vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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:
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 2025-01-27 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: MS

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 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 2025-01-27 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app 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 process was unfair and deceptive as they did not comply with errors 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-01-27 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: NC

Complaint narrative:
TransUnion is reporting false information on my credit report I will put a side-by-side comparison of other credit agencies showing that trans-Union violates my consumer rights XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are several errors and incorrect details on these accounts. i have one address one social that I will provide those other addresses are unavailable addresses I can not receive mail at

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
Equifax I would really most not to complain let alone need to. Sent by XXXX XXXX that went nowhere today received a letter claiming that I am not even in their system. I have already sent proofs requested at least twice. 
If email has XXXX XXXX  it has nothing to do with my given or legal name. Given to me by aXXXX XXXX  and XXXX XXXX. So email address is because it was given to me by XXXX XXXX and no not their legal name either in XXXX, however there have been typos and spelling errors lost wallet etc so if I just got certified Mail from record research and items missing added it is not okay. New Mexico is primarily XXXX XXXX but I have looked up that language barriers and firsthand by grandmother I have that XXXX I believe but in New Mexico raised not by neg parents but by neighbors. Coincidence but found grandmas family chief left during XXXX XXXX XXXX  likely next in line so with chief as witness XXXX. I looked up on XXXX XXXX XXXX and found that. Also have one tribe census number. But in New Mexico they do not by law put race on the birth certificate as a human rights law as well as why it is a little nicer nickname above than people known and unknown altering documents. Passport research I have to use in place of birth certificate reads right on it do not alter. Below it reads do not copy by any means which includes security cameras checked last week again so for altered documents I can still say XXXX given name and one legal name period reguardless if error or altered federal documents which I did just receive so why another letter you can not find me. If bank has it I do not need to be given additional paperwork requesting the same exact information as aeformentioned. Bad credit bureau if it was from you. Really unnecessary. I am working on getting a federal ID law by state I was born in place of the birth certificate otherwise I already gave you what was asked from me. Real id any state and passport card is not valid in place of the birth certificate. So no not happy. It apparently not only never was legal to copy but it is a felony. So otherwise appears that missing given and legal name is still being used. On record research why would I put a student college id and drivers license when the passport reads non driver. Not quite right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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 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 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CrossCheck, Inc.
State: TX

Complaint narrative:
I contacted this company, and they sold it to another agency who keeps reselling information that is not mine someone used my name to get some type of XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of 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 tracking these transactions was unfeasible.The CFPB 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I've had a credit card ( TD Cash ending in XXXX ) since at least XXXX. Attached is the oldest statement that TD Bank will provide for the card. I joined the XXXX, XXXX XXXX, in XXXX, XXXX. I reached out to TD Bank ( as well as other banks ) about applying the lower interest rate I'm entitled to under SCRA, in XX/XX/XXXX. 

There is no public email, address or phone to call to claim these benefits, send documents to, or anything of the sort. I called their costumer service line and they told me I needed to physically mail them a letter with my credit card information ( all the numbers ) as well as attach a copy of my orders. I did that, and it has been close to 13 months and the interest rate is still the same as it was before I joined the XXXX. 

I've attached a redacted copy of my letter to TD Bank, a copy of my orders, a Status Report from the official SCRA website, and my latest credit card statement from TD Bank showing the interest rate being at 24.49 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am writing to request a correction on my consumer credit report. Please delete off my credit history the following closed account that appears on my Experian report, it showing incorrect information, Thank you for your assistance. 

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX Original Balance ; {$750.00} Status ; paid, closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request a correction on my consumer credit report. Please delete off my credit history the following closed account that appears on my Experian report, it showing incorrect information, Thank you for your assistance. 

Account name : XXXX XXXX XXXX. 
Account number : XXXX Date opened XX/XX/XXXX XXXX XXXX ; {$750.00} Status ; paid, closed

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It has a account on my credit report that is stopping me from getting other things from my credit to pay it off also I see a lot of inquiries I never did

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

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. The consumer financial bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing on going harm to my credit standing. I'am requesting immediate corrective action to remove or amend the disputed account, as XXXX 's inaction violates federal law and my rights a s a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-01-28 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: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I put a freeze on my XXXX account due to fraud. During that freeze over 44 companies accessed my account for unlawful and fraudulent purposes. XXXX refused to verify a lawful purpose, ignored my credit report freeze, allowed my personal info to be given for unlawful purposes, refused to allow me to dispute the inaccurate information in my report online and refused to accept my dispute by telephone. I spoke with XXXX XXXX and a supervisor named XXXX XXXX. This occurred on XX/XX/year>2025.

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 2025-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio recovery agency has non stoped called and txted me morning evening and night. I have reached out to them to verify debt even tho the original credit sold debt and still shows balance on my credit. I have asked numerous times for a written statement showing that I owe this debt directly to them and not the original account and nothing. I have been repeatedly harassed and called every hour of the night from numerous numbers all saying portfolio recovery agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I am the victim of identity theft. I followed XXXX XXXX XXXX 's steps of dispute, and they still refuse to acknowledge the theft. As per their dispute letter, I mailed XXXX XXXX XXXX a police report, FTC report, a notarized ID theft report signed by a police officer, as well as a letter. I sent it XXXX XXXX XXXX, and tracking information showed me it arrived to them XXXX XXXX XXXX at the address they provided. Recently, on XXXX XXXX XXXX, I received another separate notice of dispute, with them stating that they still believe their records are accurate to their knowledge. They did not release all that I have asked for the account. I have reason to believe the address they gave me may not be legitimate or they have not properly reviewed the updated documentation.

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 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am writing to report an unauthorized loan application dated XX/XX/scrub> 2025, which I did not submit. It appears that someone has fraudulently used my personal information, including an old checking account I previously held with XXXX acct. And my former XXXX email address ( XXXX ). 

I want to make it clear that : I did not authorize this application, nor have I had any recent dealings with your organization. 
I no longer have access to the XXXX account referenced, as it has been closed for some time.

Company response to consumer: Closed with explanation