 3 weeks to receive the check, expect by XX/XX/XXXX. 
XX/XX/XXXX : I called Vanilla Gift customer service, not receiving refund check has been escalated, should received email with solution by 24-48 hours. 
XXXX : I called Vanilla Gift customer service, one supervisor told me the escalation will take 7-10 business day to process. 
XXXX : I called Vanilla Gift customer service, one manager told me that the escalation is still pending, he will work on it and I will have update within 48 hours. 
XXXX : I called Vanilla Gift customer service, another supervisor told me to wait for another 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: KS

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint Against Square Missing Transfers Totaling {$6600.00} Dear Consumer Financial Protection Bureau, I am filing this complaint against Square due to their ongoing failure to process and release {$6600.00} in business funds that rightfully belong to me. Despite my continuous efforts to resolve the matter through Squares customer support, my funds remain withheld without any valid explanation.

Issue Details : I have opened three separate cases with Square to address the missing transfers, with the most recent case initiated on XX/XX/2025. Despite providing all requested documentation, including transaction records and bank statements, Square has failed to resolve the issue.

Squares Lack of Resolution : I have repeatedly contacted Squares customer support via phone and email, seeking answers and escalation. 
I have provided all necessary documentation to prove that the transfers are missing. 
I escalated the issue to a manager, only to receive the same vague response : The issue is in progress.

To date, Square has neither provided a valid reason for withholding my funds nor given a definitive timeline for resolution. 

Impact on My Business : As a small business owner, the withholding of {$6600.00} has caused significant financial hardship, impacting my ability to cover expenses and operate my business effectively. Squares lack of transparency and failure to release my funds raise serious concerns about their handling of consumer financial transactions. 

I believe Squares practices warrant regulatory review, as their failure to provide timely access to business funds can cause undue harm to small businesses. I appreciate the CFPBs assistance in addressing this matter and holding Square accountable for their unfair business practices.

Please let me know if any additional information is required. Thank you for your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I CHANGED ENTIRE NAME A FEW YEARS AGO. IN XXXX OF XXXX MY CREDIT WITH EXPERIAN SEEMED TO SPLIT AND MY SCORE DISAPPEARED. AT FIRST IT SHOWED A SCORE OF XXXX. THEN IT DISAPPEARED COMPLETELY. I CALLED THEM PROB 100 TIMES IN THE LAST YEAR. THEY TOLD ME SOMETHING DIFFERENT EVERY TIME I CALLED. THEY SAID THEY CAN SEE ALL MY CREDIT HISTORY THE ONE I SHOULD BE SEEING, BUT THE PAGE THAT SHOWS MY SCORE SHOWS ONLY MY OLD NAME AND ONE THING ON MY CREDIT REPORT. ITS LIKE 2 DIFFERENT SIDES. I TRIED TO GET A PRE APPROVAL FROM MY BANK AND THEY SAID THEY ARE SEEING THE SIDE UNDER MY OLD NAME THAT SHOWS NO CREDIT HISTORY. I HAVE A VERY LONG CREDIT HISTORY. I TRIED TO TELL THE PEOPLE AT EXPERIAN BUT THEY TALKED DOWN TO ME AND JUST KEPT SENDING ME TO THE SAME ROBOT THAT WON'T TRANSFER ME TO ANYONE IMPORTANT. I TRIED TO GET IN TOUCH WITH CORPORATE. I TRIED TO TALK TO EVERY DEPARTMENT. BUT BECAUSE THEY CANT SEE WHAT I SEE ITS LIKE THEY DON'T EVEN TRY TO FIX IT. THEY CANT EVEN GIVE ME A CREDIT SCORE BUT CAN SEE MY NEW NAME SIDE WITH MY CREDIT HISTORY ITS LIKE THEY DON'T BELIEVE ME. I CAN'T BUY A HOME OR GET A NEW CAR UNTIL THIS IS FIXED. I AM OUT OF OPTIONS AT THIS POINT.

