vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
I NOW HAVE TWO ACCOUNTS SHOWING FROM XXXX XXXX NEVER DID BUSINESS WITH THEM IS FRAD. PLEASE ASSIST ME IN GETTING THESE ACCOUNTS REMOVED. XXXX. XXXX. FTC IS ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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 express my concerns regarding the recent lawsuit involving Zelle and its failure to adequately protect its users. As a frequent user of Zelle, I have personally experienced situations where discrepancies occurred in my transactions, which I promptly reported to my financial institution. Unfortunately, these reports were not investigated thoroughly, leaving me without recourse or resolution. 

It is deeply troubling that Zelle has consistently neglected customer protection and allowed repeat offenders to exploit its system. This lack of accountability undermines consumer trust and puts individuals at risk of financial harm. Despite its widespread use, Zelle has not implemented sufficient measures to ensure that fraudulent activity is addressed effectively, nor has it held itself or partnering financial institutions accountable for investigating reported issues. 

I urge the CFPB to take strong action to hold Zelle and its participating institutions accountable for these failures. It is essential that Zelle implements robust safeguards to protect users, enforces stricter oversight of financial institutions investigation practices, and prioritizes consumer restitution in cases of fraud or error. 

Thank you for addressing these concerns. I appreciate your continued advocacy for consumer rights and protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
Disputing a transaction and the length of time to get refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 writing to express my frustration and disappointment with Transunion failure to address and correct flawed financial data in my credit report. Accurate credit information is critical for financial stability, and the errors on my report have negatively impacted my ability to secure opportunities such as loans, housing, and other essential services. Despite following the proper procedures to dispute these inaccuracies, including providing supporting documentation, the issues remain unresolved. Each time Ive contacted Transunion, Ive been met with vague responses, lack of accountability, and no clear resolution timeline. It is disheartening to see such a vital institution failing in its responsibility to maintain accurate and reliable financial records for consumers. I rely on Transunion to ensure my credit report reflects my true financial standing, and I am deeply concerned about the lack of urgency in addressing these errors. The failure to act promptly has caused unnecessary stress and financial hardship, leaving me with little recourse. I am requesting immediate action to thoroughly review my disputes, correct the inaccuracies, and ensure that these errors are not repeated. Furthermore, I urge Transunion to improve its dispute resolution process and communication to better serve consumers like myself who depend on your service to manage their financial health responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The following accounts need to be removed or blocked from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
No, a collection agency can not collect in a state without a license in that state. They also can not report a debt to your credit report without being licensed. 
Debt collectors must be licensed in the state where they operate and in the state where the debtor resides.

The XXXX  Consumer Collection Practices Act ( FCCPA ) requires all debt collectors to register with Florida, including those who are out-of-state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
Subject : Inaccurate Reporting of Discharged Account in Violation of FCRA and Bankruptcy Code Description : I am submitting this complaint regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Account # XXXX ) by XXXX XXXXXXXX, TransUnion, and XXXX. The following are the specific issues : 1. Balance Reporting Post-Bankruptcy Discharge : This account was discharged under XXXX XXXX bankruptcy in XX/XX/XXXXXXXX 
TransUnion continues to report a balance of {$570.00} as of XX/XX/XXXX, which is incorrect. The balance should reflect {$0.00}, and the account should be marked as discharged.

2. Inconsistent Reporting Across Bureaus : TransUnion and XXXX report different last reported dates, with TransUnion showing XX/XX/XXXXXXXX  and XXXX showing XX/XX/XXXXXXXX 
XXXX correctly reflects the bankruptcy discharge but retains an incorrect status as closed with balance. 

3. Violations of Federal Laws : Reporting an outstanding balance post-bankruptcy discharge violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting under 15 U.S.C. 1681e ( b ). 
This also violates the Bankruptcy Code, which mandates that discharged debts be reported as {$0.00} with no outstanding balances or ongoing collection activities.

