vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX Self-Lender via mail to dispute the following information that was reported to all three credit bureau XXXX XXXX, XXXX, and XXXX ) XXXX This is information reported to the credit bureau is inaccurate because I never opened an account or had any knowledge of this account. I am requested that XXXX XXXX  Self-Lender have this item removed from all three credit reporting agencies. 

According to the credit bureau that this account was opened XX/XX/XXXX. This account is still open. Payment status XXXX late. Last reported XX/XX/XXXX. 

This has made my credit payment history dropped from 100 percent to 82 percent. 
This has made my life miserable. I am now suffering from XXXX  XXXX and XXXX. 
Now, I found myself checking my credit every hour on the hour, seven days a week. 

XXXX XXXX  never response back to letter mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
This company American Credit Acceptance is a scam.. Also, they made me put down {$5700.00} on the XXXX  XXXX XXXX XXXX which is against the law leaving me with an extremely high interest rate knowing that I could not afford that according to my income that I provided to the company. With that large amount of a down payment the monthly car note should have been much less! However I have now learned that down payments are not legal. Which makes this action reported to my credit profile unfair based off an illegal deal. This was not properly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opened a checking account in order to take part in Bank of America 's advertised {$300.00} new checking account bonus promo offer. I opened the account on or within a few days of XX/XX/year>. The bank was able to verify my identity with no issues and the account was opened. I set my IRS tax return to be Direct Deposited into the new account in order for that money to go towards the required {$2000.00} total deposit goal. ( The stipulation being that, in order to receive the promo bonus, a total of {$2000.00} or more must be deposited into the account within 90 days of the account opening date.The promo code was XXXX. ) On XX/XX/year>, I saw that my tax return of {$1300.00} was successfully deposited into the account. The tax return may have been deposited a few days earlier but I noticed on the XXXX. There was no issue with the direct deposit and the money went from pending to posted as expected. I then transferred the full amount of {$1300.00} via zelle to a bank account of mine at another institution. As this was my first time using zelle with Bank of America, there was a temporary hold placed on the transaction. Within 12 hours the zelle transfer went through with no issues and the money was successfully transferred from my Bank of America account to my other bank account. The issue is that on XX/XX/year> I couldn't log into my account. When I called customer service, they said they cancelled the account because they couldn't verify my identity. They said that I would have to visit a brick and mortar location to open a new account. Furthermore, they said the {$1300.00} that was successfully deposited would not count toward a new account promo. Not even if/when they successfully verified my identity. I was given very little time to even take notice of any alert to visit a brach to verify my identity in person. I received no email telling me of this and if the alert was in the app it was of little use because they cancelled the account before I could log in to see it. My complaint is that I opened the account to receive the promo bonus. I followed the rules and over {$1000.00} of my money was entrusted to the bank. They used this money as a business yet opted to cancel my account in an unjustified fashion. I have no issue verifying my identity. I should have been given much more time to verify my identity and the account should have, at most, been placed on a hold. I aim to have that {$1300.00} be seen as counting toward the bonus I correctly applied for. There is no justifiable reason the account should have been cancelled so quickly, nor should my progress toward the promo bonus have been nullified.

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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am resubmitting my complaint regarding XXXX failure to implement adequate fraud prevention measures and to properly investigate consumer disputes. The response I received to my initial complaint, which claimed insufficient facts, is unacceptable and appears to align with broader concerns that have prompted CFPB litigation against Zelle for alleged violations of the Consumer Financial Protection Act ( XXXX ) and the Electronic Fund Transfer Act ( XXXX ). 

Specifically, I refer to the CFPBs lawsuit filed on XX/XX/year> ( XXXX XXXX. XXXX ), which alleges that XXXX systemic failures have resulted in over {$870.00} XXXX in documented fraud losses. The dismissal of my complaint on the basis of insufficient facts mirrors the allegations that Zelle systematically denies valid consumer complaints. 

Under the Electronic Fund Transfer Act, 15 U.S.C. 1693f, financial institutions are required to conduct a reasonable investigation of any reported errors. Based on the evidence provided in my initial submissionand in the additional documentation attachedI contend that Zelle has failed to meet this statutory obligation. 

I respectfully request that the CFPB reopen and thoroughly investigate my complaint. Attached you will find additional evidence, including records of disputed Zelle transactions that were not resolved in accordance with EFTA requirements. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate steps to ensure that consumer rights are protected and that Zelle is held accountable for its alleged shortcomings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: 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. 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 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
What Happened : My name is XXXX XXXX XXXX, and I reside at XXXX Sunrise XXXX XXXX XXXX # XXXX, Sunrise, FL XXXX. My date of birth is XX/XX/XXXX, and my Social Security XXXX is XXXX. I signed up with IdentityIQ to access my up-to-date three-bureau credit report, which includes reports from Equifax, XXXX, and XXXX XXXX However, I am unable to access my Equifax credit report due to an issue on XXXX end. The XXXX and XXXX reports are functioning correctly through IdentityIQ, but XXXX portion is not working. I contacted IdentityIQ customer service to resolve this, and they informed me that the problem lies with Equifax and that Equifax needs to fix it on their end. I also attempted to contact Equifax directly by phone to address this issue, but I encountered extremely excessive wait times and was hung up on three separate times, preventing me from getting any assistance. There is no freeze or fraud alert on my profile that would explain this issue. As of XX/XX/XXXX, I still can not access my Equifax credit report, despite needing it urgently to monitor my credit and address any potential issues. This lack of access, combined with XXXX poor customer service, is preventing me from fully utilizing the service I paid for and is hindering my ability to manage my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-28 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: PA

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 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 2025-02-28 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: MI

Complaint narrative:
I have previously disputed with XXXX, XXXX and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-02-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts opened without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX 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 2025-02-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts opened without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Experian allows XXXX XXXX  to constantly check my credit fraudulently to report a fraudulent account on my credit

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 2025-02-28 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: PA

Complaint narrative:
I am reaching out to express serious concerns regarding inaccuracies I have identified in my credit report. Upon review, I discovered multiple discrepancies, inaccurate accounts, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I would greatly appreciate your prompt assistance in resolving 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
Consumer complaint received 2025-02-28 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: PA

Complaint narrative:
I am reaching out to express serious concerns regarding inaccuracies I have identified in my credit report. Upon review, I discovered multiple discrepancies, inaccurate accounts, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I would greatly appreciate your prompt assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-02-28 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 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 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 2025-02-28 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: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXX XXXX 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 2025-02-28 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: 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. 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 XXXXnder 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 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 2025-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am 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 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 2025-02-28 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: MI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief