vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
This tradeline on my credit report is not reported with the maximum possible accuracy, which is a clear violation of reporting standards. I demand that you delete this entry from my credit report immediately, as it is incorrect and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I OBTAINED MY XXXX REPORT # XXXX, AND I NOTICED A OUTSTANDING AMOUNT OF HARD INQUIRIES THAT I DID NOT AUTHORIZED,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I OBTAINED MY XXXX REPORT # XXXX, AND I NOTICED A OUTSTANDING AMOUNT OF HARD INQUIRIES THAT I DID NOT AUTHORIZED,

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 2025-01-29 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: LEXISNEXIS
State: OH

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: AR

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I believe my information may have been part of a data breach I have late reporting on my account thats do not belong to me I have reached out to the institutions and was told it would be handled 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 2025-01-29 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: OH

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cash app account and I asked for multiple disputes cause my account was accessed couple times I had lost my phone and they told me I validated terms and conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing this complaint regarding a total of {$9700.00} in disputed charges on my credit card issued by XXXX by XXXX XXXX. These charges were made across multiple months by various merchants, including XXXX XXXX XXXX ( {$3200.00} ), XXXX ( {$820.00} ), and XXXX XXXX XXXX XXXX ( {$260.00} ). 

These charges are fraudulent, and the merchants either failed to deliver the promised services or overcharged me without my authorization. After reviewing my evidence, XXXX initially credited my account and removed the charges. However, they later reinstated the charges without valid justification, leaving me with a balance I do not owe. 

List of Disputed Charges XXXXXXXX XXXX  XXXX XXXX : {$3200.00} XXXX. XXXX XXXX : {$820.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX. XXXX XXXX XXXX : {$600.00} XXXX XXXX XXXX XXXX {$490.00} XXXX. XXXXXXXX XXXX XXXX {$400.00} XXXX. XXXX XXXX XXXX : {$380.00} XXXX. XXXX XXXX XXXX : {$330.00} XXXX. XXXX XXXX {$330.00} XXXXXXXX XXXX  : {$320.00} XXXX. XXXX XXXX : {$320.00} XXXX. XXXX XXXX XXXX : {$310.00} XXXX. XXXX : {$300.00} XXXX. XXXX XXXX : {$260.00} XXXX. Choice Home XXXX XXXX {$260.00} XXXX. XXXX XXXX XXXX XXXX  : {$260.00} XXXX. XXXX XXXX XXXX : {$250.00} XXXX. XXXX XXXX : {$220.00} XXXX. XXXX XXXX XXXX XXXX  : {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX, trustee XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it. 

Furthermore, per XXXX XXXX XXXX under the Equal Credit Opportunity Act ( XXXX ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : 1. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt.

2. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor.

3. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law. 

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and fulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-01-29 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: International Computer Systems, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1691 To Whom It May Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it. 

Furthermore, per 15 U.S.C. 1691, under the Equal Credit Opportunity Act ( ECOA ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : XXXX. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt. 
XXXX. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor. 
XXXX. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law. 

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and full compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove the accounts from my report. They are hurting my ability to obtain 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Skopos Financial, LLC
State: SC

Complaint narrative:
I never received a credit card or lending funds from the Creditor.

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 2025-01-29 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: PA

Complaint narrative:
While checking my credit profile I saw I had some inquiries that didn't belong to me.

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 2025-01-29 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. 

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 2025-01-29 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:
Despite repeated attempts to remove 3 inquiries from my credit report that are not legitimately mine I am being told that the inquiries are verified and are not being removed from my credit report. The inquiries are not genuinely mine and I am not being believed in the face of identity theft. I want the matter resolved as it can not happen again as I have a freeze on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
The XXXX XXXX XXXX account ending in XXXX is reporting 120 days late every single month, however I have a payment arrangement with this company and have made all payments on time. The payment amounts that I have made to this account are also reporting inaccurately on my report. They have also included comments on the report stating 180 days past due. Since the date of the start of the payment arrangement, this account has been paid on time, however each month it is being reported 120 - 180 days late every single month. It goes from 120 to 150 to 180, back to 120 then repeats the cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am victim of identity theft, my personal information was stolen and compromized or used and in results I've got three fraudulent accounts on my credit report. Here are all the details of these three fraudulent accounts : 1 ) Account Name : OPORTUN/PROGRESO FINANCI ( This account shows only on XXXX and XXXX ) Account Number : XXXX Type : Unsecured Open Date : XX/XX/XXXX Balance : {$3100.00} Status : Account charged off. {$3400.00} written off. {$3400.00} past due as of XX/XX/XXXX. 
2 ) Account Name : XXXX XXXX  ( This account shows only on XXXX and XXXX ) Account Number : XXXX Type : Credit card Open Date : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. 
3 ) Account Name : XXXX XXXX  ( this account shows on all 3 Bureaus - XXXX, XXXX and XXXX ) Account Number : XXXX Type : Credit card Open Date : XX/XX/XXXX Balance : {$0.00} Status : Paid in settlement. 
All these accounts are fraudulent. I have never authorized them, I have never registered them before. Also I have never logged onto them, I have never paid for them and I absolutely never signed any documents or contracts on them. I already called to XXXX credit bureaus, disputed with them, I prepared an FTC report and again disputed them all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
Our company has been charge {$190.00} a month for credit card account we closed out in XXXX of 2023. When i reached out about the fees I was told they could partially refund 3 months worth of fees but not even the full {$190.00}.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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 2025-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
Hi, I reached out to my home mortgage to have my PMI removed as I have paid my mortgage for 2 years and the home value has appreciated to the qualified amount. However due to 3 late payments out of 24 due to hardship they are refusing to removing it and are overwriting the homeowners act of 1988 by implanting and priortizing their own policies. Can someone please help me with this and they also received a 20 % downpayment to a conventional loan. So they should have never attached a PMI to begin with. Not to mentioned no one ever explain the mortgage prior to closing that the mortgage will increase after 2 years and that it was a short sale.

Company response to consumer: Closed with explanation