vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Blocking of Negative Information Under 15 U.S.C. 1681c-2 Dear Credit Bureaus, I am writing to formally request the blocking of certain negative information on my credit report pursuant to 15 U.S. Code 1681c-2, which governs the obligations of consumer reporting agencies regarding identity theft and inaccurate reporting. 

According to the statute, credit reporting agencies are required to block information that resulted from identity theft or other unauthorized transactions when a consumer provides the necessary documentation. I have identified the following negative items on my credit report that I believe are inaccurate or fraudulent : XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I am providing the following supporting documentation to validate my claim and request the immediate blocking of these accounts : A copy of my government-issued ID A copy of a police report or identity theft affidavit Any additional evidence demonstrating the fraudulent nature of the accounts I request that these items be blocked and removed from my credit report immediately, as required by law. Additionally, please provide me with written confirmation of the actions taken regarding this request. 

Failure to comply with this request may result in further legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please confirm receipt of this request and provide a response within the time frame established by the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
XXXX XXXX is listed on my credit report. I have never heard of them nor do I have any association or ties to that company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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:
The XXXX XXXX account currently reporting on my credit report resulted from identity theft and breach. Ive forwarded valid police reports as well as other documents validating my claim. The companies ignore the evidence and has not provided any payment receipts showing any payments from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A XXXX address and 2 XXXX addresses ( on XXXX XXXX and XXXX XXXX ) on my Experian report have zero association to me. I need them removed please,

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 2025-02-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card from Capital One and a Company named XXXX. I called Capital One several times and told them that I never had a credit card with them, also a company named XXXX. The year when these accounts were opened my job explained that our personal information was hacked and our personal information was compromised in XXXX or XXXX not sure but with XXXX XXXX XXXX. Now the debt collector is trying to collect a debt that over 25 years ago. Can someone please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not make these requests XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> these requests are not accurate and not mine I ask you to remove these requests from my credit history report, I applied to these companies but they did not help me, I have a report on data theftI 'll attach the reports

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 2025-02-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not make these requests XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> these requests are not accurate and not mine I ask you to remove these requests from my credit history report, I applied to these companies but they did not help me, I have a report on data theftI 'll attach the reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: Harris & Harris, Ltd.
State: TX

Complaint narrative:
The creditor still has not deleted the collection as agreed with all three credit bureaus. Please delete collections on XXXX and XXXX as agreed. Thank you! Payment was made for deletion and deletions still have not reflected. Please delete immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have never banked with this institution before, but they are nonetheless reporting early warnings about me. As a victim of identity theft, I suspect that this may be the root cause of the issue. Despite furnishing the necessary documentation to rectify the situation, the bank is still unwilling to remove this information from my consumer report. Therefore, I will be compelled to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-10 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My personal and financial information was compromised without my authorization. The family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Elon Musk ( DOGE ) is a third party vendor, meaning him gaining access to my personal and financial information is a direct and clear violation of FERPA policy, the Higher Education Act, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was traveling in the XXXX XXXX XXXX on personal holiday & researching schools for teen age daughter. Wells Fargo cancelled my emergence ViSA  card this past Friday for no good reason. I got the VISA card while at the XXXX XXXX 10 days ago & candidly it did not work as I hoped & I had plenty of credit on it. It didnt even work in the darn. 

Wells Fargo left me out to dry & in a Very BAD situation. Luckily, I have a bit of travel insurance. I want restitution of $ XXXX asap! I have all at attempted receipts to try to use the card. They said all my charges were fraud which was XXXX. I have all the declines.

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 2025-02-10 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:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible. 

Please confirm receipt of this request and provide an update on the status of the deletions at your earliest convenience.

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 2025-02-10 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:
XXXX is reporting a fraudulent account that has resulted from identity theft.They ignore the police report and identity theft reports validating my call to order.

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 2025-02-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
The company PNC banking was aware my card had been stolen and used for multiple XXXX  and I was never compensated or reimbursed also my account was closed out and I was facing homelessness due to this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: VA

Complaint narrative:
I am filing a formal complaint against TransUnion regarding the inaccurate reporting of a bankruptcy on my credit file and their failure to properly investigate and provide verification as required by law. 

I have submitted multiple requests for investigation and reinvestigation concerning the bankruptcy entry on my credit report. In an effort to confirm the legitimacy of this record, I recently contacted the United States Bankruptcy Court for the XXXX XXXX of Virginia in XXXX, VA. The court provided me with an official letter stating that they do not verify bankruptcies for credit reporting purposes. Despite this, TransUnion continues to report the bankruptcy on my file without sufficient verification. 

I have made the following requests to TransUnion, which remain unaddressed : Requested the specific documents and procedures used to verify the bankruptcy on two separate occasions TransUnion has failed to provide any response. 
Requested the name and contact information of the entity or person TransUnion used to verify this bankruptcy This request has been ignored. 
Under FCRA 15 U.S.C. 1681g, I am legally entitled to receive the exact method of verification used to confirm this bankruptcy entry. If TransUnion can not provide sufficient evidence to substantiate the accuracy of this information or details regarding the verification process, I demand that this entry be removed from my credit report immediately.

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 2025-02-10 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 am filing a formal complaint against TransUnion regarding the inaccurate reporting of a bankruptcy on my credit file and their failure to properly investigate and provide verification as required by law. 

I have submitted multiple requests for investigation and reinvestigation concerning the bankruptcy entry on my credit report. In an effort to confirm the legitimacy of this record, I recently contacted the United States Bankruptcy Court for the XXXX XXXX of Virginia in XXXX, VA. The court provided me with an official letter stating that they do not verify bankruptcies for credit reporting purposes. Despite this, TransUnion continues to report the bankruptcy on my file without sufficient verification. 

I have made the following requests to TransUnion, which remain unaddressed : Requested the specific documents and procedures used to verify the bankruptcy on two separate occasions TransUnion has failed to provide any response. 
Requested the name and contact information of the entity or person TransUnion used to verify this bankruptcy This request has been ignored. 
Under FCRA 15 U.S.C. 1681g, I am legally entitled to receive the exact method of verification used to confirm this bankruptcy entry. If TransUnion can not provide sufficient evidence to substantiate the accuracy of this information or details regarding the verification process, I demand that this entry be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I am writing to formally expressing my concerns regrading Zelles handling of disputes, in light of cfpb lawsuit that highlights significant issues with its platform, Ive reported several discrepancies that Zelle failed to investigate my claims properly. They acted as if recovering lost funds were impossible to track and were infeasible, cfpb have found that Zelle has not protected consumers and have allowed repeat offenders to exploit their system leaving myself and others vulnerable for scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
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. The lack of accountability and transparency is unacceptable and rises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
The only address on my credit report should be XXXX XXXX XXXX XXXX NC XXXX. The only phone number should be 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