vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Experian , and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX  XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Charge Card | Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX | Type : Debt Buyer | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaints # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TN

Complaint narrative:
LJ ROSS ASSOC XXXX XXXX Amount {$540.00} Every time I call them, they transfer me to different companies. this is from XXXX XXXX XXXX. I have never lived at that address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IN

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 2025-02-05 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: Experian Information Solutions Inc.
State: IN

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 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 2025-02-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XX/XX/year>2025 Experian XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear experian credit bureau I am writing to formally dispute inaccurate information on my credit report that i belive is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently the consumer fonancial protection bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes citing " sham investigations '' and other unlawful practices. These practices are outline by the CFPB, include : Conducting inadequate investigations that fail to adress consumer disputes properly Reinserting previously disputed and inaccurate information without explination Failure to notify consumers about investigation results effectively These alligations highlight systemic issues that directly undermine consumers protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar 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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB 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 infeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had 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 2025-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC
State: WI

Complaint narrative:
I was given a speech over the phone that made it sound so good to be debt free. I was being bothered at my part time job from Credit 9 through phone calls pressuring me to sign the paperwork that they had sent to me through my e-mail. I only had a short time to sign. I replied to the e-mail I was at work and I did not have time to read what was sent to me. This needs to be done now and that I was making the right choice with them. Not knowing how Debt Settlements work, my credit dropped and now I'm trying to rebuild it. I'm a single person and support myself and I'm on XXXX. The due dates did not match my pay period and it was drawing my bank account over drawn. They divided the payment up in XXXX. {$280.00} every 2 weeks. I did call and speak with them on the phone that the payment due date doe 's not match up with my pay schedule and they were over drawing my account and I had to pay fee 's because of this. They did not care. They said paperwork was sighed. Remember I was being pressured to sign while I was at work. I made a few payments when I could but never caught up. I did call 2x month to Credit 9. it is In collections it is now. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Reference # XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my auto loan account with TD Auto Finance. It has come to my attention that my personal credit information has been improperly used and reported in connection with a loan that was applied for and intended solely under my business. 

At the time of the loan application, my understanding was that only my businesss EIN would be used to secure the loan, and my personal credit should not have been affected. However, I recently discovered that TD Auto Finance has reported this loan on my personal credit report, which is in direct violation of the intended application process and may constitute unauthorized use of my personal credit information. 

This misreporting has negatively impacted my personal credit, and I am requesting that TD Auto Finance take immediate corrective action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 am submitting this complaint to the CFPB to request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that you, Equifax, block the information on my credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes loans, a credit card, and other accounts from the following companies : Account # XXXX : XXXX-Account # XXXX with a bal. of {$320.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$1700.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$460.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$3000.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$910.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$5000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$17000.00} Account # XXXX : XXXX XXXX LL - Account # XXXX with a bal. of {$3200.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$2600.00} Account # XXXX : XXXX XXXX XXXX - Account # XXXX with a bal. of {$1300.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$9200.00} Account # XXXX : XXXX ( XXXX XXXX ) - Account # XXXX with a bal. of {$3200.00} Account # XXXX XXXX ( XXXX XXXX ) - Account # XXXX with a balance of {$130.00} These accounts have resulted in multiple hard inquiries and fraudulent collections showing up on my XXXX credit report. I do not recognize any of these accounts, collections, or hard inquiries, and none were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

To support my claim, I have attached a copy of my FTC Identity Theft Criminal Complaint ( Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are associated with identity theft, as verified by the U.S. Federal Trade Commission.

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 2025-02-05 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:
I am submitting this complaint to the CFPB to request, pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), that you, Equifax, block the information on my credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes loans, a credit card, and other accounts from the following companies : Account # XXXX : XXXX-Account # XXXX with a bal. of {$320.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$1700.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$460.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$3000.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$910.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$5000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$7000.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$17000.00} Account # XXXX : XXXX XXXX LL - Account # XXXX with a bal. of {$3200.00} Account # XXXX : XXXX XXXX - Account # XXXX with a bal. of {$2600.00} Account # XXXX : XXXX XXXX XXXX - Account # XXXX with a bal. of {$1300.00} Account # XXXX : XXXX - Account # XXXX with a bal. of {$9200.00} Account # XXXX : XXXX ( XXXX XXXX ) - Account # XXXX with a bal. of {$3200.00} Account # XXXX XXXX ( XXXX XXXX ) - Account # XXXX with a balance of {$130.00} These accounts have resulted in multiple hard inquiries and fraudulent collections showing up on my XXXX credit report. I do not recognize any of these accounts, collections, or hard inquiries, and none were opened, initiated, or authorized by me. They are entirely the result of identity theft and fraud. 

To support my claim, I have attached a copy of my FTC Identity Theft Criminal Complaint ( Complaint # XXXX ), which confirms that these accounts, collections, and hard inquiries are associated with identity theft, as verified by the U.S. Federal Trade Commission.

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 2025-02-05 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 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: MI

Complaint narrative:
Experian is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on Experian for failure to investigate as I'm a federally protected consumer. I will also be reporting both Experian and XXXX XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since Experian gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX  because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX XXXX pays Experian to report inaccurate information and Experian refused to give me a fair investigation for their financial gain.

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 2025-02-05 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: GA

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I submitted an application to change my Income Driven Payment plan on XX/XX/year>. The application went from XXXX to my loan servicer, EdFinancial. I received confirmation from EdFinancial that they received the application and it is showing as processing in their system. According to the FSA guidance to loan servicers, they are supposed to place accounts in a Processing Forbearance that counts towards PSLF progress while the application is being processed ( see website linked below and quote from website ). I have submitted multiple requests over email with EdFinancial to be placed in Processing Forbearance while my application is being processed. In my latest correspondence, they said the request was denied, and refuse to provide any explanation for why the request is denied. 

XXXX XXXX XXXX " If servicers need time to process a borrowers IDR application, servicers will move the borrower into a processing forbearance for up to 60 days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance that does provide IDR and PSLF credit. ''

Company response to consumer: Closed with explanation