4. Negative Credit Impact : This inaccurate reporting has harmed my credit profile and financial standing. I have been unfairly penalized due to these inconsistencies and errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against TransUnion, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where TransUnion has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as TransUnion 's, inaction violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Called XX/XX/XXXX XXXX XXXX XXXX call length - made certain that this transfer would not be allocated before payoffs of revolving charges as no information was provided with offer after reassurance from XXXX I deposited promotional no interest until XX/XX/XXXX check for {$5500.00}. 
Called XX/XX/XXXX XXXX XXXX XXXX after receiving statement with cleared promotional check asked for confirmation on the amount I would be required to pay to avoid any interest charges on purchases and agreed on number below : {$8300.00} from XX/XX/XXXX statement after rep indicated to avoid any interest I would need to pay purchases, plus minimum payment, then she corrected this to include purchases, plus minimum payment, plus fees. 

Purchases : {$7800.00} Fees Charged {$270.00} Minimum Payment Due {$130.00} Total : {$8300.00} XX/XX/XXXX Statement indicates Promotion : 0.00 % Expires XX/XX/XXXX and amount subject to interest rate {$2300.00} with XXXX ( XXXX ) interest charges. All other items are zero. 

On XX/XX/XXXX Paid XXXX to this card. 

XX/XX/XXXX Statement indicates : Was charged interest of {$62.00} on purchases of {$3400.00} even though I paid purchases in full. 
Was charged no interest on XXXX with XXXX subject to interest rate. 

Called XX/XX/XXXX XXXX XXXX XXXX and was told that this is not how it works that their call center misinformed me I stated it sounds more like lying that you can not decide how the payment is allocated and you would need to pay off the entire statement balance including the promotional amount in full to avoid any interest charges. Said a previous complaint was filed and that investigation of recorded calls would be added to the previous complaint. 
Called XX/XX/XXXX XXXX XXXX XXXX Called XX/XX/XXXX XXXX XXXX XXXX On calls above the customer service reps indicate that my statement is correct and that I can not control how the payments are allocated therefore interest will accrue contrary to what the previous customer service representatives told me on recorded calls. They called what their previous call reps told me misinformation as if they had no accountability to what they told me. 

Number one I called before using the check speaking on what was purported as a recorded line to understand how this check would work and weather or not I would be required to pay off the full balance including the promotional offer and the purchases to avoid interest charges and on multiple calls was told no I would not. 

Number two - The customer service rep even agreed the amount I would need to pay to avoid interest charges on purchases. 

Number three there are no written disclosures or any other explanation in writing on the offer letter or the offer check received in the mail they indicate to call their customer service number on the back of the card for any questions which I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Credit Report Errors Dear Experian, I am writing to formally dispute the inaccuracies in my credit report dated XX/XX/year>. Upon review, I noticed several errors that need correction. Specifically, some accounts are listed with incorrect statuses, such as delinquent or past due, when they have been paid in full. Additionally, some information appears outdated or does not belong to me. 

I filed a dispute due to errors in my credit report. Experian refused to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company accepted unreliable information and failed to inform consumers of the results of the dispute. This aligns well with my situation! Experian has not attempted to remove or correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house, car, etc. Experian violates my rights as a consumer, as well as federal laws. 

I kindly request that you investigate these discrepancies and correct or remove the inaccurate information by the Fair Credit Reporting Act ( FCRA ). Please notify me in writing of the results of your investigation at the address provided above. If additional information is required, please contact me at XXXX or XXXX. 

Thank you for addressing this matter promptly. I look forward to your response. 

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 2025-01-26 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: TX

Complaint narrative:
My credit report was not accurately assessed by your company. The following companies are not accurate : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX 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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to XXXX days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 
Transunion Accounts XXXX. Account Number : XXXX Balance : {$740.00} XXXX XXXXXXXX XXXX  XXXX. Account Number : XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX XXXX : {$420.00} XXXX XXXX XXXX. Account Number : XXXX Balance : {$440.00} XXXX XXXX XXXX. Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX. Account XXXX : XXXX Balance : {$64.00} XXXX XXXX XXXX XXXX. Account Number : XXXX Balance : {$350.00} XXXX This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies XXXX and transunion investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( transunion ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I filed a dispute on XXXX, XXXX & XXXX XXXX due to problem with the companies Experian and XXXX investigating XXXX my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ) ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX down to the XXXX and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
My Name is XXXX XXXX XXXX, and I am formally writing to dispute inaccurate information on my credit report as provided under my rights in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ). I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
This letter serves as a formal request to investigate and correct the following inaccurate items in compliance with the statutory requirements outlined in the FCRA. 
Furthermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S. Code 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report Please address this matter promptly and confirm the removal of the disputed entries.

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