vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention XXXX discrepancies on my credit reports that have been causing me concern. As a responsible consumer, I am eager to request your assistance in resolving these issues. 

Discrepancy XXXX : XXXX XXXX Credit Card Account Account Opened : XX/XX/XXXX I had multiple late and missing payments, resulting in a serious delinquency notice on my credit report. Although the account was charged off, I made full payment to XXXX. However, despite my efforts to resolve this issue, a " serious delinquency '' notice continues to appear on my credit report every time it is run. Unfortunately, this notice does not specify which account is causing it, further complicating the situation. 

Request for Clarification I am requesting that the credit reporting agencies provide a detailed explanation of which account is causing this " serious delinquency '' notice to appear on my credit report. This is essential to accurately understand and address the issue. 

Expected Removal Date As I researched the impact of old accounts on credit reports, I discovered that all collections and delinquencies should fall off after 7 years ( Federal Credit Reporting age ). Since the account was opened in XX/XX/XXXX, this month ( current year ) marks 7 years since the opening date. I am requesting confirmation as to when this account will fall off from my credit report. 

DiscreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Account Opened : XX/XX/XXXX This account is currently listed as " derogatory '' on my credit report. However, I made a full payment on XX/XX/XXXX. As the account was paid in full, I should no longer have any negative information associated with this account. 

Request for XXXX I am seeking clarification on the expected removal date of this account from my credit report. Could you please provide me with an update regarding when I can expect this account to be removed? 

Request for Update Could you please provide me with an update regarding the expected removal dates for these accounts on all major credit reporting agencies ( Transunion, XXXX, XXXX, XXXX and others )? I would like to ensure that both accounts are accurately reflected on my credit report after the respective XXXX period has passed. 


Thank you for your prompt attention to this matter. I am committed to maintaining a positive and responsible credit history, and any resolution to these discrepancies will aid in ensuring a more accurate and fair XXXX XXXX representation. 

I eagerly await your response and am available for any further clarification or information if needed.

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 2025-01-14 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-15 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: PA

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 non-monetary relief
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
My information was given out when the there was a data breach. There are account on my credit that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
My information was given out when the there was a data breach. There are account on my credit that is not mine

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 2025-01-14 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: GA

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, and you the XXXX reporting XXXX XXXX Transunion credit reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards and Auto loan accounts opened at XXXX XXXX ( {$210.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX  ( {$400.00} ) ACCOUNT NUMBER XXXX, XXXX. XXXX XXXX ( {$4500.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ( {$17000.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX ( {$4900.00} ) ACCOUNT NUMBER XXXX, XXXX XXXX XXXX XXXX ( {$25000.00} ) ACCOUNT NUMBER XXXX, XXXX  XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX ( {$96.00} ) XXXX, XXXX XXXX ( {$360.00} ) XXXX along with a fraudulent inquiries that include XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which show the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquiries as reported. The aforementioned accounts collections and hard inquiries appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud.

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 2025-01-15 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I sent 3 certified letters on XX/XX/24 XX/XX/24 XX/XX/24XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I sent money via Zelle to an individual for a service that was never completed. After realizing the transaction was fraudulent, I contacted Zelle customer service to request a refund. They conducted an investigation but ultimately denied my request for a refund. Despite my efforts to resolve the matter through their support channels, I have not been reimbursed. I am aware that Zelle is facing legal action, and I am seeking to file this complaint in the hopes of recovering the funds. I would like Zelle to refund the money that was sent to the individual who did not provide the promised service and money for the issue at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct reasonable reinvestigation of disputed information on my credit repor, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer 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 Experians 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX XXXX and XXXX XXXX, I submitted a dispute to Experian informing them to investigate that the XXXXXXXX XXXX XXXX  Account XXXX that is being reported in my credit report is indeed accurate and that they have investigated an obtained an original copy of the contract that had my signature present. Both disputes came back stating XXXXXXXX XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
XXXX XXXX Zelle- sent payment to wrong person. Never able to get a refund. It was {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Money was taken out of my account with no authorization.

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
acct hacked and my whole balance transferred and bank acct closed due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-15 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-15 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XXXX, XXXX, PA XXXX RE XXXX Correction to my personal information Dear Transunion, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 


Wrong address : XXXX XXXX XXXX XXXX, FL 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/year> letters were sent to all XXXX  credit bureaus to have old closed accounts remove from my credit report. It is affecting my children and I lively hood, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-14 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:
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 Financial 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 inaccurate information from 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I had issues with Zelle stating I sent Zelle transfers that I didnt. & they stated they werent able to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
in accordance with the fair credict reporting act XXXX acounts # XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A State 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 instruccion

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 2025-01-14 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: AZ

Complaint narrative:
incorrect credit reporting and not conducting proper investigations on debt collection agencies

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 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One 360 Savings account in early 2024. The terms were that if I deposited {$1000.00} into the account and left it there for 90 days, they would then pay me a {$200.00} reward. The reward never came after the 90 days, and they never explained why. They just made excuses about how the money was deposited ; I deposited the money just as they said I shouldfrom an outside bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I was sending money through Zelle as a down payment for a service unfortunately I did not get a notice that money was sent, then I texted the service and they said the number was not updated so I had to send the deposit again and with out getting my previous money back with out a warning.

Company response to consumer: Closed with explanation