vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB, I am disputing a debt that appears on my credit report from XXXX XXXX XXXX, account number XXXX, XXXX accounts with same number. I do not recognize this debt and request full validation under the Fair Debt Collection Practices Act ( XXXX  ), XXXX XXXX. XXXX. 

I previously asked the debt collector to provide proper validation, but they have failed to do so. Therefore, I am filing this complaint to request the following : XXXX. Proof that this debt is valid and belongs to me XXXX. A breakdown of the original debt, including principal, interest, and fees XXXX. Documentation showing that XXXX XXXX has the legal right to collect this debt If they can not provide proper validation, I request that this account be removed from my credit report immediately per the Fair Credit Reporting Act ( XXXX  ). 

Thank you for your assistance. 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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
A charge ( {$580.00} ) was made by XXXX XXXX XXXX on XX/XX/XXXX on my Jet Blue Mastercard account. I got an immediate alert via email at XXXXXXXX XXXX same day. I then, immediately, at XXXXXXXX XXXX ( same day ) called Jet Blue and reported the charge as fraudulent. This phone call that I made to Jet Blue shows true on my XXXX bill details which I can provide. Jet Blue canceled my card and opened a fraud investigation. On XX/XX/XXXX I received an email stating that the charge was found not fraudulent and that I am responsible for the charge. On XXXX XXXX, I called Jet Blue again and asked them to investigate the charge a second time. On XX/XX/XXXX I got a notice that the charge was once again found not fraudulent. I asked that it be investigated a 3rd time and that Jet Blue send me all of the supporting paperwork in their investigation. They claim that XXXX XXXX XXXX has provided information proving that I am the person who purchased the tickets online, claiming that my name, address, phone number was provided during checkout. I opened an investigation through XXXX XXXX on XX/XX/XXXX, but it was denied by Barkleys Bank Delaware ( Jet Blue ) on XX/XX/XXXX. I have not received any supporting evidence from Jet Blue nor XXXX XXXX XXXX. I did not make this charge. My personal information was used fraudulently online. I reported the charge immediately after I was alerted. I do not know where else to turn to get this resolved. Please help me. I do not have this kind of money to be held responsible for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I 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 XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report, as they are the result of fraud or a data breach. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, so please review it carefully. I never authorized these actions, and their reporting violates my consumer rights under the Fair Credit Reporting Act ( XXXX  ) : Section XXXX ( XXXX U.S.C. XXXX ) Blocking of information related to fraud or data breaches. 
Section XXXX ( XXXX XXXX. XXXX ) Permissible purposes for accessing consumer reports. 
After contacting the reporting companies, I confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts or inquiries, they are inaccurate and must be removed. This unauthorized reporting by creditors or third-party data furnishers is unlawful. 

I request an immediate investigation and a written response confirming the removal of these fraudulent items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was tricked and according to XXXX XXXX XXXX XXXX - Frauds and swindles Allows me to sue up to {>= $1,000,000} or give up to XXXX  years in prison or both. 
I can also XXXX a XXXX Investigate and succeed to take your XXXX XXXX XXXX  as well for whatever dealership is involved. 
This begin on XX/XX/XXXX at signing. The securities fraud began. I fell behind on payments prettty tough XXXX and in XXXX they stole my property outside of my house in XXXX right before I gave birth to my baby. ( 15 USC 1692B, 15 USC 1692E, 15 USC 1692C ) After attempting debt collection with MANY calls emails and texts also letters stating they were trying to collect a debt, they would report me if I dont pay and they are an attorney not a debt collector. Which is very illegal and harassment. Made it public knowledge that I had got repoed. Against my privacy right. 
. They they sold my property for {$10000.00} and proceed to sue me for {$8200.00}. When I asked the alleged lawyer for original purchase agreement they could not provide me with it. Then said if I allow them to serve me I can have it. Oh did I mention they tried to electronically serve me thru XXXX legal on an email to my email XXXX, good thing I didnt insert my last XXXX of my social id like to mention how illegal that is trying to serve without filing arbitration because of the arbitration clause in contract. XXXX was the next thing I told them is that its very illegal to have sold or bought debt even to a trust. Not only are they attempting to fraudulently collect a debt but my securities have been stolen due to these transactions, they multiple financial institutions but with this one specifically I have traced my information has been traded and sold on the stock markets consistently since I signed promissory note with them. Run me all my coins. ARBITRATION ARBITRATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
Last year in XXXX while checking on my part B insurance, I was notified by the Social Security Administration that my identity had been compromised. Up until that point, I had not none that my identity had been used to obtain products and services for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I authorized one debit from my prepaid debit card to add cash to my cashapp card from Block for {$60.00} the funds was added at XXXX. I go to XXXX later to get some items and my prepaid card that shouldve had a balance of XXXX was now negative {$20.00}. Block dba Cashapp took money out my account without authorization from me again at XXXX for the same amount. Settlement just settled in XXXX cause of this companys negligence. This caused embarrassment and hardship for me. As I needed those funds for personal items and to get to work. Cause of block I have now gained a fee Im not supposed to and without my funds. Right now its a back & fourth between banks. They illegally withdrew money out my account. Without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have contacted All three credit agencies, Transunion, Equifax, and Experian regarding the Federal Credit Reporting Act and Permissible Cause Act. My rights has been violated and I asked that ALL negative content be removed from my credit reports immediately. I was compromised by each of these agencies breach of data and sharing my personal information among third party companies without my consent, verbally, nonverbal nor written.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
When reviewing my credit report this morning, I was surprised to see incorrect accounts that I did not expect. I check my report regularly, but these errors appeared out of nowhere. I even attempted to refresh my browser, thinking it was a minor glitch, but the inaccuracies persisted. Therefore, I request a careful examination of the documents I have sent to ensure this problem is fully resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I found that some accounts were mistakenly marked late. There should be no late payment remarks on these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AL

Complaint narrative:
As a result of a data breach, my personal information was exposed, leading to unauthorized accounts and credit inquiries being added to my credit report without my permission or knowledge. These accounts and inquiries were not made by me, yet they continue to appear on my report, negatively impacting my credit profile. Despite my attempts to address these discrepancies, they remain unresolved, causing serious concerns about the security of my personal data and the reliability of 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As a result of a data breach, my personal information was exposed, leading to unauthorized accounts and credit inquiries being added to my credit report without my permission or knowledge. These accounts and inquiries were not made by me, yet they continue to appear on my report, negatively impacting my credit profile. Despite my attempts to address these discrepancies, they remain unresolved, causing serious concerns about the security of my personal data and the reliability of 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXX XXXX : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This XXXX include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
XXXX Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This XXXX include emails, letters, or notes documenting your interactions with the creditor. 
XXXX Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
XXXX XXXX : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This XXXX include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( XXXX  ) and Equal Credit Opportunity Act ( XXXX  ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have not been able to send money are receive money at all I try to make a new account but can not get it to work

Company response to consumer: Closed with explanation