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 2025-02-26 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: CA

Complaint narrative:
I was shocked to find accounts on my credit report that I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely unacceptable and must be corrected immediately. I need to know how this happened and why my report contains inaccurate information that is harming my financial profile.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was around excellent credit score XXXX XXXX. I opened the card to pay for dental expenses at the time. They advertised that care credit would make my credit it go up only to find out my score dropped to XXXX points. I paid off the card. They asked if I wanted to increase my credit limit then I not knowing they would decrease my limit from close to $ XXXX down around {$700.00}. When I paid everything went to use the card thinking I had a limit close to XXXX and now Im stuck at a health care facility not bein able to pay what I owe them of {$2800.00}. Not only I dropped XXXX points when they asked me if I wanted the increase I lost point in another inquiry. I called customer service they refused to put it back to original amount. They then told me I can try get a credit increase but they would run another inquiry I was denied and to cover the cost health car I ask for another increase of less than half of XXXX. 2 inquires in under XXXX min which my credit score will be even lower now. This should be illegal. This one creator card has cost me around XXXX from under a year ago and I paid the card off completely. They falsely advertise it will help my credit and never has sine day one

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 2025-02-26 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: GA

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 2025-02-26 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: GA

Complaint narrative:
There are several accounts listed on my credit report that do not belong to me. This is not only unfair but also deeply concerning, as I have never authorized or been involved in any of these actions. If you fail to investigate these accounts and correct this error, I will be forced to take legal action.

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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

Complaint narrative:
Here I am again, disputing the same inaccurate reporting on my credit file. At this point, I have lost count of how many times I have submitted disputes regarding this issue, yet the inaccuracy remains unresolved. A XXXX XXXX  XXXX account continues to be reported as " CURRENT, WAS PAST DUE 30 DAYS '' by Experian, while both XXXX and XXXX correctly list it as " PAID OR PAYING AS AGREED. '' This discrepancy is unacceptable and raises serious concerns about compliance with federal law. Even within Experians own records, the payment history section shows " OK '' for every single month. If there are no documented late payments, there is no justification for reporting the account as previously delinquent. This is not just an errorit is a clear violation of consumer rights. Under the FCRA, consumer reporting agencies are legally required to ensure the maximum possible accuracy of the information they provide. 15 USC 1681e ( b ) mandates that reports be accurate, and 15 USC 1681i ( a ) requires agencies to conduct a reasonable reinvestigation when a consumer disputes an item. Despite multiple disputes and supporting evidence proving that this payment status is incorrect, the inaccurate reporting has not been corrected. This ongoing failure to ensure accuracy and fairness in credit reporting is a blatant violation of these legal obligations. The refusal to correct this error has already caused harm by misrepresenting creditworthiness, creating unnecessary financial obstacles, and leading to undue stress. Under 15 USC 1681n and 1681o, consumer reporting agencies may be held liable for willful or negligent noncompliance, including statutory damages of up to {$1000.00} per violation and additional compensation for actual and punitive damages. Consumers should not have to repeatedly dispute the same issue due to negligence in maintaining accurate records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.

Complaint narrative:
On XX/XX/year> I sent 2 insurance checks. One was applied and the other was shredded by them. My house flooded and the insurance sent 2 checks of which I did an affidavit to apply the checks to my loan balance. Only the small check was applied. The large check for XXXX was shredded. 

Additionally, they took out homeowners insurance of my behalf for a total of XXXX which I dont need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: FC HoldCo LLC
State: TX

Complaint narrative:
Their are wages and creditors on my credit report that is not mine and I want them remove off my credit report can you send me a letter to mail to these creditors to remove false information off 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 2025-02-26 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: CA

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 2025-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I requested a forbearance on a federal student loan balance being serviced by Mohela. My initial application was submitted on XX/XX/year>. I received confirmation on the screen that the application was submitted, but I never got any communication or status information from Mohela. On XX/XX/year> I submitted a message in my online account asking for a status update on my previous application. On the same day, I also submitted a second application for forbearance and again received confirmation that the application was received. Mohela replied to my inquiry in the online portal on XX/XX/year> saying my application has been received and is pending, once a decision is made I will be notified. I have not received any further correspondence or status updates from Mohela since then. I have called customer service multiple times and can never get through to talk to someone. I submitted another message on the online portal requesting a status update, but at this point it has been over 5 months since my initial application was submitted with no estimate of when a determination will be made or even explanation for why the process is taking so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery Associates has failed to verify an alleged debt that they have listed on my credit reports after multiple attempts requesting a copy of the original contract with my wet signature or an assignment contract. I do however continue receive a bill from PRA for the alleged debt and that does not validate it. Portfolio Recovery Associates failure to properly validate violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation