vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
While using XXXX I was never asked to verify if the person was verified or if the information and person were correct.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2025-01-29 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: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account has been affected by the exposure of the Data Breach. I have the right to privacy 15 USC 1681. Under section 605B this information should be removed of my credit. I need this information to be removed.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX ( XXXX XXXX ) reported incorrect information to Transunion credit report agency which dropped my score XXXX points. When I called XXXX, my wait time is 2 hours and 25 minutes. I finally got a call back hours later. I spoke with an agent for 2 minutes and was told I would be transferred to someone else. It was another waiting cue for an additional 2 hours and 25 minutes. Its next to impossible to speak with someone and get answers. MY loan has been deferred for over a year. There was no missed payment and no payments due. My balance should have never increased or decreased.

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: TrueAccord Corp.
State: TX

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the account information. 

XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 2 issues with Equifax 1. Lenders can not view my report for whatever reason, which is preventing me from obtaining credit. if this isn't resolved in the next 5days I'll be sending this to a consumer lawyer to sue for damages.

2. XXXX is unable to pull data from Equifax so I'm able to view my tri-merge report and XXXX score.

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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted a dispute to Chex systems stating that I never opened an account with XXXX XXXX and my account was not updated, so I disputed this with XXXX XXXX Directly and I have provided the response from XXXX XXXX in this complaint and I expect to see my consumer report 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have submitted three dispute letters to Equifax regarding incorrect late payment history on my credit report. Along with my disputes, I provided a letter from the bank confirming the late payment was reported in error, and the bank also submitted a correction request on my behalf.

Despite sending this documentation via certified mail, the incorrect late payment remains on my credit report. Equifax has failed to properly investigate and correct this error, even with clear evidence from the creditor. This ongoing inaccuracy is negatively impacting my credit, and I am requesting immediate action to have this matter resolved. 

I ask that the CFPB review this issue and ensure Equifax complies with its obligation to investigate and correct inaccurate reporting.

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: PA

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 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: LEXISNEXIS
State: MD

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 explanation
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: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXXXXXX I had {$110.00} taken out of my Cash App account by an unknown person named XXXX XXXX, that I did not authorize. I was driving home from out of town I noticed. When I called Cash App to talk to them they looked into the issue, but did not refund my money. I had another attempt on the account for the same amount under the name of XXXX XXXX. The kept trying to load money from my account until it was successful. XXXX XXXX I had XXXX dollars taken from me again. XXXX XXXX an unauthorized person took money from my account. They wrote thanks for the delivery. However the payment was sent to them from me which I did not authorize. Through a spand of a few weeks there were multiple attempts on my account from XXXX XXXX XXXX, on my account. I had been receiving my employment checks through Cash App because it was all I had at the time. I have had multiple problems but did not know how to report it properly.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries XXXX MORTGAGE SERVICES in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 2025-01-29 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: NC

Complaint narrative:
Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries EQUIFAX MORTGAGE SERVICES in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) 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 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: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I did phone calls with American Express but do not recall specific dates. I felt like I was brushed off each time I asked wuestions or voiced my concerns ... especially when I requested for a review of my accounts. Please note that I was previously a victim of identity theft/fradulent behaviour in which someone illegally accessed my accounts and messed with what payment information I had on file/ tried to redirect/withdraw money ( from bank accounts ). This has happened to me also with my XXXX XXXX XXXX account, XXXX XXXX account, XXXX account, etc. They even possibly limited my XXXX and/or XXXX credit card line amount ( s ). I also believe that my credit scores were tampered with for all 3 agencies.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I was never late on this account. I have made all my payments on time. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account is reporting the wrong balance owed. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$76000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES XXXX : XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX on XX/XX/year> XXXX XXXX  on XX/XX/year> XXXX  on XX/XX/year> XXXXXXXX XXXX on XX/XX/year> EQUIFAX : XXXX XXXX XXXX  on XX/XX/year> These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I sent money from my zelle account and wasnt asked if that was the right person before I've asked to cancel funds before and wasnt able to get it back

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 

Sincerely, 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 2025-01-29 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: WA

Complaint narrative:
I didn't make these credit inquiries, I don't know where they came from on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX and I also didn't open an account in this bank XXXX XXXX XXXX BANK XXXX XX/XX/XXXX 2024

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 — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I make my Synchrony Bank Guitar Center XXXX XXXX credit card payment early every month well before the due date, and I pay much more than the minimum amount due. I generally make my payment at the end of the month for the following month, for example, I paid my XXXX bill on XX/XX/XXXX, and I paid {$110.00}. Synchrony bank informed me that I needed to make a payment in XXXX for that payment to count as a XXXX payment, so made another payment for XXXX on XX/XX/XXXX in the amount of {$100.00}, making it two payments in total for the billing period. Synchrony did not apply either payment for this billing cycle, they charged me a late fee of {$23.00}, and they caused me to get a 9-point reduction in on my credit score. After calling Synchrony, they informed me that I must make a payment between the XXXX and XXXX of the month for the payment to count towards the current billing period. It seems like Synchrony bank is punishing me with late fees and bad credit reporting for making my payment too early.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ) .Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

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

Complaint narrative:
I am writing to formally dispute an inaccurate late payment recently added to my credit report by XXXX and Transunion. 

account disputed for late payment : XXXX Bank account # XXXX XXXX XXXX xxxx they previously was reporting a late payment on another account and I disputed the inaccurate information, what they then did was remove one inaccurate disputed item and replace it with another inaccurate late payment an my report. 

After reviewing my credit report, I discovered that a late payment has been reported in error. I have never been late on this account, and I demand that this inaccuracy be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 et seq. ), you are required to ensure that all information reported is 100 % accurate, verifiable, and complete. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) You are required to investigate any disputed information within 30 days and correct or delete any information that can not be verified.

15 U.S.C. 1681e ( b ) You are obligated to maintain reasonable procedures to ensure the accuracy of information reported.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) A data furnisher may not report inaccurate information if they have reason to believe it is incorrect.

15 U.S.C. 1681s-2 ( b ) The information furnisher must investigate and provide proof that the late payment is accurate, or it must be deleted.

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