vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app taking money @ when I call they sen me to a recording mach @ i keep calling back getting the same thing from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I am writing to formally dispute the following accounts that appear on my credit report. These accounts contain inaccurate, unverifiable, and potentially fraudulent information. Furthermore, I have reason to believe that my personal data may have been compromised in a data breach, leading to unauthorized reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am demanding an immediate investigation and removal of these items from my credit file. 

The disputed accounts are as follows : 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 XXXXXXXX The FCRA mandates that all reported information be 100 % accurate, verifiable, and timely. If you can not provide documented proof that these accounts are valid, authorized, and accurately reported, they must be deleted immediately from my credit report. Additionally, if these accounts resulted from unauthorized access due to a data breach, this constitutes a violation of my rights and privacy.If these inaccurate accounts are not removed immediately, I will have no choice but to pursue legal action for violations of the FCRA and any other applicable consumer protection laws. I will also seek damages for the harm caused by these inaccurate and potentially fraudulent entries.I have attached copies of my identification and any relevant supporting documents for your review. As required by the FCRA, you have 30 days to complete your investigation and provide me with written confirmation of the removal of these accounts.Please direct all correspondence regarding this matter to my mailing address listed above. Failure to comply will leave me with no alternative but to escalate this matter legally.Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I am writing to formally dispute the following accounts that appear on my credit report. These accounts contain inaccurate, unverifiable, and potentially fraudulent information. Furthermore, I have reason to believe that my personal data may have been compromised in a data breach, leading to unauthorized reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am demanding an immediate investigation and removal of these items from my credit file. 

The disputed accounts are as follows : 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 XXXXXXXX The FCRA mandates that all reported information be 100 % accurate, verifiable, and timely. If you can not provide documented proof that these accounts are valid, authorized, and accurately reported, they must be deleted immediately from my credit report. Additionally, if these accounts resulted from unauthorized access due to a data breach, this constitutes a violation of my rights and privacy.If these inaccurate accounts are not removed immediately, I will have no choice but to pursue legal action for violations of the FCRA and any other applicable consumer protection laws. I will also seek damages for the harm caused by these inaccurate and potentially fraudulent entries.I have attached copies of my identification and any relevant supporting documents for your review. As required by the FCRA, you have 30 days to complete your investigation and provide me with written confirmation of the removal of these accounts.Please direct all correspondence regarding this matter to my mailing address listed above. Failure to comply will leave me with no alternative but to escalate this matter legally.Sincerely,

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 that reversing the lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX, XXXX  : Account number : XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US 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 non-monetary relief
Consumer complaint received 2025-02-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-24 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
This letter is to formally dispute unauthorized hard inquiries appearing on my credit report. I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which provides me with the right to dispute inaccurate or incomplete information in my credit file. Specifically, I am disputing the following hard inquiries : Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX. Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX These inquiries are unauthorized and fraudulent. I did not authorize these entities to access my credit report. I have attached a copy of a police report [ Police report number XXXX. This police report serves as evidence that these inquiries were the result of fraudulent activity. 

I demand that you immediately remove these unauthorized hard inquiries from my credit report. 

Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into this matter. Failure to remove these fraudulent inquiries promptly will result in further action and pursuing legal action to protect my rights. 

I expect written confirmation of the removal of these inquiries within 14 days, as required by the FCRA.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Last year i started a complaint over innacuracies Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removedhas recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights a consumer

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
To Whom It May Concern at the CFPB and Credit Bureaus, I am writing to formally dispute XXXX fraudulent accounts on my credit report related to identity theft. These accounts, which appear under the names XXXX XXXX, were established without my knowledge or consent and do not represent legitimate financial obligations of mine. The fraudulent entries have severely impacted my credit accounts and financial standing, preventing me from obtaining legitimate credit. Details of Disputed Accounts : XXXX XXXX XXXX XXXXXXXX ( Closed ) Amount : { {$1200.00} } ( They also keep adding late payments which should not be possible if the account is closed. XXXX XXXX XXXX XXXX : Charged-Off for {$5500.00} account number XXXX. XXXX XXXX is trying to collect {$10000.00} under the account number XXXX. Reason for Dispute is Fraudulent account due to identity theft. : Fraudulent account due to identity theft. As a victim of identity theft, I am protected under several federal laws, and I request that all entries be removed from my credit report. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) This law provides the right to dispute inaccurate or incomplete information on credit reports. Since these accounts are fraudulent, they must be removed to maintain the accuracy of my report. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) This law protects consumers from fraudulent debt collection practices. As these accounts were not authorized by me, any collection efforts violate the CFPB and should cease immediately. I submitted several fraud reports to USAA XXXX XXXXXXXX XXXX for stolen credit/debit cards and they closed them without fixing this and then proceeded to add the debt to my report. I have called experian, procollect, usaa and XXXXXXXX XXXX. They all continue to transfer me to other departments, they don't provide proof of debt or anything signed and I have also sent all XXXX of them letters for debt validation that they have refused to respond to. I respectfully request that the FDIC and the credit bureaus take immediate action to investigate and remove these fraudulent accounts from my credit report to reflect my true financial standing. Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these entries.

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 2025-02-24 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: GA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-24 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 submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am the successor to my parents ' home. I had water damage to my home and applied for mortgage assistance XX/XX/year>. I took out a loan to make repair and struggling to pay both mortgages. 

Chase was supposed to mail additional documents for me to complete. I never received them. I have spoken to someone in the mortgage assistance department and requested they send another copy. I uploaded a letter on Chase 's portal on or about XX/XX/year> informing them of the same. I still have not received the required documents. I spoke to someone named XXXX on XX/XX/year>, and she promised to fax them to me at XXXX. I still have not received the documents to complete the mortgage assistance program. 

Yesterday, I called and spoke with XXXX and the mortgage assistance department is closed on weekends. She said my relationship manager, XXXX, would call me back on XXXX. I check my mail today the Chase is trying to transfer my loan to another lender and I totally disagree with this decision. I have been paying my mortgage and my parents mortgage 5 years since my mother passed away. I am human and acts of nature do happen. I just want a 4 to 6 months to catch up on everything while the repairs are being completed. A forbearance and extending the loan payments 4 to 6 months would be my help tremendously.

I have been making payments the last two months. However, I am a federal employee and a possible government shutdown is vastly approaching. I need to reserve some money because I will not have any income. Therefore, it is important this mortgage assistance is approved before that happen. I want this loan to stay with Chase because they are a reputable lender. I am currently living in this home while my home is being repaired. I have interviewed several candidates to rent this property and things should be back to normal by XXXX. 

Please help me get mortgage assistance and to keep my mortgage with Chase. 

Thank you, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation