vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report regarding the XX/XX/XXXXaccount ( XXXX ), as reflected in the attached screenshot. While the Payment Status is marked as Current across all bureaus, the 7-Year Payment History contains erroneous entries showing late payments of 30 and 60 days. These inaccuracies require immediate correction, as the payments were made on time. Given the discrepancies between the payment history and the payment status, it is evident that the reported late payments are incorrect and must be rectified to reflect a consistent Current status. This inconsistency raises significant concerns about the reliability of the data.

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 2025-01-22 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: MA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report regarding the XX/XX/XXXX account ( XXXX ), as reflected in the attached screenshot. While the Payment Status is marked as Current across all bureaus, the 7-Year Payment History contains erroneous entries showing late payments of 30 and 60 days. These inaccuracies require immediate correction, as the payments were made on time. Given the discrepancies between the payment history and the payment status, it is evident that the reported late payments are incorrect and must be rectified to reflect a consistent Current status. This inconsistency raises significant concerns about the reliability of the data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of outdated and incorrect personal information from my credit file. Specifically, I am concerned about the inclusion of old addresses that are no longer valid or where I can no longer receive mail. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that all information in my credit report is accurate, up-to-date, and relevant to my current circumstances. 

The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX I Have Never Lived or Been Associated With XXXX XXXX XXXX XXXX Ga XXXX As a consumer, I understand that under the FCRA, I have the right to dispute inaccurate or outdated information on my credit report. The FCRA ( 15 U.S.C. 1681i ) requires that credit reporting agencies maintain the accuracy and completeness of consumer information.

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 2025-01-22 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 credit cards and credit accounts from XXXX Card with a balance of {$6000.00}, XXXX XXXX XXXX XXXX with a balance of {$440.00}, XXXXXX/XX/XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$4700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 credit cards and credit accounts from XXXXXX/XX/XXXXwith a balance of {$6000.00}, XXXX XXXX XXXX XXXX with a balance of {$440.00}, XXXXXX/XX/XXXX with a balance of {$3100.00}, XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$4700.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a claim regarding my Navy Federal account, which was subjected to excessive overdraft fees and questionable overdraft practices. These practices put me, along with many other customers, in a situation where it became nearly impossible to restore my account to good standing. As a result of these charges, I lost access to my account and have been unable to find a stable banking solution since. My funds are now scattered across various accounts, creating significant financial stress and instability. 

As a 100 % XXXX veteran, I believe I should have the opportunity to regain access to my account without the burden of paying excessive overdraft fees and other penalties. These charges disproportionately affected me, making it incredibly difficult to recover from an already challenging financial position. I ask for fair consideration of my situation and for the opportunity to have my account reinstated or the fees waived so I can regain financial stability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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 explanation
Consumer complaint received 2025-01-22 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: GA

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 institute and Zelle failed to investigate my claims adequately. They informed me that recovering 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Dispute of Erroneous Late Payments Wells Fargo XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the late payment reporting for a Wells Fargo XXXX XXXX for XXXX and XXXX XXXX. I am listed as the cosigner on this loan, but the primary borrower is my daughter. The reported late payments for XXXX, XXXX, and XX/XX/XXXX are erroneous, as the account should have been in deferment during this period due to my daughters enrollment in college. 

Timeline of Events XX/XX/XXXX : A Wells Fargo XXXX XXXX for XXXX and XXXX XXXX was issued with an original amount of {$7000.00}. 
The loan was signed by the primary borrower, my daughter, with me listed as the cosigner. 

XX/XX/XXXX- XX/XX/XXXX : Late payments were reported by Wells Fargo despite the primary borrower, my daughter, being enrolled in college during this time. 
My daughter contacted Wells Fargo to provide proof of her enrollment and requested that the account be placed into deferment. 

XX/XX/XXXX : Payments were officially deferred, and no further late payments were reported. 

XX/XX/XXXX The loan account was transferred to XXXX XXXX. 

XXXX : Late payment entries for XXXX, XXXX, and XX/XX/XXXX remain on my credit reports, causing a significant drop in XXXX XXXX. 

Summary of Deferment Errors The primary borrower was a XX/XX/XXXX during the period of XXXX XXXX, qualifying the loan for deferment under XXXX XXXX XXXX XXXX 
Despite providing documentation to Wells Fargo verifying her enrollment, the loan was not placed into deferment in a timely manner, and late payments were erroneously reported. 
These late payment entries contradict the loans subsequent deferment status starting in XX/XX/XXXX and should be corrected retroactively. 

