vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
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  Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Management, Inc
State: SD

Complaint narrative:
Accounts Management XXXX XXXX XXXX XXXXXXXX XXXX SD ( XXXX ) XXXX attempted to serve me paperwork for small claims today by walking around the back of my house and looking in my kitchen window. I have it on my ring camera. I have no trespassing signs posted. I have a dog who was very visibly upset by a stranger at my back window. Please communicate to this company they do not illegally trespass on someones property to serve papers when there is a front door they could knock on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Received a call that appeared as my bank. The person said they were with the banks fraud detection service and that they noticed a potentially fraudulent transfer via Zelle. They knew my name and last 2 digits to account number. Asked appropriate questions to verify who I was. Gave me a case number and told me I was being transferred to a Zelle representative. The Zelle representative walked me through steps to resolve the issue and stop payment, which actually triggered the payment from me to an unknown account. Phone numbers associated with the scam are XXXX ( XXXX ) XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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 2025-02-12 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding the unfair and abusive practices of credit reporting agencies in their handling of consumer credit data. My concerns are as follows : 1. Delayed Reporting of Payments While negative transactions such as balances and late payments are reported almost instantaneously, payments made to credit accounts take an excessive amount of timeoften more than a monthto reflect on consumer credit reports. This practice unfairly distorts creditworthiness and creates unnecessary financial stress.

2. Disproportionate Impact on Credit Scores The credit scoring system is excessively punitive. A single minor infraction, such as a slightly increased balance or a one-time late payment, can result in a drastic drop of up to XXXX points, significantly hindering access to credit. In contrast, recovering lost points is a slow and difficult process, making it unjustifiably challenging for consumers to maintain strong credit profiles. 

These practices create undue hardship for consumers and seem designed to benefit lenders at the expense of fairness and accuracy. I urge the Consumer Financial Protection Bureau to investigate these systemic issues and implement regulatory measures to ensure timely reporting of payments and a more equitable scoring model that does not disproportionately penalize consumers for minor infractions. 

I request a formal response outlining the actions that will be taken to address these concerns. Please feel free to contact me at your earliest convenience should you require additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding the unfair and abusive practices of credit reporting agencies in their handling of consumer credit data. My concerns are as follows : 1. Delayed Reporting of Payments While negative transactions such as balances and late payments are reported almost instantaneously, payments made to credit accounts take an excessive amount of timeoften more than a monthto reflect on consumer credit reports. This practice unfairly distorts creditworthiness and creates unnecessary financial stress.

2. Disproportionate Impact on Credit Scores The credit scoring system is excessively punitive. A single minor infraction, such as a slightly increased balance or a one-time late payment, can result in a drastic drop of up to XXXX points, significantly hindering access to credit. In contrast, recovering lost points is a slow and difficult process, making it unjustifiably challenging for consumers to maintain strong credit profiles. 

These practices create undue hardship for consumers and seem designed to benefit lenders at the expense of fairness and accuracy. I urge the Consumer Financial Protection Bureau to investigate these systemic issues and implement regulatory measures to ensure timely reporting of payments and a more equitable scoring model that does not disproportionately penalize consumers for minor infractions. 

I request a formal response outlining the actions that will be taken to address these concerns. Please feel free to contact me at your earliest convenience should you require additional information.

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 2025-02-12 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: IL

Complaint narrative:
I would like this inaccurate information to be deleted and corrected as soon as possible as it is also affecting my Fico scores. 
Accounts opened by fraud : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX, {$10000.00} XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX, {$46000.00} XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$78000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$2100.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$0.00} Fraudulent inquires- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
My money was spent and sent off my card I didnt authorized and I was put at fault by zelle and the bank .my account was close due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) regions bank balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I called Amex customer service on XX/XX/XXXX to ask whether i will get the welcome offer for my amex gold card ( XXXX rewards points XXXX $ restaurant credit upon using the XXXX $ in XXXX ) and the representative said yes. 
I called the second representative on XXXX XXXX and he said you should get welcome bonus point if a representative said yes on the call and filed a internal case with Amex. The third representative was rude and he hang up the phone. Now they are declining saying you won't get any welcome bonus rewards point as you are ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Started when Covid 1st hit XXXX XXXX closed both accounts never late or miss a payment. XXXX XXXX XXXX XXXX same thing told me experian had them closed. I stated I pay YALL not the credit experian. XXXX XXXX, XXXX, allowed them too drop limit every time I pay it down dont have none available. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, allowed them too do the same thing. XXXX had never been late or missed a payment closed it but gave me another one. Paying old one never been late or missed a payment closed it. XXXX XXXX XXXX  got me passed due and the program they put me in gave an affordable payment when time to make it was the same high payment with very high interest. XXXX never been late or missed a payment and experian had them close my card. I have a very poor credit score due to the action wont removed the account that I put in dispute from Covid job was down 6 months. I just did a dispute and Experian steel left all that mess on there. Please help us please. They destroyed our credit we can purchase nothing. My score. 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 2025-02-12 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I was also apart of the us citizens that has been exposed. The FCRA or There goes Fair Credit Reporting Act ( FCRA ) : Regulates how credit reporting agencies collect, share, and use consumer report data Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from being harassed or deceived by third-party debt collectors Truth in Lending Act ( TILA ) : Protects consumers against inaccurate and unfair credit billing and credit card practices Fair Credit Billing Act ( FCBA ) : Enables individuals to dispute unauthorized charges on their accounts Children 's Online Privacy Protection Act ( COPPA ) : Protects the privacy of children. According for the FCRA ACT YALL AHVE TO FIX MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have XXXX closed accounts on my credit report and I want them deleted off my credit report. 

XXXX. XXXXXXXX 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 PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have XXXX closed accounts on my credit report and I want them deleted off my credit report. 

XXXX. XXXXXXXX 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 PLEASE DELETE

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 2025-02-12 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filling a complaint against cashapp ( block, inc.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 measurement to prevent and address fraud on their platform leaving my account vulnerable and unprotected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian 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 Protection Bureau XXXX ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action yo remove or amend the disputed accounts l, as XXXX XXXX inaction violates XXXX XXXX and my rights 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 explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am seeking help to investigate accounts from companies that are inaccurately reporting late payments. Upon reviewing my credit report, I noticed incorrect late payment marks on certain accounts. These accounts should not have 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 non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
FCRA Section 605B ( a ) mandates that credit reporting agencies remove all data indicated by consumers as associated with potential erroneous activity within XXXX business days upon receiving such identification. 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 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 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX, have violated my rights by unlawful communication, please remove this collection off my credit report thank you.

Company response to consumer: Closed with explanation