vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the handling of my personal and business accounts with Citi Bank, which has caused significant financial and operational distress. 

In XX/XX/XXXX, my personal account was unexpectedly locked after I made a XXXX transfer for purchasing cat food. I immediately contacted Citis customer service to clarify the transaction. The representative informed me that a letter with a reference code would be sent to my address, which I needed to verify upon receipt in order to unlock my account. However, despite waiting for a month, I never received this letter. 

I subsequently contacted Citi Bank multiple times and even visited a branch to resolve the issue. Unfortunately, I was repeatedly told that nothing could be done except to wait for the letter. I also questioned whether my address on file was correct, and the representatives confirmed that it matched my current residential address. 

It was only in XX/XX/XXXX that I discovered Citi had been sending my verification letters to an incorrect addressone that I had moved out of long ago and never provided to Citi. I managed to retrieve the letter, called customer service to verify my identity, and was assured that my personal account would be unlocked within 24 hours. However, my account remained frozen. 

A few weeks later, without any prior notice, my business checking account was also suddenly restrictedI was unable to make any payments, though deposits were still being accepted. When I contacted Citi, I was informed that both my personal and business accounts were in the process of being closed, which would take two months, during which I had no access to my funds. 

This decision has caused severe disruptions to my business operations : I was unable to pay my XXXX employees salaries. 
I was unable to pay my business rent. 
My funds have been completely frozen, and Citi has refused to release my money. 

Citis mishandling of my accountsstarting with the misdirected letters, the prolonged account freeze, and now the unjustified closure of both accounts without a proper resolutionhas severely impacted my business and financial stability.

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 2025-02-13 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
Harassed me. Called me multiple times. Said it was going to affect my credit so i wouldnt be able to purchase anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 have discovered inaccurate information on my credit report, and I am extremely frustrated that this has not been addressed. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally required to verify these accounts. It is completely unacceptable for unverified information to remain on my report without proper evidence, especially beyond the legally mandated timeframe. I demand an immediate investigation and correction of the errors related to the following accounts on my credit report. 
XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 have discovered inaccurate information on my credit report, and I am extremely frustrated that this has not been addressed. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the three credit bureaus are legally required to verify these accounts. It is completely unacceptable for unverified information to remain on my report without proper evidence, especially beyond the legally mandated timeframe. I demand an immediate investigation and correction of the errors related to the following accounts on my credit report. 
XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX XXXX Balance : {$5700.00}

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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AZ

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but TransUnion has failed to fulfill this obligation.

Over the course of my recent interactions with TransUnion, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : TransUnion has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. 

My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 

The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. 

These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnions dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold TransUnion accountable for any violations uncovered during the investigation. 

Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. 

Thank you for your attention to this issue. 

Sincerely, XXXX 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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: GA

Complaint narrative:
Yesterday, XX/XX/year> I called Valon Mortgage to dispute the unexpected {$400.00} increase in my monthly mortgage payment. I was informed that the increase was due to Private Mortgage Insurance ( PMI ) not being included in my mortgage payments, which resulted from an oversight by VALON company. 

Upon reviewing my mortgage statements, I confirmed that PMI had not been charged as it should have been. XXXX suggested spreading the payments over three years, which initially seemed like a reasonable solution. However, I ultimately declined because my payments would still increase, which I believe is unfair given that this issue was caused by VALON companys mistake. I also requested the immediate removal of PMI, but Valon refused. 

Given this error, I formally request the following : If my Loan-to-Value ( LTV ) ratio is below 80 %, I request the immediate removal of PMI.

If my LTV is still above 80 %, I request a waiver or lender-paid PMI coverage due to your companys negligence. 
Since the failure to charge PMI was due to an oversight on your part, I do not believe I should be penalized for this mistake. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance Owed : {$6000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-13 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX FIN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-13 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:
Disputed a closed account that has been written off XXXX XXXX  report number XXXX with Experian and all was done no verification just said account information was updated I disputed it to be removed from my credit report according to 15 USC 1692 C.

I Disputed a closed account that has been written off XXXX XXXX  report number XXXX with Experian and the only response was account information has been updated no verification of debt letter no authorization for debt by me I dont believe that it was handled according to 15 USC 1692 C the fair credit reporting act and should be removed from my report as disputed.

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 2025-02-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MS

Complaint narrative:
I am filing a complaint against XXXX for providing incomplete documentation to validate a debt. The company typically responds within XXXX days and sent an agreement asserting that I was the borrower, along with additional documents. However, none of these documents bear my signature to confirm my obligation. 

I believe this practice does not meet the full validation requirements under applicable consumer protection laws. I request that the CFPB investigate this matter and take appropriate action to ensure that proper, fully validated documentation is provided. 

Thank you for your attention to this matter.

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