vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXXBalance : XXXX XXXX/Opened : XX/XX/XXXXXXXX XXXX XXXX/Balance : XXXX XXXXOpened : XXXX XXXX XXXX XXXXBalance XXXX XXXX XXXX/Opened : XX/XX/XXXXXXXX XXXX XXXX/Balance : XXXX XXXXOpened : XX/XX/XXXX XXXX XXXX : $ XXXX/Opened XXXX XXXX XXXXy/Balance XXXX XXXX XXXX/Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXOpened : Unknown XXXX XXXXBalance : $ XXXXOpened : XX/XX/XXXX I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified , inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am requesting the names and business addresses of each individual you contacted for verification purposes.

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 2025-02-27 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: DC

Complaint narrative:
The persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score and credit worthiness.

My attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial assistance.

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 2025-02-27 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: DISCOVER BANK
State: DC

Complaint narrative:
The persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score and credit worthiness. 

My attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
Cash Time Title Loans XXXX XXXX XXXX XXXX, Arizona XXXX Subject : Dispute of Late Payment Request for Correction Dear Cash Time Title Loans, I am writing to formally dispute a late payment reported on my account XXXX due to improper application of my payment, in accordance with 15 U.S. Code 1666b of the Fair Credit Billing Act ( FCBA ). 
According to this federal law, a creditor must credit a payment on the date it is received, unless there are specific delays due to improper submission by the consumer. I made a payment on XX/XX/year>, which was processed under the guidelines set forth. However, despite timely submission, I was unfairly assessed a late fee and/or reported to credit bureaus for late payment. 
To resolve this matter, I respectfully request the following actions : XXXX. Immediate reversal of the late fee applied to my account. 
XXXX. Correction of any negative credit reporting related to this disputed late payment. 
XXXX. Written confirmation that my account is in good standing. 
I expect your prompt investigation and response to this matter within the required 30-day period under the Fair Credit Billing Act. If this issue is not resolved appropriately, I may escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) or other regulatory authorities.

Please provide written confirmation of the resolution at your earliest convenience. You may contact me at ( XXXX ) XXXX or XXXX for any further information. 
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 2025-02-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX of 2025 I sent 3 separate payments from my cash app account to another cash app account that was supposed to be payment for a vehicle I was purchasing as well as the delivery of that vehicle. The payments were in the amount of {$1000.00}, {$1700.00} and {$250.00} which came to a total of {$2900.00}. The individual I was purchasing the vehicle from was off of a XXXX XXXX ad and he kept in good contact for the rest of the afternoon as well as the following morning and early afternoon which was supposed to be the date of the delivery. That afternoon all responses to any text or calls stopped and the phone number was terminated. I have reached out to cash app because the account that I sent the funds to turned out to be an unverified account as well as having no contacts in common and in my opinion especially considering the large amounts definitely should have been flagged by security to intervene and prevent such scams as this. I have heard absolutely no response from cash app as of now and I submitted a few screenshots of the original ad as well but I have the entire conversation that day through text messages with the individual that I could also offer into evidence if needed. I am absolutely devastated financially by this incident as I have waited all year for these funds to be able to purchase a vehicle for my family and myself and now we have nothing and there seems to be absolutely nothing that I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX, XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Information Under 15 U.S. Code 1681o Dear Experian, I am writing to formally dispute inaccurate information on my credit report, which I obtained from your agency. The disputed item ( s ) are listed below : COLLECTIONS 1. XXXXXXXX XXXX-Account Number [ XXXX ] * Incorrect Information : DATE OPENED XX/XX/XXXX * PAST DUE AMOUNT : {$710.00} * THIS DEBT DOES NOT BELONG TO ME! I did not authorize for this account to be reported on my credit. 
* Correct Information : This Account Is not authorized by Me, nor do I have knowledge of this account. Please Remove it Immediately XXXX. XXXX XXXX ACCOUNT NUMBER- [ XXXX ] * Incorrect Information : DATE OPENED : XX/XX/XXXX - AMOUNT DUE : {$1500.00} * Correct information : This Account was not Authorized by me. I do not recognize this debt. XXXX. XXXX XXXX- ACCOUNT NUMBER- [ XXXX ] * Incorrect information : DATE OPENED : XX/XX/XXXX AMOUNT DUE : {$1500.00} * Correct information : This Account does not Belong on my report, it is not my account and I did not authorize for this account to be reported on my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o, credit reporting agencies are required to maintain accurate records and conduct reasonable investigations of consumer disputes. Your failure to ensure the accuracy of my credit report and correct these errors constitutes negligent noncompliance with the FCRA. 
I request that you promptly investigate this matter and correct or remove the inaccurate information. Please provide a written response confirming the results of your investigation within 30 days, as required by law. 
As evidence supporting my dispute, I have attached [ list any supporting documents, such as payment records, correspondence with the creditor, or identity theft reports ]. 
If this issue is not resolved, I am prepared to pursue my rights under the FCRA, including seeking damages for any harm caused by your agencys negligence. 
Please respond in writing to the address listed above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MI

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$2700.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$770.00} XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1200.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX with a balance of {$2000.00} XXXX XXXX XXXX - Opened XX/XX/XXXX with a balance of {$1700.00} There is also a fraudulent inquiry with : XXXX - Opened XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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 am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently obtained a copy of my credit report from TransUnion and discovered multiple fraudulent accounts that I did not open or authorize. I am a victim of identity theft, and I am formally disputing the following accounts as fraudulent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of these accounts from my credit file. Fraudulent Accounts Identified XXXX XXXX XXXX  Account Number : XXXX Status : Charged off, {$740.00} written off. XXXX XXXX XXXX Account Number : XXXX Status : Charged off, {$29000.00} written off. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$540.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$630.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$7500.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$8800.00} past due. XXXX XXXX XXXX Account Number : XXXX Status : Collection account, {$580.00} past due. XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$6400.00} past due. XXXX XXXX XXXX Account XXXX : XXXX XXXX : XXXX account, {$1100.00} past due. Legal Notice & Request for Account Removal As a victim of identity theft, I am asserting my rights under : FCRA 15 U.S.C. 1681c-2, which requires credit bureaus to block and remove FCRA 15 U.S.C. 1681i, which mandates the removal of unverifiable or inaccurate information. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, which prohibits fraudulent debt collection activities

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 2025-02-27 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Because they violated my rights and sold an account to another company that I do not have an agreement with This needs to be taken off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Security Credit Services, LLC
State: WI

Complaint narrative:
Because they violated my rights and sold an account to another company that I do not have an agreement with This needs to be taken off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Because they violated my rights and sold an account to another company that I do not have an agreement with This needs to be taken off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OH

Complaint narrative:
Regarding the wire transfer in the amount of {$730000.00}, sent on XXXX XXXX that was sent to XXXX XXXX XXXX XXXX from XXXX XXXX. 

On XX/XX/year>, the account holder, XXXX XXXX, at Bank of Oklahoma received a notification from the bank requesting that he speak directly with the banks attorney. It remains unclear whether this request pertains to a phone call or an in-person meeting. 

Previously, XXXX XXXX had requested proof of fraud from the bank regarding a wire transfer, but his requests were allegedly disregarded or ignored multiple times. This deviation from standard banking practices raises serious concerns. 

Banks are legally required to provide transparency in transactions, including furnishing evidence when fraud is alleged. Under U.S. banking laws and consumer protection statutes, denying a customer access to such information without justification could be a violation of due process and fair banking practices. The banks refusal to provide proof of fraud while simultaneously pressuring the account holder to meet with legal counsel could be interpreted as coerciona tactic that may be intended to intimidate or manipulate the account holder into compliance without proper justification. 

Coercion in financial matters can be considered a violation of consumer rights under laws such as the Fair Credit Billing Act ( FCBA ) and Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibit unfair, deceptive, or abusive acts or practices ( UDAAP ). Furthermore, if the bank is deliberately withholding evidence while exerting legal pressure, this could constitute bad faith dealing and potentially a violation of contractual and fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year> Coinbase.com submitted two fraudulent electronic transfer requests to XXXXXXXX XXXX in the amount of {$7500.00} which were processed and paid. Upon discovery of fraudulent charges XXXXXXXX XXXX was notified and returned funds, however refund was reversed following investigation with Coinbase.com who claim that since more than 60 days had elapsed, they were not liable for the fraudulent activity. Unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2025-02-27 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: SC

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