I appreciate your attention to this matter and look forward to your prompt resolution. If this issue is not corrected within 30 days, I will consider escalating the matter further, including legal remedies if necessary. 

Sincerely, XX/XX/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 non-monetary relief
Consumer complaint received 2025-01-22 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: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries and Inaccurate XXXX Account Information Dear TransUnion Dispute Department, I am writing to dispute specific information on my credit report, namely unauthorized hard inquiries and an inaccurately reported XXXX account. 

Unauthorized Hard Inquiries : The following hard inquiries appear on my credit report without my consent : 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 XXXX  Per the FCRA, such inquiries require my explicit authorization. As I did not consent to these, I request their immediate removal. 

Inaccurate XXXX Account Information : The XXXX account listed below is incorrectly reported as a charge-off : Account Name : XXXX XXXX  Account Number : XXXX Issue : Reported as a charge-off This account has been settled, and the charge-off status is incorrect. Please update this account to reflect its accurate status or remove it if it can not be verified. 

Enclosures : Copy of my driver 's license Copy of my passport Proof of address Highlighted credit report indicating disputed items I request an updated credit report reflecting these corrections. If additional information is required, please contact me at XXXX or XXXX. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-22 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-01-22 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 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 tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute multiple inaccurate and unverified collection accounts that are currently listed on my credit report. After reviewing my credit report, I have identified several accounts that I believe are being reported incorrectly and that I suspect are not substantiated by proper documentation. 
The accounts in question are as follows : XXXX XXXX : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2300.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$860.00} Date Opened/Reported : XX/XX/XXXX XXXX Name : XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$7300.00} Date Opened/ Reported : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2700.00} Date Opened/ Reported : XX/XX/XXXX I am requesting that you validate the accuracy of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., which mandates that all information provided to credit bureaus be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am entitled to request that you cease reporting any disputed debts until proper validation and verification are provided. 
As part of my dispute, I am requesting that you provide the following documentation for each of the disputed accounts : 1The name and contact information of the original creditor for each debt. 
2The amount owed, the date the debt was incurred, and any payments made toward the debt. 
3The specific method and date by which each debt was verified as accurate.

4Any written evidence or documentation supporting the existence of the debt.

5Proof that the collection agency or creditor has the legal right to report the debt to the credit bureaus. 
If you are unable to provide sufficient verification for any of the disputed accounts, I request that you remove or update the information accordingly. Failure to validate and substantiate the debt as required by law should result in the immediate removal of these accounts from my credit report. 
Please treat this letter as a formal dispute of the accuracy of these collection accounts. As stipulated in the FCRA, I expect a response within 30 days of your receipt of this letter. If you are unable to verify the information, I request that the accounts be removed from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your timely response and the correction of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
Barclays has been holding my account against me since late XX/XX/XXXX. I have repeatedly sent documents over and over through the mail through fax they got approved one time and then the fraud department actually said they were approved but they needed to be submitted for a second time to be evaluated. I don't understand why and then I spoke with a supervisor and he basically said it doesn't matter that I submitted my documents he said that he just don't believe that I am XXXX XXXX and that he spoke to the real XXXX XXXX and that he stated that he did not apply for this account which that could not be true because I am the real XXXX XXXX and this is two or three months ago when I received that call. The manager also stated that this account will be closed because this is a fraud application so now it is XXXX and this account is still open and I have a past due balance that I can not pay because I am restricted from my online account and it is causing my credit score to drop lower and lower so I am requesting that the recorded phone calls get sent to me or to the financial protection bureau and someone needs to investigate this because this is going on too long my account has been restricted for 5 months it doesn't make any sense at all. This company Barclays is discriminating me due to the sound of my voice and that they don't believe I am who I say I am because of the way that I sound he said I do not sound like a XXXX XXXX XXXX man I said what does a XXXX XXXX XXXX man sound like he said not like you so this is discrimination so I would like for all the phone calls to get pulled please and investigate it

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed by merchant/vendor through a company called XXXX. The vendor scammed me and strung m along over months regarding a service for a program to be created. It eventually ended with them not acknowledging issues and stopped communication. XXXX wouldn't intervene. I opened a dispute with my bank ( chase ) and they said it was denied due to timing limits. They wouldn't consider an appeal nor open any litigation against the company or merchant/vendor.

Company response to consumer: Closed with explanation