vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the discrepancies my financial institution and Zelle failed to investigate. my claims adequately, they informed me that recovering lost funds was impossible, and the tracking these transactions was unfeasible The CFPBs findings indicates that Zelle has not only neglected neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Accountability and transparency is unacceptable and raise a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
These unauthorized agencies TransUnion, XXXX and XXXX are sharing and reporting my personal information without my wet ink signature and permission. This is identify theft and a violation of my privacy according to 15 U.S Code Section 1681 ( 4 ). In result of this I am requesting that all negative information be removed from all three Agencies within 4 days of receiving this consumer complaint. Thanks for your help in this process. 

Thank you, 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 2025-01-21 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: Velocity Portfolio Group
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, I received a call from someone stating they were attempting to collect a debt. I asked questions about the collection and was not familiar with any information provided.

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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One created a much higher rate Performance Account in XX/XX/year>, the same type account as my two lower rate accounts. Left me in the low interest accounts when I could have been earning a much higher rate. I called them XXXX and talked to two people at Capital One and they said I should have reviewed their accounts to see the rates, regularly. Would not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has prevented me to gain access to my free credit report via XXXX. Also Transunion will not allow me to initiate an online dispute. 

Transunion is penalizing me for initiating disputes. So this a dirty tactic.

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 2025-01-21 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Using XXXX and can't get money back. Or no confirmation of payments. I've seent over the years..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
I am locked out of my coinbase account. When I try to log in, it asks me to enter my authenticator number, but I do not have that. I have sent pictures of my ID three times, and each time they re-set my password, but I still do not have access because they continue to ask for authenticator, which I never set up. 

I emailed pictures of my ID on XX/XX/XXXXXXXX XXXXXX/XX/XXXX and one other time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
TRYING TO GET THIS COMPANY TO DELETE MY OLD DEBIT CARDS ON FILE. 
THEY WONT DO IT MY CREDIT Limit was {$490.00} -- -- -- XXXX they increase it to {$620.00} -- -- -- -- -- XXXX THE MONTLY PAYMENT WENT DOWN TO {$100.00} I DONT NEED A CREDIT LIMIT INCREASE I NEED THE MONTHLY PAYMENT TO GO DOWN I PAY TWICE A MONTH {$150.00} OR MORE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXX, XXXX XXXX {$440.00} Open Date XXXX XXXX, XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I recently received a letter from Milestone ( Concordia Credit ) stating that they are now going to charge a set up and maintenance fee for an annual cost of {$230.00} to be billed on a monthly basis of {$19.00}. The letter states that I have the right to opt out of this charge by calling them or writing to them. I called them today to advise them that I am not interested in paying this horribly high fee especially since I have already been billed my annual fee of {$49.00}. which is on my recent statement. 

The letter states that by rejecting this fee that there would be no other changes to my account with them. But, when I called them I was advised that by rejecting this high fee that I would be required to close my account. I have been an excellent customer of the credit card company. 

I am enclosing a copy of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Received a letter from IQ DATA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX about owing {$110.00} XXXX to my previous landlord. ( XXXX XXXXXXXX XXXX XXXX ) I went directly to the Landlord and was told that I actually only owed {$57.00} and that they will correct it with IQ XXXX. I contacted IQ for a new bill and instead it showed on all my credit reports as collection and still the wrong amount. I told them I am more than willing to pay the {$57.00} but they refuse to accept saying I owe {$110.00} which is not true at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have been making my payment on time but yet my balance is being reflected wrong on my credit report and its also showing late. Also showing months where payments where missed but I know I havent missed any payments since having my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle : s 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 that tracking these 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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, as provided by your agency. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct the following errors : Account/Entry Name : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX As per FCRA 15 USC 6802 , I understand that consumer reporting agencies are required to maintain accurate information and take appropriate steps to ensure that consumer reports are correct and up to date. I request that the inaccurate entry be corrected or removed as required under federal law. 
Additionally, under FCRA 15 USC 1681b, you are prohibited from reporting information without my consent unless there is a permissible purpose. I request that you ensure that this report was not obtained or shared improperly, and that any violations be rectified. 
Furthermore, in light of potential identity theft or fraudulent reporting, I refer to 18 USC 1028A, which mandates that any fraudulent use of personal information must be addressed and rectified immediately. If this entry was the result of identity theft or fraud, I request that the necessary steps be taken to investigate and remove the entry. 
Please provide me with written confirmation of your receipt of this dispute and the actions you plan to take. If your investigation confirms that this information is inaccurate, I request a prompt correction or removal of the disputed item ( s ) from my credit report. 
Under the FCRA, you are required to investigate my dispute within 30 days. If you are unable to resolve the issue within this timeframe, I expect to be notified in writing of the results of your investigation. 
Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-01-21 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: MA

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This company has alleged debt in the past without proper documentation, they knowing stole my social security # and took me to court for an debt that didn't exist. This company is furnishing information to consumer reporting agencies using stolen information from prier case. This case was won XX/XX/year>. Then XX/XX/year> a collection was put on all three agencies for this alleged debt I feel is retaliation for losing the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$91000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX, who was a co-tenant on the lease for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid all outstanding balances in the amount of {$3800.00}. This payment, as documented by the receipt, included rent, utilities, and lease settlement fees. The notice to vacate corroborates that no additional amounts were due upon our move-out on XXXX XXXX XXXX. 

After the property was sold to XXXX XXXX and renamed XXXX XXXX XXXX XXXXXXXX XXXX, I ( XXXX XXXX ) was contacted by Columbia Debt Recovery LLC, dba Genesis, claiming I owe {$1300.00}. Notably, the collection agency pursued me, despite the fact that XXXX XXXX, who made the final payment, was also listed on the lease. This discrepancy raises additional concerns about the handling of tenant accounts. 

When I contacted XXXX Partners to request clarification and documentation, their accounting team failed to provide an itemized breakdown of the alleged debt. When I inquired about the status of my unreturned security deposit, the accountant simply replied, " I don't know. '' This lack of communication and failure to provide evidence contradicts my records, which confirm all obligations were fulfilled, and my deposit should have been refunded. 

This issue does not appear to be isolated, as multiple complaints filed with the Better Business Bureau highlight similar concerns about unreturned deposits and unexplained charges during the property 's transition to XXXX Partners. The mishandling of tenant accounts has caused unnecessary stress and inconvenience for many.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$440.00} Open Date 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