vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Last night I received an unsolicited phone call informing me that a credit card with XXXX XXXX XXXXXXXX XXXX ( $ XXXX ) and XXXX XXXX XXXX  $ XXXX ) were established in XXXX using my social security number without my authorization XXXX. Apparently my SSN is public record because of violations to XXXX with regards to to paying interest rates with American Express and XXXX. After a phone transfer to XXXX XXXX XXXX, I was offered a Debt Validation Plan. I was hesitant to accept the plan because of phone transfers from banking institution to CFPB. It was apparent my data had been breached as I only confirmed information they already had at their disposal, Interestingly after hanging up, I received another call almost instantly from someone purporting to represent AmEx on an unauthorized charge of over $ XXXX and then another call from a XXXX representative to close my account because I didn't accept XXXX 's offer. He then reconnected me with XXXX rather than share the number for my follow-up. 
I was on the phone for an hour and a half an found the entire transaction suspicious. 
I first need my SSN frozen and then we can deal with the high interest rates as I have frozen both credit accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: MO

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint regarding a disputed account on my credit report, which is in blatant violation of the Fair Credit Reporting Act ( FCRA ). Despite paying off the account as part of a pay-to-delete agreement, the 3rd party collections agency has refused to remove it from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX XXXX. 
Account Details : Account Name : XXXX Account Number : XXXX Original Creditor : XXXX XXXX cards Account Type : Credit Card This account was supposed to be deleted as part of the pay-to-delete agreement. However, when I recently checked my credit report, the account was still listed and came back verified, which is inaccurate. This is a clear violation of Section 611 ( a ) of the FCRA, which requires that credit reporting agencies conduct a reasonable investigation of disputed information. 
Furthermore, the credit reporting agencies ' failure to delete the account after receiving notice of the pay-to-delete agreement is a violation of Section 623 ( a ) ( 1 ) of the FCRA, which requires that credit reporting agencies maintain reasonable procedures to ensure that obsolete information is not included in a consumer 's credit report. 
I demand that the CFPB take immediate action to : 1. Remove this account from my credit report with all three major credit bureaus. 
2. Investigate this matter further to ensure compliance with the FCRA. 
3. Take enforcement action against the credit reporting agencies and the 3rd party collections agency for their violations of the FCRA. 
I expect a prompt response and resolution to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

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 CFB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users very vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-26 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  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 2025-02-26 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX I requested a hardship through the Navy Federals portal online. It gave me a due date of XX/XX/XXXX. I called on XX/XX/XXXX asking why my account didn't reflect my hardship request. They apologized and asked what happened that I was off from work and I explained my brother just passed away, they said they understood and our condolences. Your account from XX/XX/XXXX to XX/XX/XXXX will be adjusted we apologize for the error and will defer your payments until XX/XX/XXXX at {$260.00}. At that point, I was not 30 days late and thought everything was okXXXX XX/XX/XXXX I got an alert that I had a XXXX  day late on XXXX and XXXX for XX/XX/XXXX and XXXX was showing a XXXX  day late for the same time period. I called in and they said it was their fault and would correct it. I disputed through the XXXX credit bureaus and it hasn't been resolved or updated. The notes say one thing when I contact Navy Federal about it but the collections department that handles the correspondence with XXXX credit bureaus hasn't corrected this issue at all. All XXXX bureaus said to me when I called in after the disputes is that Navy Federal has to correct on their end and let the XXXX bureaus know it's been corrected versus it saying verified as true when it's completely not true. This has caused my credit scores to plummet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit card — Store credit card
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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Someone took a loan out in my name in XX/XX/2023. They purchased an ATV and also took advantage of using a third-party vendor to finance some of the purchase. The atv is paid/closed out on my behalf but the TD BANK YARD CARD that they used isn't after tracking down the company. I filed a dispute with them. They don't have representatives that talk with you about fraud claims, you have to do everything via letter to the fraud team. Hey only speak with you when they are attempting to collect a date but once you explain your fraud case, they transfer you to an automated line. I explained to them in my letter that my identity was stolen by two peoples I suspected and had already filed police reports on them and that I didn't know anything about them and hadn't opened no account and had never received anything from them .They closed the account but they are still trying to collect this debt from me and or reporting to all three credit bureaus impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
You are obligated by law to maintain accurate consumer records. The incorrect addresses on my credit report are causing harm and must be removed immediately. Non-compliance will be considered negligence and may lead to legal action. I expect prompt confirmation of this correction.

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 2025-02-26 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: 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 2025-02-26 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:
Unauthorized Hard Credit Inquiries need to be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
Ive recently checked my credit report and noticed some inaccurate accounts reporting. I also see many different addresses that is not associated with me. My consumer report has so many inaccurate accounts that are not associated with me, I have called all debt collection agency that can't produce FACTS or documents to prove it was my account.

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 2025-02-26 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:
My credit report lists a XXXX XXXX account marked as " Payment after charge off/collection '' and closed. 
However, this debt was fully settled in XX/XX/year>, as evidenced by payment records and communications with XXXX. Despite this, the account continues to reflect a " charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable. On or around XXXX  XXXX, XXXX, I filed formal disputes with TransUnion and Equifax, submitting proof of payment, but the credit bureaus failed to correct the error, leaving the " charge off '' notation intact. 
This inaccurate reporting has significantly harmed my credit score and my ability to access fair credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
My credit report lists a XXXX XXXX account marked as " Payment after charge off/collection '' and closed. 
However, this debt was fully settled in XX/XX/year>, as evidenced by payment records and communications with XXXX. Despite this, the account continues to reflect a " charge off, '' which is inaccurate and violates the **Fair Credit Reporting Act ( FCRA ) **, as credit information must be both accurate and verifiable. On or around XXXX  XXXX, XXXX, I filed formal disputes with TransUnion and Equifax, submitting proof of payment, but the credit bureaus failed to correct the error, leaving the " charge off '' notation intact. 
This inaccurate reporting has significantly harmed my credit score and my ability to access fair credit terms.

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 2025-02-26 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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
Consumer complaint received 2025-02-26 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: TX

Complaint narrative:
I have multiple addresses with multiple different names on my credit report that are not mine. I have my name being reported as XXXX XXXX XXXX and XXXX XXXX across all 3 credit bureaus. My actual name is XXXX XXXX. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Any other address on my Oh my credit profile I would like to be removed because this is the only Ive just done. I have lived at

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 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 2025-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NV

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXXXXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my 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 non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Oliphant United, Inc.
State: MD

Complaint narrative:
Oliphant Financial , LLC has persistently sent daily harassing text messages and phone calls regarding a debt that I do not owe. I request the removal of this information from my credit report and demand that they cease all communication with me. In accordance with the legal requirements outlined in 12 CFR 1006.6 regarding communications related to debt collection, I formally ask that they stop contacting me.

Company response to consumer: Closed with explanation