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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX recently reported my student loan account as XXXX XXXX late to XXXX, and other two bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a Goodwill Adjustment, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX recently reported my student loan account as 90 days late to XXXX, and other XXXX bureaus. However, I was never properly notified about the delinquency. All XXXX communication went to my spam folder, and I was unaware of the missed payments until I reviewed my credit report. 

As soon as I realized the situation, I immediately paid my account in full to bring it current. I contacted XXXX directly to request a XXXX XXXX, but I was told they are unable to remove the late mark. 

Given my history of responsible payments and the fact that I was never properly notified, I am requesting that the XXXX late payment be removed from my credit report. I kindly ask CFPB to investigate this matter, as this reporting has drastically affected my credit score and does not reflect my overall creditworthiness. 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear XXXX XXXX, XXXX XXXX Number : XXXX Jefferson Capital Systems , LLC ( XXXX XXXX ) is a debt collector and the owner and current creditor of your referenced account. We will use any information you give us to help collect the debt. 

Our information shows : You had a XXXX XXXX account from XXXX XXXX with account number of XXXX. Your XXXX Reference Number is XXXX. 

As of XX/XX/XXXX you owed : {$1000.00} Between XX/XX/XXXX and XX/XX/XXXX You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$1000.00} How can you dispute the debt? 
- Call or write to us by XX/XX/XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
The status is incorrect for the following account XXXX  XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The status is incorrect for the following account XXXX  XXXX BANK XXXX Account Number : XXXX Please remove this inaccurate information from 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, synchrony bank closed my account despite the fact that I sent them all documents. Please help me to reopen card I need it for my 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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SERVICEMAC, LLC
State: ID

Complaint narrative:
In XX/XX/XXXX the mortgage loan servicer for my home mortgage changed from XXXX to XXXX XXXX. The previous 2 times my loan servicer has changed, I have not had to do anything and all the information is transferred. I have held a XXXX XXXX policy since XXXX on the property. On XX/XX/XXXX a pipe burst from underneath the house. Upon reaching out regarding the policy I was told it was canceled in XXXX due to non-payment. I reached out to XXXX XXXX and was informed that they had assigned a policy because XXXX cancelled the claim. for non-payment, despite having an escrow on the mortgage. I have received no documentation regarding any of these changes. I began to look into where this issue XXXX have began, and I started with the previous loan servicer, XXXX. They provided documentation of the letters they sent to XXXX and XXXX XXXX indicating there would be a new loan servicer. That letter was dated XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX on the phone alongside my insurance broker and XXXX stated that XXXX never received the letter ' from XXXX, which resulted in XXXX XXXX the renewal bill to XXXX ( who no longer serviced the mortgage ) and payment was never made. At this point XXXX XXXX used the escrow to obtain lender assigned insurance with XXXX. On XX/XX/XXXX I reached out to XXXX XXXX, who XXXX had indicated they had sent the second letter to. XXXX XXXX was very quick to reply and state that they would had received something like that had it been sent. 

The home has been uninhabitable while the repairs and remediation is occurring, and the new policy from XXXX has no coverage of living wages at all. The XXXX policy that I have had to file a claim with is a significantly less favorable policy, and after looking into this situation I have been left with XXXX corporations all denying any type of fault or accountability in the mishandling of the loan servicer handoff. As of now, it appears as though there was a mishandling in the processing of these critical notifications being delivered to their destination entities. The resulting cascade of events has been an absolutely nightmare and is projected to cost me tens of thousands of dollars out of pocket in addition to any remediation to make the home habitable. Additionally, I utilize this property as my primary source of income as a short term rental. This has decimated any income that I am able to generate from it, and will result in the absolute bare minimum remediation funds be dispersed by the new insurance agency that covers the home. This situation is still developing in real time, and as such updates will occur until the root cause of this issue is identified.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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 2025-02-12 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: NV

Complaint narrative:
As requested Valid Identity Theft Reports are now uploaded which were submitted electronically and recorded with the Federal Trade Commission and contain a Valid Police Report Number. 

The accounts listed in these Federal Trade Commission Identity Theft police reports are unauthorized accounts created from unauthorized charges compiled from unauthorized use of goods and unauthorized Merchant services.

The investigation for the verification and validity of these accounts has been well over the 30 day threshold as the initial submission for that request commenced on XX/XX/year>. Until now, and still, The accounts have not been properly verified according to regulatory Standards and specified requests made by the individual. 

This furthermore has caused the furnishing of inaccurately reported credit information to the consumer reporting agencies on the consumers ' reports and the individual 's credit profile. 


603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
As requested Valid Identity Theft Reports are now uploaded which were submitted electronically and recorded with the Federal Trade Commission and contain a Valid Police Report Number. 

The accounts listed in these Federal Trade Commission Identity Theft police reports are unauthorized accounts created from unauthorized charges compiled from unauthorized use of goods and unauthorized Merchant services.

The investigation for the verification and validity of these accounts has been well over the 30 day threshold as the initial submission for that request commenced on XX/XX/year>. Until now, and still, The accounts have not been properly verified according to regulatory Standards and specified requests made by the individual. 

This furthermore has caused the furnishing of inaccurately reported credit information to the consumer reporting agencies on the consumers ' reports and the individual 's credit profile. 


603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had XXXX $ stolen from my us bank account using the debit card in a period of 3-4 days Im a tax preparer so I have a lot of people sending me money around this time to do their taxes. 

I had XXXX $ sent to me and it was stolen My bank has barely investigated this claim And still havent provided with and update or provisional credits. 


My XXXX XXXX  was stolen from my parking garage on XX/XX/XXXX I wan na say around XXXX my purse was in the vehicle, inside of my purse was my wallet including all of my debit cards and credit cards. My us bank pin was also inside of my vehicle. 


And It took the police XXXX hours to come to my house. 

My XXXX was left in the car I had cash app on there my XXXX. 

with my us bank card connected to it so they were able to send themselves money in the amount of XXXX $ It was XXXX cash app transactions for XXXX $ each And it was XXXX ATM withdrawals for XXXX $ each. 

I attached a selfie of myself to this so that US bank can use that picture to compare it to the ATM footage. 

I can also send picture of my ID

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: FL

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over XXXX  days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

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: EQUIFAX, INC.
State: DE

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 USC 1681g, I ask that they be removed within XXXX  days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company 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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I set up a new tiered savings account with Barclays on XX/XX/XXXX and deposited {$300000.00} in the account. Several months later in early XX/XX/XXXX when I needed to transfer money I started the process to establish an external account to transfer money to. Once the two small test deposits hit my external account I tried logging back in to my Barclays account to confirm the deposits but I got a message that my account was currently restricted. I called the suggested phone number and they said they needed bank statements from the external accounts to confirm I own the accounts. The two accounts were the ones I had transferred the money from originally and the one I wanted to transfer the money to. So within 24 hrs I emailed them the two bank statements they requested. Several days later I still could not access my account. So I called back and they said they need 10 days to process so I asked for a manager because it was making no sense to me why I couldn't even view my account. I understand the security needed to confirm the external accounts, but to not allow me to view my balance or access tax documents is just wrong. They person on the phone said that a manager would call me 24-48 hrs. This time came and went and I never received a call. So I called back once again and tried to talk to a manager once again. I was on hold for more than and hour and no manager would ever talk to me. I still do not have access to my account or my money. A bank should not be able to block the account holder from viewing or accessing their funds, EVER. I need access to my money and if I ever do get my money out of this bank I will never, ever use them or recommend them.

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