vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I cancelled this flight on XX/XX/year>. I have not received the refund as indicated on the screen shot, I took from the XXXX XXXX site, that started that I would receive a Refund of {$850.00} USD. - " I sent them I copy if this document ''. Why have I not received my refund? The credit card company- Barclays- is still trying to charge me for this. Now my credit score is being affected plus they are Charing me interest of the flight I cancelled. I have received info showing that XXXX agrees that I cancelled the flight and that I WAS NOT a No Show, that was their fault. I have been trying to resolve this issue now for several months and I keep getting the run around. I just what to know what I have to do, or who I need to contact to get this resolved. Please Help!! Thanks.

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: 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The following accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX jp Morgan chase Bank failed to safeguard the zelle network from fraud and other defects. I WOULD LIKE TO BE APART OF THE ACTION LAW SUIT.

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 — Old information reappears or never goes away
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Closed accounts of student loans still appear on my credit report the accounts are closed and over XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was promised no interest for 12 months, but did not receive this agreed upon interest rate. 

When I applied for the Dell/Comenity/Bread credit card XXXX XX/XX/year>, it advertised " No interest if paid in full within 12 months of purchases of {$790.00} or more ''. So I applied for this card and was accepted. I made a purchase over {$3000.00} on XXXX XX/XX/year> using this card on the vendor site ( Dell Outlet ). 

On XXXX XX/XX/year>, I received the card and the interest rate of 30.99 %. This is not what was agreed upon. 

On XXXX XX/XX/year>, after numerous calls and one chat with Dell, both Dell and Comenity claim that the other party is responsible for addressing this issue. 

Comenity/Bread said they will start a dispute but they said it takes months to resolve. 

Attached screenshot was taken XXXX XX/XX/year> but it does reflect similar or exact advertisement from XXXX XX/XX/year>.

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: IL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included 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 2025-02-13 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: IL

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 2025-02-13 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: AL

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting 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 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 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:
I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is being submitted personally, not through a third party, and requires your immediate attention. I never authorized these accounts or inquiries, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is the direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to dispute an incorrect charge-off from XXXX ( XXXX ) on my Experian credit report, but Experian is preventing me from submitting a dispute. The charge-off is being reported incorrectly, as it continues to show a past-due balance and new charge-off updates every month, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA guidelines, once an account is charged off, it can not continue to be reported as past due. Since Experian is blocking my ability to dispute this, I am filing this complaint to request that they accept my dispute and properly investigate the inaccurate reporting.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: 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: TX

Complaint narrative:
I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is being submitted personally, not through a third party, and requires your immediate attention. I never authorized these accounts or inquiries, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is the direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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 XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all 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 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: CBC Companies, Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
As the authorized representative for this consumer credit report the following ALLEGED DEBT on my credit file was reported without the proper investigation process including my confidentiality exposed and my rights to a clear and conspicuous disclosure of rights to opt out of transferring and selling my personal information without my written instructions to do so. This is a breach of my security, costing me 1.Higher Insurance Premiums 2.Higher Interest Rates 3. Denial Of Credit 4. Invading of privacy and denial of a Mortgage Loan.

According to 15 usc 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

1. How were the accounts verified without my consent? I never participated in the process of this information being furnished and ultimately invading my privacy and XXXX  my information increasing identity theft and breach of security.

2. I dont want the following alleged debt to infringe on my rights to privacy any longer. 

1. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) 3. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) Please be advised this is an invasion of individual privacy. 
I request the following Audit Trail 1. Ledger 2. All accounting documents 3. Account file 4. A disclosure that my information was going to be sold with my wet signature 5. Proof of Purchase 6. The origins of the funds used to create this alleged claim of a debt.

7. The master consumer 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 2025-02-13 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: MS

Complaint narrative:
As the authorized representative for this consumer credit report the following ALLEGED DEBT on my credit file was reported without the proper investigation process including my confidentiality exposed and my rights to a clear and conspicuous disclosure of rights to opt out of transferring and selling my personal information without my written instructions to do so. This is a breach of my security, costing me 1.Higher Insurance Premiums 2.Higher Interest Rates 3. Denial Of Credit 4. Invading of privacy and denial of a Mortgage Loan.

According to 15 usc 1681a ( e ) investigative consumer report ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

1. How were the accounts verified without my consent? I never participated in the process of this information being furnished and ultimately invading my privacy and XXXX  my information increasing identity theft and breach of security.

2. I dont want the following alleged debt to infringe on my rights to privacy any longer. 

1. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) 3. XXXX XXXX XXXX ( the account number is unknown because I was not informed ) Please be advised this is an invasion of individual privacy. 
I request the following Audit Trail 1. Ledger 2. All accounting documents 3. Account file 4. A disclosure that my information was going to be sold with my wet signature 5. Proof of Purchase 6. The origins of the funds used to create this alleged claim of a debt.

7. The master consumer 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 2025-02-13 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: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief