vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SHAZAM, INC./IOWA TRANSFER SYSTEM, INC. (ITS)
State: IA

Complaint narrative:
The phone number XXXX has called me twice now telling me there are pending charges to my card ( there are not ) trying to get me to give them information. I know these are scams & have confirmed this with my bank. I don't know if they are using a legit $ that they have pirated or if it's all fake. I just don't want anyone that does not understand scams ( like my elderly mother ) to be taken for a ride

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My information was stolen and CC were received by identify theft along with bank accounts and vehicle purchased. 
How can I get these off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
My information was stolen and CC were received by identify theft along with bank accounts and vehicle purchased. 
How can I get these off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened a Bank of America credit card in fall XXXX and had not used it for over 12 months. The annual fee was added to my account in XX/XX/XXXX, and I was enrolled in paperless billing. However, I never received an email notification about the charge. The first time I was made aware of the balance was in XXXXby mailafter it had already been reported as delinquent to all three major credit bureaus. This single {$59.00} charge dropped my credit score from approximately XXXX to XXXX. 

I have attempted to request a goodwill removal of the late payment from my credit history, but navigating XXXX XXXXXXXX XXXX customer service has been nearly impossible. This raises concerns about how many others may be affected by similar practicesbeing penalized without notice and without an accessible path to resolution.

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 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
XXXX from Columbia debt is being reported on my account. I do not owe XXXX at all! In fact it should only be XXXX from XXXX XXXX XXXXXXXX and its only one account. XXXX XXXX has send proof and updated The incorrect information. Columbia debt is reporting false amount on my credit report that says XXXX Again that XXXX is not owed at all! inaccurate and should be remove from credit report with correct information, its still being falsely reported!! XXXX XXXX XXXX  XXXX  property manger I spoke with name is XXXX XXXX corrected its only one account and the balance is XXXX Not XXXX. 

Columbia debt is Still reporting on my credit report for XXXX and being charge for interest on a balance I dont owed this should be removed /corrected from my credit report, again. XXXX is not Owed! And its only XXXX thats due and its only one account please correct or remove ofc my credit report The information from Columbia sent was XXXX XXXX is inaccurate I attached the updated information statement from mosaic that they made and error and mosaic SENT the corrected statement.. everything is attached proof that the balance is not XXXX please see proof below with update statement from XXXX XXXX Columbia is reporting outdated information please remove and fixed The new statement XX/XX/XXXX XXXX from XXXX XXXX shows the correct balance of XXXX and only XXXX thats owed .. this is same account number its not 2 accounts and its only XXXX not XXXX same account number not different accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of TILA & FCRA Demand for Account Removal To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for violating the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) by continuing to report a charged-off account with an outstanding balance on my credit report. 
The account in question ( [ Account Number ] ) has been charged off, yet XXXX XXXX XXXX continues to misrepresent the debt by reporting an inaccurate balance, in violation of : TILA ( 15 U.S.C. 1666i ( b ) ), which prohibits misleading credit reporting practices.

FCRA ( 15 U.S.C. 1681s-2 ), which requires creditors to report accurate information and correct any errors. 
This false reporting is damaging my credit profile and directly violates federal consumer protection laws. I have previously disputed this with XXXX XXXX XXXX, but they refuse to correct the issue, leaving me no choice but to escalate this matter to the CFPB. 
I am formally requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to delete this account entirely from XXXX, Experian, and XXXX. Simply correcting the balance is not sufficient, as the continued reporting of a charged-off balance is inherently misleading. 
Requested Resolution : I demand the immediate and permanent removal of this account from all three major credit bureaus. If XXXX XXXX XXXX does not comply, I will explore further legal action for their noncompliance. 
I appreciate the CFPBs attention to this matter and look forward to a resolution.

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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CHERRY TECHNOLOGIES INC.
State: GA

Complaint narrative:
Im seeing two different credit scores which hurt my when trying to apply for dental credit. XXXX is showing a high score of XXXX but on the adverse letter my score is lower is XXXX, that's not correct

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 am writing to formally address your failure to maintain fair and accurate credit reporting, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, consumer reporting agencies are obligated to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past several months, you continue to report inaccurate and unauthorized information without providing any proof of the verification methods used. This failure to comply with FCRA guidelines is both unacceptable and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I am writing to formally address your failure to maintain fair and accurate credit reporting, as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA 602, consumer reporting agencies are obligated to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. However, despite my repeated dispute letters over the past several months, you continue to report inaccurate and unauthorized information without providing any proof of the verification methods used. This failure to comply with FCRA guidelines is both unacceptable and a violation of my consumer rights.

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 2025-02-11 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:
XXXX Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your account. 
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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.

Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-11 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: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was trying to purchase a XXXX XXXX dog from someone and the payment was sent through Cashapp, I was scammed out of my {$1000.00}. I guess they entered a fake name and email to set up the acct. I actually spoke to this person I was getting the dog from over the phone about the whole process of getting the dog. He asked for more money for shipping which was already in the price, I figured out it was a scam. So I reported it on Cashapp that day, then called them and they told me they couldn't do anything to recover my money or help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing you with this formal grievance and a call for adequate movement on your part. You are improperly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are in violation of the FCRA aka the Fair Credit Reporting Act. The dishonorable behavior ( s ) conceivable a matter subject to fines and damages. I am providing you but this one last hope for suitableness of this account. Previously, I had sent you a letter advising you that you were inaccurately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to update my file. Due to your now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it seems that my mailed letter was unexpectedly derided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
XXXX XXXX I am to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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 2025-02-11 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diverse Funding Associates LLC
State: WV

Complaint narrative:
I was paying on a loan to a credit union called XXXX until last year when we had a death in the family and a significant loss of income. I was unable to make the payment for several months and then it was transferred to a company called XXXX XXXX. Then I began having calls from a company called XXXXXXXX XXXX XXXXXXXX working for a XXXX to collect on the debt. They call me and every member of my family repeatedly until someone answers and then they will not take no for an answer. I believe this qualifies as harassment and I want it to stop. I also want them to provide documentation that they are authorized to collect on the debt but I have never given that authorization to them. This could be fraud as the account has changed hands so many times and they have not provided the requested documentation. Please help.

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