vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: MS

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 2025-02-13 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:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-13 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: TX

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-02-13 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX 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 2025-02-13 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX Balance : {$3100.00}

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX my card was compromised and I called the XXXX number to report fraud. They closed the card and told me to go to branch to get new card which I did. The compromised amount was immediately refunded back to my account and I thought issue was settled. 

However today XX/XX/year> the fraudulent charges reappeared and brought my account to negative while I am out of town. 

No one at us bank informed me the money would be put back but immediately then taken out again a few days later. Had I known that I would have delayed my travel plans. 

I called to see if they could expedite returning the funds, however no answer could be given and there was no explanation as to why they returned the funds then a few days later took them back out.

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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
When I called about debt they say Im deceased nothing gets done I went to get paper work social security office prove Im alive Im gone file law suit if they dont remove. They didnt repot deceased to agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I currently have an account restrictions on my card preventing me from making any purchases. The reason for the restrictions are due to Capital One wanting an authorized user on the account driver license and social security number. However, the authorized user has been uncooperative in providing myself with the requested documentation. 

This has been expressed to capital one in multiple complaints sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, this issue was included in a corporate complaint received by XXXX XXXX on XX/XX/XXXX. All of which, XXXX XXXX never responded. 

I also attempted to resolve this matter through the XXXX  with the complaint ending XX/XX/XXXX with no resolution. 

Because, the authorized user information was not provided. XXXX XXXX also closed two other credit cards that I had. The stated reason is that information was requested by XXXX XXXX that they claim was never provided by myself. However, in their XX/XX/XXXX letter notifying me that they are requesting information. They never explicitly told me what they are requesting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 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: KY

Complaint narrative:
NAME : XXXX XXXX XXXX XXXX : XXXX XXXX way XXXXXXXX XXXX XXXXXXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear Sir/Madam, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following unauthorized inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report. Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately. I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. Sincerely, 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint and Dispute of Charged-Off Account Account Number : XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX charged-off account ( Account Number : XXXX XXXX ) that has been inaccurately reported on my credit report. Despite the account being charged off, I never received a XXXX form from the creditor, which is required by the IRS for XXXX debts over {$600.00}. This failure to comply with IRS regulations, along with the inaccurate reporting of the account, has caused significant harm to my credit profile and financial standing. 

Details of the Complaint : XXXX. *Failure to Issue XXXX : The creditor charged off the account but did not provide me with a XXXX form, as required by IRS regulations. This omission suggests that the debt was not properly canceled or reported to the IRS. 
XXXX. XXXX XXXX XXXX : The account remains on my credit report as a charged-off account, which is negatively impacting my XXXX XXXX and ability to obtain credit. 
XXXX. *Lack of Communication* : I have made multiple attempts to resolve this issue directly with the creditor, but they have failed to provide a satisfactory resolution or the required documentation. 

Requested Resolution : XXXX. *Removal of the Account* : I request that the charged-off account be removed from my credit report due to the creditor 's failure to comply with IRS regulations and provide XXXX XXXX form. 

I trust that the CFPB will take appropriate action to address this matter and protect my rights as a consumer 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 2025-02-13 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: UT

Complaint narrative:
Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint and Dispute of Charged-Off Account Account Number : XXXX XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX charged-off account ( Account Number : XXXX XXXX ) that has been inaccurately reported on my credit report. Despite the account being charged off, I never received a XXXX form from the creditor, which is required by the IRS for XXXX debts over {$600.00}. This failure to comply with IRS regulations, along with the inaccurate reporting of the account, has caused significant harm to my credit profile and financial standing. 

Details of the Complaint : XXXX. *Failure to Issue XXXX : The creditor charged off the account but did not provide me with a XXXX form, as required by IRS regulations. This omission suggests that the debt was not properly canceled or reported to the IRS. 
XXXX. XXXX XXXX XXXX : The account remains on my credit report as a charged-off account, which is negatively impacting my XXXX XXXX and ability to obtain credit. 
XXXX. *Lack of Communication* : I have made multiple attempts to resolve this issue directly with the creditor, but they have failed to provide a satisfactory resolution or the required documentation. 

Requested Resolution : XXXX. *Removal of the Account* : I request that the charged-off account be removed from my credit report due to the creditor 's failure to comply with IRS regulations and provide XXXX XXXX form. 

I trust that the CFPB will take appropriate action to address this matter and protect my rights as a consumer Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
So I opened a checking and saving the account with chime. Is headed for about five years and all of a sudden this year.They sent me an email stating my account will be closed and any money i had in the account was supposed to be moved as well to a different account. They gave me no reason as to why they were closing the account. I made several phone calls. Talk to numerous people at 1 point I thought a young lady had fixed it for me. The account closure has stopped and within 2 days it was back up. I also had disputhat were pending during this closure. And they approved one dispute but the other 4 disputes from the same person charging me they did not. I asked several times for this account. To be blocked for ACH transfers. They told me they were gon na do it. It wasn't. I had to call numerous times to even get this blocked. Now I'm really upset because I have time put into this bank.And everything is just out of wacko and i'm out of money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Formal Dispute Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance To Whom It May Concern, I am formally disputing the inaccurate and/or misleading information on my credit report and asserting my rights under 15 U.S.C. 1681o, which holds consumer reporting agencies liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this matter of incorrect account details, your agency has failed to conduct a reasonable investigation or correct the erroneous reporting. This negligence has directly harmed my financial standing, impacting my ability to secure credit, employment, or housing. 

I demand an immediate reinvestigation and correction of the disputed information, as well as a written response detailing the steps taken to ensure compliance with FCRA regulations. Should this matter remain unresolved, I will have no choice but to pursue further legal remedies, including seeking damages for the harm caused by your agencys negligent reporting practices. Please provide a response within the timeframe required by law. I appreciate your prompt attention to this serious matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 explanation
Consumer complaint received 2025-02-13 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: MD

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 report 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
Please see supporting documents pertaining to the XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
In 2020 I had my wallet stolen and months later it was brought to my attention that there was a XXXX XXXX in my name so I called them and explained that there was no way that I opened this account and that some one use my information to open it and that it needs to be close immediately the company said that they would look into it 5 months later I was still getting a bill so year later it shows up on my credit report so I call them experien and tell them there is a account on my credit report I don't recognize and that it was open through fraud and they connected me to the fraud department and after hour long talk they said they would investigate it and 2 years later it still on my credit the credit agency doesn't take people 's credit accounts seriously and they should pay for violation of fair credit credit act experien does not deliver

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 2025-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My old addresses keeps popping up in Experian I requested it off and it keeps reappearin

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 2025-02-13 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: AZ

Complaint narrative:
My information was wrongly released and there is an active lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I disputed unauthorized transactions and cash app refuse to give funds back. They did not help at all and i couldnt call them.

Company response to consumer: Closed with explanation