vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/year> {$14.00} This debt was paid in full, however, it is reported as a collection.

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 2025-02-08 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:
Request to Dispute Account information on My Credit File I currently received my credit reported and located the following serious problems of inaccurate reporting. This is my very first time disputing my credit report because I have just accepted that I had bad credit and became a victim of it. Please do not regard this investigation as a frivolous letter, Because My information was exposed in Data breach. 

I dont know what these collection, account are for. I have not contacted these collection agencies to validate these debts, so therefore I am disputing the validity of these debts. I demand for these all inaccuracies on my report to be removed in 30 days because my information was exposed in Data Breach. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and the timeframeallowed, please re-investigate and delete/correct this information. Please send me the names and the address of the persons contacted. I'm gon na assume that thirtydays constitutes a reasonable time to complete the actions constitutes non-verification and these item must be promptly deleted according to the Section611 ( a ). 

Also according to Section 611 ( a ) for the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an update copy of my credit report to the below address. According to the provisions of Section 612, thereshould be no charge for notification of changes of my credit report. 

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 2025-02-08 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: NJ

Complaint narrative:
RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Experian I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with * original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 
3. Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, 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

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 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
XXXX XXXX was used while I was on my Ex wife 's insurance. We were still married XX/XX/XXXX. I got a bill after we were divorced stating I owed for the XXXX  ride. This was on her insurance. I got my own insurance XXXX of that year. The collection was added to my report on XX/XX/XXXX I recently had a bank inform me of the collection. 
The Consumer Financial Protection Bureau ( CFPB ) recently finalized a rule that prohibits medical debt from being included on credit reports. This rule went into effect on XX/XX/XXXX. 
What does the rule do? 
Prevents debt collectors from using credit reporting to pressure people into paying medical bills Prohibits lenders from considering medical debt when assessing borrowers Increases privacy protections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
I recently obtained a copy of my credit report and noticed unauthorized hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score, and I am requesting their immediate removal. 

The unauthorized inquiries are as follows : XXXX XX/XX/year> XXXX XX/XX/year> I did not apply for credit with these companies and never gave them permission to pull my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and permanently removed from my credit file. 

For verification, I have attached : Copy of my credit report highlighting the unauthorized inquiries Copy of my identification ( Drivers License ) Please confirm once these inquiries have been removed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Stellantis Financial Services US Corp.
State: PA

Complaint narrative:
I never had an account with this company nor have they ever tried to collect a debt.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Follow-up Request for Deletion of Outdated Address Under 15 USC 1681i ( a ) ( 1 ) ( A ) I am writing to follow with TransUnion up on my previous request dated XX/XX/year>, regarding the removal of outdated address information from my credit report. Despite more than 35 days having passed, the requested corrections have not been made. 

This delay constitutes a violation of federal law under 15 USC 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and resolve disputes within 30 days of receiving a dispute notice, subject to certain exceptions. 

I respectfully request that you immediately delete the outdated address from my credit file. 

Thank you for your prompt attention to this issue. 

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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Ive already contacted the creditor and updated my information they do not have that information on file can you please remove it in accordance with the Fair Credit Reporting Act, 15 USC Section 1681i. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 USC 1681b states this,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I am writing notify you I am a victim of identity theft and a data breach that has impacted my personal financial information. As such I request that you block and delete all account related to the following collection agencies from my credit report, pursuant to my rights under FCRA 605B15 U.S.C 1681c-2 ( a ). 
XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I am writing notify you I am a victim of identity theft and a data breach that has impacted my personal financial information. As such I request that you block and delete all account related to the following collection agencies from my credit report, pursuant to my rights under FCRA 605B15 U.S.C 1681c-2 ( a ). 
XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : 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 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
My financial and personal information including my social security number was passed on without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
HELLO, I RECENTLY NOTICED COLLECTIONS FOR THE AMOUNT {$110.00} FROM SEQUIUM ASSET SOLUTIONS INC. UPON CALLING THEM, THEY COULD NOT GIVE ME ANY INFORMATION SAYING THIS DEBT DID NOT BELING TO ME. I CALLED XXXX WHO VERIFIED AN ACCOUNT NEVER EXSISTED IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: WI

Complaint narrative:
Our data was released into the world anyone had access to my information. I do not agree

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 2025-02-08 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: FL

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. 
Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$170.00} I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

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 2025-02-08 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: GA

Complaint narrative:
Im requesting proof of the previous investigation. Please provide details on how the investigation was conducted, including records of who was contacted, their name, business address, and phone number. Additionally, Id like any documentation that confirms the account was reported as late. If youre unable to provide this information within 15 days, please update the account status to **Paid/Never Late** and send me a copy of my updated credit report. ( XXXXXXXX XXXX XX/XX/year> ) Ive also noticed inconsistencies in the reporting across different bureaus Equifax is showing the account as 60 days late, TransUnion is showing 30 days late, and Experian is reporting it as never late. Please clarify which is accurate and provide supporting documentation. If youre unable to verify this information, I request that you correct the discrepancies and update the account accordingly. 

( XXXXXXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
JPMCB has already settled the account, showing an amount owed of {$0.00}, and it is still on my credit report as an account that " needs attention ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: WI

Complaint narrative:
My information was taraded, used and issued to other parties that either benefitted and tried to solicit me deals that were fake fraudulent and disguised to try and deprive me out of my property. I do not appreciate the fact my information was and can be used by these third parties to try and manipulate me sub prime mortgaged back securities to gain an interest over my estate. I want to settle and discharge all debts made by these so called creditors to rebalance my XXXX  score that was affected with my social security treasury direct account. I appreciate your love in truth and understanding..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-08 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: FL

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. 
Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Amount : {$170.00} I looked at my Equifax credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against cash app block Inc. due to an adequate customer service and unfair practices which violate the consumer financial protection act specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable unprotected furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with error, resolution requirements under the electronic fund transfer act And regulation. E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. They also stole my money after closing my account for no reason

Company response to consumer: Closed with explanation