vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any 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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any 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 non-monetary relief
Consumer complaint received 2025-02-17 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: PR

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies in my personal information that require immediate correction. 

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. 
I request an immediate update to accurately reflect my legal identity. 
2. Address Update : My current residential address is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX. 
However, my credit report still reflects outdated and incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX, XXXX, PA XXXX Since outdated addresses can cause identity verification issues and potential fraud risks, I request that all previous addresses be removed and only my current address be retained. 
Supporting Documentation : To verify the accuracy of the information provided, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my updated contact number. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.

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 2025-02-18 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: LA

Complaint narrative:
The collection of information on this form is authorized by one or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity the! ) ; 1028A ( aggravated identity the! ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 53XXXX ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 
534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records )

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 2025-02-17 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: TX

Complaint narrative:
I was reviewing my credit report on XX/XX/year> and noticed many many inaccuracies on a closed account for XXXX XXXX Account # : ( XXXX ), the account recently closed in XXXX but is still reporting inaccuracies which is causing a detriment in my score and credit report. I was even given back my {$200.00} security deposit from when I started the secure credit card to my knowledge of good standing with the creditor. I have never missed a payment with XXXX XXXX, especially since the closing and now they are reporting inaccurate late payments, inaccurate reporting, and causing negative effects on my score. I would want nothing more than to remove this account from my credit report and stop reporting to my credit report.

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: CT

Complaint narrative:
Since XXXX i have hade there services i have always made payments on time. Over the years they have done XXXX limit decreases on my credit card up until XX/XX/XXXX have.The Problem is Discover looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I would appreciate assistance in resolving these matters to ensure my financial stability.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, a wire transfer of {$10000.00} USD was made from an account at XXXX XXXX  to a closed account at Bank of America under the name XXXX XXXX XXXX. The transfer was initiated by XXXX XXXX XXXX, without prior knowledge that the receiving account had been closed. 

Key details of the transaction : Amount : {$10000.00} USD Wire Reference Number : XXXX XXXX  Confirmation Number : XXXX Wire Transfer Identifier ( XXXX  ) : XXXX Transaction Reference Number : XXXX Both banks have provided conflicting information : XXXX Bank confirmed that the transfer was successfully completed, and the funds were sent to Bank of America . 
Bank of America initially indicated that the funds should have been returned to the originating account within 15 business days. However, as of today ( more than a month later ), the funds have not been refunded or deposited into the correct account. 
This situation is causing a significant financial inconvenience to both our client and us. We have contacted Bank of America multiple times, but we have not received a clear resolution. 

We kindly request the CFPBs assistance in investigating this issue and ensuring that the funds are either refunded to the original sender or redirected to the correct account.

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 2025-02-17 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: MI

Complaint narrative:
XXXX XXXX balance and payment is reporting incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MCMC Auto LTD
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Cease and Desist Communication Regarding Alleged Debt Dear XXXX XXXX XXXX XXXX  XXXX This letter serves as my formal request that you cease and desist all communication with me regarding the alleged debt referenced in your previous correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me regarding this matter. 

Please be advised that I dispute the validity of this alleged debt. If you claim that I owe this debt, I request that you provide written verification, including all relevant details such as the original creditors name, account number, and itemized statements that substantiate the amount claimed. 

From this date forward, you and your agency are prohibited from contacting me via phone, mail, email, or any other form of communication regarding this debt, except for the purposes allowed under the FDCPA, such as confirming that you will cease collection efforts or providing any legal action notification if applicable. 

Failure to comply with this request may result in legal action being taken against your agency for violating my rights under the FDCPA. I expect your immediate compliance and appreciate your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report per 15 USC 1666B ( a creditor may not treat a payment on a credit card as an open ended consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX -- Opened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: IL

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of records. This breach of confidentiality by the " Department of Government Efficiency '' is a violation of FERPA and the lenders responsibility to safeguard my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
I had a 1-year lease that expired in XX/XX/XXXX and became a month-to-month lease. On XX/XX/XXXX, I notified XXXX XXXX that I would be vacating the premise via letter which I did include. In addition, I included the text message between me and the property manager where I confirmed that I was vacating the premise on XX/XX/XXXX. 
On XX/XX/XXXX, I dropped of the keys to their lockbox and have not heard from XXXXXXXX XXXX until your company contacted me. Per my lease I needed to give notice to vacate and there for there is no debt between me and 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