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

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 infomed 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: 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:
In early XXXX I requested a debt verification/ validation letter from XXXX XXXX XXXX XXXX After receiving an itemized list/ not a validation letter. I noticed that this list ( see documents ) was not very professional and looked like a typed up piece of paper. Today XX/XX/XXXX I spoke to a supervisor at Transunion and asked he could take a look at the balance of the itemized list and what my report was reporting.Although XXXX has repeatedly reported verified as accurate. He could not explain why and then proceeded to tell me that the Itemized list that I had sent could not be believed bc I just could have typed up the itemized list bc of no letterhead and unprofessional looking. I explained to him that this exact itemized list came from XXXX and was not mine. I do not believe that XXXX is being truthful bc this amount was the same amount payed by gap insurance and Transunion reported on my report as a payment XX/XX/XXXX. Transunion insisted that the change was made by XXXX and that Transunion could never change anything on my report which I dont believe. I understand the CFPB and the FCRA hold both agencies and bureaus responsible. I applied for financing ( being denied ) that my bad credit was in the past just to find out that I had wrongfully made a recent payment as to restart the timeline on this account If you will notice that the {$9400.00} was added and subtracted numerous times and not an accurate fair credit report. XXXX XXXX XXXX just will not make this right it just changes back and forth as CFPB can see in previous disputes that XXXX and Transunion blame each other for my report being fair or accurate. Thanks

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/year>, an XXXX XXXX issued by XXXX XXXX  XXXX was fraudulently opened in my name without my authorization. I did not apply for this account, nor have I ever used it. This fraudulent account is negatively impacting my credit report and is currently past due, causing multiple late payments to appear on my credit history. 

The account has a balance of {$4600.00}, a credit limit of {$6500.00}, and available credit of {$1800.00}. I have never made any transactions or payments on this account. I became aware of it only after reviewing my credit report. 

I am requesting an immediate investigation into this fraudulent activity. This account should be closed, removed from my credit report, and any associated late payments should be deleted to prevent further damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/year>, an XXXX XXXX issued by XXXX XXXX  XXXX was fraudulently opened in my name without my authorization. I did not apply for this account, nor have I ever used it. This fraudulent account is negatively impacting my credit report and is currently past due, causing multiple late payments to appear on my credit history. 

The account has a balance of {$4600.00}, a credit limit of {$6500.00}, and available credit of {$1800.00}. I have never made any transactions or payments on this account. I became aware of it only after reviewing my credit report. 

I am requesting an immediate investigation into this fraudulent activity. This account should be closed, removed from my credit report, and any associated late payments should be deleted to prevent further damage to my credit.

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: 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and negligent reporting of information on my credit report. Under 15 U.S. Code 1681o, credit reporting agencies and furnishers of information are liable for negligence when they fail to comply with the Fair Credit Reporting Act ( FCRA ) and cause harm to consumers due to noncompliance.

The specific inaccuracies in my credit report are as follows : My name and information was leaked in a data breach with XXXX XXXX XXXX

I have already attempted to resolve this matter through [ previous disputes, communication with the furnisher, etc. ], but no corrective action has been taken. The failure to conduct a reasonable investigation and correct these errors constitutes negligence under the FCRA, making the responsible parties civilly liable for damages.

Pursuant to 15 U.S. Code 1681o, I am requesting the following actions : A full investigation into the disputed information.

Immediate removal or correction of the inaccurate data.

A written response detailing the results of the investigation.

Compensation for any damages incurred due to the negligent reporting.

Please consider this letter a formal notice of your failure to comply with the FCRA. If this issue is not resolved within the legally required timeframe, I may be compelled to pursue further legal action, including seeking monetary damages for your negligent actions. 

I expect your prompt response to this matter. Please provide written confirmation of your investigation and any changes made to my credit file within 30 days of receiving this letter. 

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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My bank account was the target of fraudsters who tried cashing multiple bogus checks on XX/XX/XXXX, in the amount of {$1000.00}, {$3800.00} and {$3200.00}. I immediately noticed the fake transactions and contacted the bank in person. The bank reversed all the checks and blocked a number of other fraudulent transaction attempts. They opened a new account for me. 
After XXXX weeks, the new account was also targeted, indicating that my entire online bank account was compromised. On XX/XX/XXXX, a check was written and cashed from my bank account in the amount of {$3900.00}. I noticed the fraudulent check on XX/XX/XXXX and contacted BMO by phone and email, as I was out of the country, informing them of the fraudulent check. However, they allowed the check to post, even when the check was obviously forged, as it did not even have the correct name on it where my company name was supposed to be, and Only on the XXXX did they submit a dispute to the check. They are also telling me that I XXXX not be refunded for the check, and if I am, it can take 6 months. I notified the bank in a very timely manner of this fake check, within XXXX hours of it being written, and I desperately need my {$3900.00}. The bank is being retaliatory and spiteful because I was a victim of fraud due to their poor security measures they have in place. I want my money returned and the check refunded immediately, as I am entitled to by 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 monetary relief
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: DE

Complaint narrative:
Last year there was more than one payment being made from my account to another party, in the amount of {$500.00} and I requested information on how this money was removed from my account and who it went to. The company was unable to tell me anything or return these missing funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for attempting to collect a debt that I do not owe to them. The alleged debt originates from XXXX XXXX ( XXXX XXXX ) for a defective refrigerator they sold me and refused to repair. XXXX subsequently charged off this debt years ago and benefitted from an IRS tax credit. 

At no point have I conducted business with Jefferson Capital Systems on or about XX/XX/year>, nor have I entered into any financial agreement with them regarding this debt. They are now attempting to collect {$2000.00}, an amount they have reported to XXXX, XXXX, and XXXX, negatively impacting my credit report. Since XXXX charged off this debt and received a tax benefit, Jefferson Capital Systems has no legal standing to collect it. 

Additionally, XXXX failed to send me the required IRS Form 1099-C, which should have been issued when they charged off this debt. This raises concerns about whether XXXX properly reported the charge-off to the IRS, potentially indicating tax fraud. If XXXX received a tax credit on the charged-off debt, then they have already been compensated, and Jefferson Capital Systems can not legally collect on this debt. 

Violations of Federal Law : Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Jefferson Capital Systems is engaging in false, deceptive, or misleading representations by attempting to collect a debt that has been charged off and already tax-benefited by the original creditor. 
Misrepresenting the legal enforceability of a debt is prohibited under the FDCPA. 
Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Jefferson Capital Systems failed XXXX properly verify the debt before reporting it to the credit bureaus. 
Under the FCRA, a debt collector can not report inaccurate, misleading, or unverifiable information on a credit report. Since I do not owe Jefferson Capital Systems anything, this entry should be immediately removed from all three credit bureaus. 
Potential IRS Violations 26 U.S.C. 6050P requires creditors to issue a 1099-C tax form for any debt discharged or canceled in excess of {$600.00}. 
Since XXXX charged off this debt and claimed a tax credit, they were required to issue me a 1099-C, which they failed to do. 
This failure to issue the proper tax documentation could be an attempt to avoid IRS regulations and constitutes potential tax fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
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: OH

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non- compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

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: NC

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments.

I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non- compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

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: 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:
I am filing this complaint against Equifax, Experian, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate and unverifiable information on my credit report. Despite my formal dispute letters sent via certified mail, these credit bureaus have failed to remove inaccurate or unverified accounts as required under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ]. 

The following accounts are inaccurately or improperly listed on my credit report : XXXX XXXXXX/XX/XXXX XXXX Account Number : XXXXXX/XX/XXXX Account Number : XXXX Extra Account Number : XXXX XXXX XXXXXX/XX/XXXX Account XXXX : XXXX XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Numbers : XXXX, XXXX XXXX XXXXXX/XX/XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXXXXXX Account Number : XXXX I formally requested that these credit bureaus provide verification of these accounts, including signed contractual agreements as required under FCRA 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ( a ) ( 1 ) ]. However, they have either failed to respond within the legally required timeframe or have not provided sufficient documentation to verify these debts.

Additionally, under FCRA 605B ( c ) ( 2 ) [ 15 U.S.C. 1681c-2 ], if an item can not be verified, it must be permanently deleted. These credit bureaus are violating federal law by continuing to report this information, causing me financial harm, including denied credit opportunities and negative impacts on my credit score.

Resolution Sought : I request that the CFPB take immediate action to enforce compliance with the FCRA and require Equifax, Experian, and TransUnion to : 1. Permanently delete the disputed accounts from my credit reports.

2. Provide written confirmation that these accounts have been removed.

3. Cease reporting any unverifiable or inaccurate information related to these accounts.

4. Investigate the credit bureaus failure to comply with federal law.

If these credit bureaus do not comply, I request that the CFPB take appropriate regulatory and legal action against them to prevent further consumer harm.

Please provide me with a written response detailing the actions taken to resolve this matter. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 explanation