vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-01-16 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: NY

Complaint narrative:
I submitted proof that these debts were not incurred by me. Proof that I resided in another state when these debts were incurred. XXXX failed to investigate, they reported back to me within 48 hours that they have done an investigation. If they reviewed the documentation with my NYS ID validating that this reporting is inaccurate and should be removed from my credit report that is disadvantaging me and I am not able to get a loan or refinance. 

XXXX has already removed these off of my Credit Report. I do not understand XXXX and Transunion continue to disadvantage me as a consumer in reporting inaccurate information which is a violation of the FCRA.

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 2025-01-16 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 this to formally express my concern Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting my financial intuition and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that the tracking these transactions was infeasible CFPB findings indicate. That Zelle has not only neglected to protect costumers but he 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 costumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I sent a letter to the institution requesting the 1099C cancelation of debt for my income reporting purposes with the IRS. The institution did not provide it when the 'charge off ' was reported which means this needs to be removed from my credit report. I would have to amend my tax returns for that reporting year using the 1099C... not providing the 1099C if account was charged off is against reporting regulations

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Inaccurate information has been disputed and not removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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:
After viewing my Consumer Reports, I've noticed some inconsistencies. Consumer Reporting Agencies play a crucial role in accuracy reporting consumer information. According to 15 US Code 1681e, it is imperative that the information being reported is of the utmost accuracy. XXXX XXXX shows a loan start date of XX/XX/year>. However, I have NOT applied or signed loan documents directly with this company. They are also showing inconsistent last payment time periods across the 3 credit bureaus which is inaccurate. Experian shows 60 days late. I have a loan with XXXX XXXX that started on XX/XX/year>. However, the amounts owed are different from XXXX XXXX on all 3 bureaus, which is another inaccuracy. I have Exceptional payment history, and these inconsistencies were made without my knowledge and consent, and I request that the account and late payments be removed immediately.

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 2025-01-16 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: TX

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 Finanicial 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 2025-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I did a application for a program in my city l was Denied because of Liens on my property since XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  took over mortgage XXXX went to XXXX XXXX XXXX XXXX XXXX XXXX was not excepting payments lawyers did a modification Specialized loan servicing mortgage Since XX/XX/XXXX l have been making monthly payments with Shellpoint mortgage l am requesting loan release

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take XXXX and e ective measures to XXXX! XXXX? 

address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The account is - XXXX XXXX XXXX opened on XX/XX/year> Amount : XXXX I've reached out to this company and have not received any type of feedback.

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 2025-01-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. The account is - XXXX XXXX XXXX opened on XX/XX/year> Amount : XXXX I've reached out to this company and have not received any type of feedback.

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 2025-01-16 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:
Was never aware that recovering lost funds would not be granted. From the many yrs of using sell this has happend numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
XX/XX/year> Dear Experian, Due to the recent CFPB lawsuit filed against Experian in. XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law. 

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. 
Which I ask that you provide to me in exact detail via mail and not through your online portal.

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 2025-01-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Unable to load funds on digital wallet and when requested to send funds with XXXX I was scammed money never refunded, and my information got leaked

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 2025-01-16 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I am writing to formally address ongoing errors and unresolved concerns regarding my consumer report managed by XXXX. These issues have caused significant inconvenience and have yet to be resolved despite my efforts to seek clarification and corrections. 

Unverified Information : The information reported on my consumer report, particularly regarding [ specific item or account details if known ], remains inaccurate and unverified. No written explanation or documentation has been provided by XXXX to justify the inclusion of this information. 
Failure to Obtain Consent : I have identified instances where inquiries and reporting activities were conducted without my explicit written or verbal consent. This raises serious concerns about the compliance of these actions with legal and regulatory standards. 
Lingering Inaccuracies : Despite previous attempts to dispute these inaccuracies, the errors continue to affect my consumer report and, consequently, my financial reputation. I have yet to receive confirmation of investigations or any written correspondence outlining the status of these disputes. 
Given these concerns, I request the following actions : Immediate investigation into the inaccuracies on my consumer report. 
Written explanations for all items in question, including evidence of verification processes. 
Removal of all unverified or unauthorized entries. 
Confirmation that XXXX has taken corrective measures to prevent such occurrences in the future. 
Please treat this matter with urgency, as these issues are adversely impacting my ability to access financial services. I expect a written response within 30 days as mandated by federal law. 

Thank you for addressing this matter promptly. I look forward to your swift resolution and detailed response. 

without prejudices by XXXX XXXX on XXXX of 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address ongoing errors and unresolved concerns regarding my consumer report managed by XXXX. These issues have caused significant inconvenience and have yet to be resolved despite my efforts to seek clarification and corrections. 

Unverified Information : The information reported on my consumer report, particularly regarding [ specific item or account details if known ], remains inaccurate and unverified. No written explanation or documentation has been provided by XXXX to justify the inclusion of this information. 
Failure to Obtain Consent : I have identified instances where inquiries and reporting activities were conducted without my explicit written or verbal consent. This raises serious concerns about the compliance of these actions with legal and regulatory standards. 
Lingering Inaccuracies : Despite previous attempts to dispute these inaccuracies, the errors continue to affect my consumer report and, consequently, my financial reputation. I have yet to receive confirmation of investigations or any written correspondence outlining the status of these disputes. 
Given these concerns, I request the following actions : Immediate investigation into the inaccuracies on my consumer report. 
Written explanations for all items in question, including evidence of verification processes. 
Removal of all unverified or unauthorized entries. 
Confirmation that XXXX has taken corrective measures to prevent such occurrences in the future. 
Please treat this matter with urgency, as these issues are adversely impacting my ability to access financial services. I expect a written response within 30 days as mandated by federal law. 

Thank you for addressing this matter promptly. I look forward to your swift resolution and detailed response. 

without prejudices by XXXX XXXX on XXXX of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-01-16 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:
On XX/XX/year>, I received a request for a money wire via Zelle on XXXX XXXX  platform, in the amount of {$67000.00}. After reviewing the request, I recognized it as a potential scam and decided to deny the transaction. I contacted XXXX customer support team for clarification, but I have not received any further assistance or a satisfactory resolution. This situation has been concerning, and I am requesting a prompt investigation. Please let me know if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Asked equifax to fix multiple discrepancies on my credit report and they keep stalling and not providing me with the information I need. I have consulted an attorney and they advised me to include these letters in this complaint including my id, ssn card and proof of address. Please see attached letters to this complaint.

Company response to consumer: Closed with non-monetary relief