vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
TransUnion has failed to correct an ongoing error in my payment history, despite multiple disputes. This inaccuracy has persisted for far too long, and I am demanding immediate action. Upon reviewing my credit report, I found that my payment history for the following accountsXXXX  ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX  ( XXXX ) has been misreported by TransUnion, while XXXX has accurately reflected the correct payment history. This discrepancy is unacceptable and is causing unjust harm to my credit profile. By continuing to report incorrect payment history, TransUnion is violating its legal obligation under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I have disputed this issue multiple times, yet TransUnion has repeatedly failed to take corrective action, which now constitutes willful noncompliance under 15 USC 1681n. Furthermore, TransUnions refusal to investigate and correct these errors is a direct violation of 15 USC 1681i, which requires credit bureaus to conduct a reasonable investigation and fix inaccuracies. At this point, it is clear that TransUnion is ignoring its responsibilities under federal law. I am demanding that TransUnion immediately update my payment status to reflect " Paid or Paying as Agreed, '' as accurately reported by XXXX. There is no excuse for this continued misreporting, and I expect this matter to be resolved without further delays. If this issue is not corrected promptly, I will escalate this matter further to ensure compliance with federal regulations and protect my rights. I expect written confirmation once the correction has been made.

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 2025-02-13 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: Velocity Portfolio Group
State: CA

Complaint narrative:
to whom this may concern I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status Furthermore, the IRS has directed me to file Form 3949A for illegal tax violations upon your company to resolve this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/year>, I received a {$33.00} overdraft charge to my First Tech FCU checking account ending in XXXX for a withdraw to my XXXX account to partially fund my IRA. My complaint is that XXXX ) I had enough money to cover this withdraw already in my checking account which was transferred from my Savings account on the same day, so I should not have received this overdraft charge. And XXXX ) I had overdraft protection enabled. First Tech responded to my inquiry and let me know that I did not have overdraft protection enabled even though I am 100 % certain that I turned it on a long time ago. First Tech needs to correct this immediately by refunding me the {$33.00}.

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 monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX, XXXX  XXXX XXXX Experian 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 Re XXXX Removal of XXXX XXXX Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, Experian, & XXXX credit report. 

In XX/XX/XXXX, I contacted XXXX XXXX to remove my account from their system & contact : XXXX, Experian, and XXXX requesting my credit file be deleted from their system. According to XXXX XXXX, they can not locate my account. Additionally, I this account has been closed since 2018. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments.

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed XXXX XXXX XXXX XXXX ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing XXXX XXXX XXXX XXXX from my credit report and/or your database. ( see attached exhibit A ) See attached documents

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

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 XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Re XXXX Removal of XXXX XXXX Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, XXXX, & Equifax credit report. 

In XX/XX/XXXX, I contacted XXXX XXXX to remove my account from their system & contact : XXXX, XXXX, and Equifax requesting my credit file be deleted from their system. According to XXXX XXXX, they can not locate my account. Additionally, I this account has been closed since 2018. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments.

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed XXXX XXXX XXXX XXXX ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing XXXX XXXX XXXX XXXX from my credit report and/or your database. ( see attached exhibit A ) See attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
I discovered multiple fraudulent accounts and inquiries on my TransUnion credit report that I did not open, authorize, or have any knowledge of. These fraudulent items include : Fraudulent Accounts : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX Inquiry Date : XX/XX/year> Upon discovering these fraudulent items, I immediately filed a dispute with TransUnion and provided the following supporting documentation : A copy of my drivers license for identity verification A copy of a recent utility bill verifying my address A copy of my FTC Identity Theft Report ( XXXX ) Despite my formal dispute, TransUnion has failed to take corrective action by either not removing these fraudulent accounts or failing to properly investigate the matter within the legally required timeframe. 

