vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-24 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: SLM CORPORATION
State: PA

Complaint narrative:
I requested Sallie Mae to delete all my accounts and informations including and not limited to : Phone number, Social Security Number, Email, Name, Last Name, Address. 

Think twice before doing any business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZARVAD III S.A.
State: PA

Complaint narrative:
XX/XX/XXXX : Company is XXXX number is XXXX extension XXXX XXXX XXXX XXXX XXXX I received a call from arbitration at XXXX which said they were a law firm who were sold a debt from XXXX, that I had to pay a debt from XXXX. I did not sign up for a payday loan in XXXX, or ever, and when I said that she said they have proof but would not say what the proof was. I asked for whether the documents were ever sent in email or in the mail and they said they were, but I had no mail or emails from them. She said it would come from XXXX and that was never received. Said we could pay the {$460.00} immediately over the phone to settle the arbitration. I gave them my credit card information and they sent over a docusign, which seemed fake. I called XXXX ( at the number she provided me which matched the one on XXXX ) and spoke with someone who said they never had me as a customer now or ever. I called the XXXX number back and she said that while they didnt have a record of it, its just because they sold all the information to them. I called XXXX back and spoke with a XXXX who said this not true and confirmed ( again ) that I never had a loan from them. I called XXXX XXXX at XXXX back and she once again threatened me if I didnt pay it/sign the XXXX. I asked for all the documents sent to my home and she said that the Attorney General had already signed off that she can garnish my wages. I told her to take me to court then and hung up. XXXX XXXX at XXXX also called my employer and my brother to ask for me, so this is potential harassment.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
The company name is Aaron Agency. They are collecting for XXXX XXXX company in the amount of {$3800.00}. I noticed a new collection on my credit report and inquired about it by disputing it. I found out the amount and time frame, knew instantly it wasn't mine. I figured out it was someone who I had a relationship with 34 years ago. I disputed it many times with the credit bureaus. They would remove it but after I finally raise my credit score, here it comes again. It lowered my credit score XXXX points just when I am trying to make a major purchase. They have been a thorn in my side and just will not stop. This is just one of the two that keeps doing this.

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 2025-02-24 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: GA

Complaint narrative:
I recently checked my credit report and was shocked to find accounts that I do not recognize. I have never opened or authorized these accounts, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened. These false accounts are creating an unfair representation of my financial history, and I will not allow this misinformation to remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a business check and savings account with Chase bank and both accounts were put into - {$99.00} XXXX plus and stated that they have been put on legal hold. 

It was been pver XXXX weeks now and I have gotten no explantion or reason why the account was put on a legal hold. 

I was told that I needed to call the court order and XXXX department which I have been doing everyday since this has happened. 

I am hoping that I can get some asistance from CFPB on this matter. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Subject : Dispute of XXXX XXXX and XXXX for XXXX XXXX XXXX and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX Innovis, XXXX, XXXX XXXX, and XXXX XXXX XXXX reports. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, Innovis, XXXX, CoreLogic, Clarity, and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to XXXX XXXX : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided. 

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly. 

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties. 

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings. 

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information. 

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: ID Analytics, Inc.
State: MI

Complaint narrative:
Subject : Dispute of XXXX XXXX and XXXX for XXXX XXXX XXXX and Permanent Opt-Out Dear Representatives, I am writing to address XXXX separate but related matters concerning my consumer file : A formal dispute of inaccurate information on my XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, Clarity, and XXXX XXXX XXXX reports. 
A request for a permanent security freeze and permanent opt-out on my consumer file. 
Part XXXX : Dispute of Inaccurate Information I have reviewed my consumer reports from XXXX XXXX XXXX, XXXX, XXXX, CoreLogic, Clarity, and XXXX, and I have identified several discrepancies that I believe are inaccurate and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). The issues include, but are not limited to, the following : Inaccuracies : Specific inaccuracies in my reports are detailed in the attached documentation. These errors adversely affect the accuracy and integrity of my consumer data. 

Failure to XXXX XXXX : In accordance with 12 CFR 1006.34 ( c ), there has been a failure to provide proper validation for the debts in question. No clear and accurate description of these debts or evidence of any contractual obligation has been provided. 

I request that you immediately investigate these discrepancies, correct the inaccurate information, and update my consumer file accordingly. 

Part 2 : Request for Permanent Security Freeze and Permanent Opt-Out Due to ongoing concerns regarding identity theft and unauthorized access to my personal information, I am also requesting that a permanent security freeze be placed on my consumer file. Additionally, I request a permanent opt-out to prevent the sharing of my personal data with unauthorized third parties. 

The reasons for this request are as follows : Identity Theft Concerns : My personal information has been compromised, leading to fraudulent activity. A permanent security freeze will help protect my identity and prevent further unauthorized inquiries and account openings. 

Consumer Privacy : A permanent opt-out is necessary to ensure that my personal data is not disseminated to or accessed by entities without my explicit consent, thereby preserving the privacy and integrity of my information. 

I respectfully ask that you implement these measures immediately and confirm in writing once they have been put in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
After nearly 100 days of closing my checking account with XXXX Bank, they claim that they do not possess the funds owed to me, suggesting that Everbank should initiate the transaction as they have received the Hold Harmless Agreement. I contacted Everbank, and they insistently deny owing me funds. It appears that both institutions are pointing fingers regarding the whereabouts of my money, totaling {$5000.00}, prior to closure. Please refer to the attached document released by XXXX Bank. This is my hard-earned money, and there has been no fraudulent activity. I have complied with all necessary documentation required by XXXX Bank, and today, XX/XX/XXXX, the XXXX XXXX XXXX XXXX informed me that they will no longer assist me in my case, emphasizing that Everbank should release my funds and communicate with them to help me, which I have done to no avail. Everbank maintains that they do not owe me funds. I have been waiting for my funds to be returned to me since XX/XX/year>. Can you please assist me in initiating an investigation to ensure that I am treated fairly?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the XXXX XXXX entry is inaccurate, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously challenged the erroneous and incomplete information on my credit report, yet [ EquifaxXXXX ] did not correct it, thereby violating the Fair Credit Reporting Act ( FCRA ). To support my challenge, I provided clear evidence, including : - Marked credit reports that highlight all discrepancies and inconsistencies.

- A formal dispute letter outlining the errors and specifying the necessary corrections.

- Copies of my government-issued ID, Social Security card , and proof of address to verify my identity. 

Despite submitting all the required documentation, the inaccuracies and omissions remain on my credit report. Under the FCRA, my report must be accurate and complete, and the failure to make these corrections constitutes a violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CCB/SALLY XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX Legal Grounds XXXX Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AR

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

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 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 XXXXXX/XX/XXXX CAR-MART XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
" I previously disputed the inaccurate and incomplete information on my credit report, yet [ XXXXTransUnion ] failed to correct it, violating the Fair Credit Reporting Act ( FCRA ). To support my dispute, I provided clear evidence, including : - My credit reports, which I have clearly marked to show all discrepancies and inconsistencies. 
- A formal dispute letter, detailing the inaccuracies and the necessary corrections required for compliance. 
- A copy of my government-issued ID, Social Security card and proof of address, ensuring there is no issue with identity verification. 

Despite providing all required documentation, the inaccurate and incomplete reporting remains. Under the FCRA, you are required to ensure that my credit report is accurate and complete. Your failure to correct this information after my previous dispute is a clear violation of the law. 
"

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 2025-02-24 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: NV

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