vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
On XX/XX/year> I was scammed by a " fake ticket '' seller. They requested that I send them funds via Zelle using the name " XXXX XXXX '' and email " XXXX ''. Within XXXX minutes it became clear the seller was not going to provide the concert tickets to me and I reported the fraudulent transaction to my bank ( XXXX ) who immediately contacted Zelle. 

Now look, I understand sending funds to someone I don't know can come with risks and I did some due diligence and accepted the risk this might be a scammer, but I work in XXXX XXXX XXXXXXXX for financial products and I KNOW that these types of scams happen at scale and can be prevented by the platform. Companies like XXXX ( XXXX ) and XXXX ( XXXX ) accept customer complaints, track users who might receive too many, and also can XXXX  funds/close accounts if the user reports the fraud fast enough with good documentation. Zelle refused to provide my bank with any information or recourse about the recipient, who is required to have a valid XXXX XXXX  Account. Why can't they provide me the recipients bank information so I can go to small claims? Why can't Zelle contact the recipient bank for accounts that appear to be fake? Why can't Zelle do a better job tracking these complaints, especially very fast ones so they can XXXX XXXX funds. I realize there can be abuse going both ways- but there must be a better method for tracking and providing information/dispute resolutions on its network. It can not just take ZERO responsibility to the fraud that occurs on it's platform. That seems unacceptable to me and the fact it's used by so many institutions and is a regulated platform makes me think they need to step up. 

In this particular case it's very obvious there are XXXX scenarios : XXXX ) The Zelle recipient uses their real information and scams everyone with the same account. In such a case, Zelle should provide me with that person 's information so I can take personal recourse ( e.g. small claims ). 

XXXX ) The Zelle recipient is opening fake bank accounts with false information and doing this at scale. In such a case, Zelle needs to alert the financial institutions, try to claw back funds/close accounts, or do a better job preventing their Zelle onboarding XXXX 

Zelle needs to do more this is not acceptable for a platform this large.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXXXXXX XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: CA

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights. 
XXXX XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES MY CONSUMER RIGHTS. 

XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, REASON : I DO NOT RECOGNIZE THIS ACCOUNT, IT HAS ERRORS AND INACCURACY. INSTRUCTION : VERIFY IT AND DELETE IT IMMEDIATELY, IT VIOLATES 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 2024-08-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Notice of Dispute Demand for Deletion of Inaccurate Charge-Off Reporting Dear Navy Federal Credit Union , I am writing to formally dispute the accuracy of a charge-off that is being reported on my credit report in connection with my account [ Account Number : XXXX ] held with Navy Federal Credit Union. 
Upon reviewing my credit report, I noticed that the charge-off is being reported inaccurately. The details of the reporting do not align with my payment history or the terms of my agreement with Navy Federal Credit Union. This inaccurate reporting is having a negative impact on my credit score and my financial well-being. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Therefore, I demand the immediate deletion of this inaccurate charge-off from my credit report. 
I expect Navy Federal Credit Union to take swift action to delete this erroneous entry from my credit file and to provide written confirmation that this action has been completed. 
I appreciate your prompt attention to this matter and look forward to your timely response. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Possible Financial Inc
State: SC

Complaint narrative:
Dear POSSIBLEFINA, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that POSSIBLEFINA has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information.

I assert unequivocally that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws. 

I demand that POSSIBLEFINA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws. 

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a XXXX balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.

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 2024-08-15 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-08-15 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: HW Holding, Inc
State: SC

Complaint narrative:
Dear HWARFIELD, I am writing to address a serious issue concerning the unauthorized reporting of information to my credit report. This violation contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as South Carolina state laws governing credit reporting and identity theft.

It has come to my attention that HWARFIELD has reported information to my credit report without my explicit consent. Federal law, as outlined in the FCRA, requires that any credit reporting activities must be conducted with the consumers explicit permission as per Section 1681b ( a ) ( 2 ).

In addition to federal law, South Carolina state law mandates similar protections. South Carolina Code Section 37-20-80 requires consent from the consumer for credit reporting. Moreover, South Carolina Code Section 16-13-510 addresses identity theft, emphasizing the severity of unauthorized access and misuse of personal information.

I assert unequivocally that I have not provided consent for HWARFIELD to report any information to my credit report. This lack of authorization constitutes a violation of my rights and has the potential to damage my creditworthiness, disregarding both federal and South Carolina state laws.

I demand that HWARFIELD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, in compliance with Section 1681b ( a ) ( 2 ) of the FCRA and South Carolina state laws including Sections 37-20-80 and 16-13-510. Failure to address this issue within the next 30 days will be considered willful noncompliance and could result in legal action and penalties under applicable laws.

Please understand that obtaining consent is not optional but a legal requirement under the FCRA and South Carolina state regulations. This is a formal demand for compliance to ensure that my consumer rights are protected. 

I expect your prompt attention to this matter and anticipate a swift resolution to rectify these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TN

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diamond Funding Corporation
State: MO

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX 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 XXXX Date open XX/XX/year> {$13000.00} Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX This account has 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 in question as well as a copy of the consumer XXXX  credit report maintained by you which shows 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 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 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: Untimely response
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX {$180.00} showing 90 days late I am disputing this item. 
According to FRCA Section 605 B It is illegal to report information on my credit report with my permission. Thank you Please remove this 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 2024-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
A family member put my number down as a reference for her loan. I have already advised the finance company for them to stop calling since I am only a reference and they call me everyday. They tell me that they can not stop calling me till my family member calls to remove me as a reference. I work in a finance company as well and I know that is not true. Please I have exhausted all I can do to make them remove me from calling me but they seem not to care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: Kikoff Inc.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), also known as 15 U.S.C. 1681 et seq., is a federal law that regulates how credit reporting agencies ( CRAs ) handle consumer credit report records. The FCRA 's goal is to protect the privacy and integrity of personal information, and to ensure that CRAs are fair, accurate, and confidential. The FCRA also gives consumers the right to access and correct any inaccuracies in their credit reports, and provides legal remedies if their rights are violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: GA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-08-15 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: KY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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