TransUnions Violations TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) for : Failing to properly investigate my dispute within 30 days Neglecting to remove fraudulent accounts despite clear evidence of identity theft Allowing fraudulent inquiries to remain on my credit report, impacting my ability to secure credit

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 2025-02-13 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: GA

Complaint narrative:
I discovered multiple fraudulent accounts and inquiries on my TransUnion credit report that I did not open, authorize, or have any knowledge of. These fraudulent items include : Fraudulent Accounts : XXXX XXXX XXXX I Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Inquiries : XXXX  XXXX XXXX Inquiry Date : XX/XX/year> XXXX  XXXX Inquiry Date : XX/XX/year> Upon discovering these fraudulent items, I immediately filed a dispute with TransUnion and provided the following supporting documentation : A copy of my drivers license for identity verification A copy of a recent utility bill verifying my address A copy of my FTC Identity Theft Report ( XXXX ) Despite my formal dispute, TransUnion has failed to take corrective action by either not removing these fraudulent accounts or failing to properly investigate the matter within the legally required timeframe. 

TransUnions Violations TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ) for : Failing to properly investigate my dispute within 30 days Neglecting to remove fraudulent accounts despite clear evidence of identity theft Allowing fraudulent inquiries to remain on my credit report, impacting my ability to secure credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
All three credit bureau or reporting miss information nonmailable addresses old phone numbers.I have and contact all three credit bureau to remove those addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
All three credit bureau or reporting miss information nonmailable addresses old phone numbers.I have and contact all three credit bureau to remove those addresses and phone numbers.

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 2025-02-13 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report. The credit score reported on my XXXX credit report from Experian states a score of XXXX ( poor ), while the Experian website displays my credit score as XXXX ( fair ). This discrepancy is both incorrect and misleading, and it is negatively impacting my ability to secure financing for an automobile purchase.

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 2025-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
The school has been found fraudulent for predatory lending. The loan should have been wiped away due to predatory XXXX tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: KS

Complaint narrative:
I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.

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 2025-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
XX/XX/year> problems : 1-Automated service doesnt recognize my SS number and/ or Account number. 
2-Spoke to two agents and was disconnected- waited for call backs with no result.

3-Spoke to a third agent about eliminating PMI and she again was unable to find my account until I provided my SS number. She put me in hold and XXXX minutes later she informed me that her supervisor was not available and there was no one with the proper license to speak to me about eliminating PMI. She warned me a call back can take about XXXX hours. 
Horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: VA

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian shows that I lifted the freeze on my file to allow my credit to be run, but my file is still frozen. This has happened on and off in the past and is now seems to be a permanent issue. I have the emails and screen shots from Experian showing that my credit report freeze was lifted, but the potential creditors are telling me otherwise. This is frustrating to say the least, but then when you call them to resolve it, they refuse to let you speak to a live person and they keep you in an endless loop of an unhelpful AI agent to avoid solving the problem. This seems to be a widespread issue as other people post about it on social media. I also see that the CFPB went after XXXX for the same issue in XXXX  XXXX  XXXX article. I guess Experian is now starting to do this. Please help.

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 2025-02-13 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:
XXXXm reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
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 2025-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Wrongful repossession XX/XX/XXXX of auto used for commute to work/home, this occurred UNpeacably from private gated property *after* Lender Vystar mishandled withholding of FEMA-Milton fees and deferment impact by Vystar whose chat XX/XX/XXXX offered deferment XXXX loans and payplans, which consumer complied fully with. Account address in a FEMA-declared disaster zone, with impact. 
Instead of complying Vystar gave no response and increased collection activity and fees. My official hardship application went unresponded to. 
Vystar refused to acknowledge ADA request to communicate by text, chat, email or letter. Then refused to speak on phone with calls made to Vystar XXXX XXXX through XX/XX/XXXX the day of reposession. Vystar withheld redemption amounts. Vystar retained consumer-owned rear camera from car and other items & organized to sell within 7 business days of wrongful repo without providing redemption amounts.

Consumer 's online account did not show what was owed and was not kept updated with 2 payments {$1100.00} cleared to Vystar XX/XX/XXXX and XX/XX/XXXX almost 3 months paid. Deferment and FEMA practices were bypassed by the lender and prior efforts to involve XXXX and CFPB, Vystar gave DISinformation that more time was needed to respond to escalation, whereas in fact increased efforts to unlawfully repossess while not responding to all consumer contact.

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 2025-02-13 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: FL

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit by the CFPB, which exposed serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my financial institution nor Zelle took sufficient steps to investigate my claims. I was told that recovering the lost funds was impossible and that tracking these transactions wasn't an option. The CFPB 's findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation