vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent transaction that occurred on my account on XX/XX/2024. On that date, my account was hacked, and an unauthorized transfer of approximately {$90.00} was made through Zelle to a account named after XXXX XXXX zelle email used for transaction was email : XXXX. 

As soon as I realized the unauthorized transaction had taken place, I immediately contacted my bank, XXXX XXXX XXXX XXXX, for assistance. They directed me to the zelle department for further help. However, when I reached out to Zelle, I was informed that there was nothing that could be done regarding the fraudulent transfer. To my disappointment, no fraud report was initiated, and no justice or resolution was offered for the incident. 

I find this response completely unacceptable. As a customer, I expect that Zelle take immediate action when such serious issues occur, including investigating the fraudulent transaction and taking steps to prevent future occurrences. Instead, I was left with no assistance, no fraud report, and no guidance on how to resolve the issue or get my funds back. 

I urge you to review my case and take the necessary actions to resolve this matter. I expect a full investigation into this fraudulent transaction and a prompt resolution. I also request to be informed of any measures Zelle is taking to prevent such incidents in the future, as this has caused me significant distress and financial harm. 

Please confirm the receipt of this complaint and provide a clear action plan for resolving the situation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 have recently reviewed my Consumer report and noticed fraudulent accounts opened on my behalf. These fraudulent accounts consist lines of credits with the following creditors " Citizens Pay Line of Credit '', and " Valor Intelligent Process '' .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXXXXXX XXXX opened on XX/XX/XXXX ; XXXXXXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX XXXX, opened on XX/XX/XXXX ; and XXXX XXXX, opened on XX/XX/XXXX. Additionally, there are unauthorized hard inquiries from XXXX XXXX XXXX XXXX XX/XX/XXXX, and Universal XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and inquiries appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.SXXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 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.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent.

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent accounts listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has locked my account, preventing me from transferring money using XXXX. After many attempts to lift the restrictions on my account, Wells Fargo has taken the position that there is nothing they can do to lift the restrictions, and their system will automatically lift the restrictions at some future undetermined time. Wells Fargo could not provide me with a reason for why this restriction is in place, nor could they offer a resolution. I feel that this is a predatory attempt to hold onto my money indefinitely. I have escalated this as high as possible within Wells Fargo. I filed a complaint with their escalation team, with complaint ID XXXX. The complaint was taken by Wells Fargo employee XXXX XXXX over the phone.

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 2025-02-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
During the XXXX pandemic, my debt with XXXX XXXX XXXX was improperly sent to collections. The amount in dispute is ** $ XXXX, and the account was opened on XX/XX/year>. Since then, the debt has been repeatedly passed from one collection agency to another, leading to ongoing harassment and relentless calls from various debt collectors. 

Despite my efforts to dispute the validity of this debt, collection agencies have continued to pursue me aggressively. They have even falsified legal actions, making false claims about seizing my assets and taking me to court, which never materialized. These intimidation tactics have caused undue stress and financial hardship. 

Furthermore, this account has been improperly coded as an eviction and broken lease, which negatively impacts my ability to secure housing. This misrepresentation of my rental history is a violation of my consumer rights under **15 U.S. Code 1681s-2**, which prohibits the reporting of inaccurate or incomplete information by furnishers of credit data. 

I have made multiple attempts to obtain verification and documentation from XXXX XXXX XXXX, but they have failed to provide any proof validating the debt. As a result, I formally disputed the debt with XXXX, XXXX, and XXXX, requesting a proper investigation. However, they have failed to conduct a thorough review and continue to list the debt on my credit report without proper validation. 

This ongoing failure to investigate and verify an alleged debt that has been disputed for an extended period violates my rights under the **Fair Credit Reporting Act ( FCRA ) ** and the following federal laws : - **15 U.S. Code 1681s-2** Responsibilities of furnishers of information to consumer reporting agencies- **15 U.S. Code 1681i** Procedures for resolving disputed accuracy - **15 U.S. Code 1637 ( a ) ( 2 ) ( 9 ) ( A ) ** Requirements for disclosures related to credit extensions- **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e** Prohibition on false or misleading representations by debt collectors Given these clear violations, I am requesting immediate action to : 1. **Remove** this unverified and inaccurately reported collection account from my credit report.

2. **Ensure** that the eviction and broken lease codes are deleted as they were improperly assigned.

3. **Cease** any further collection attempts, as the debt has not been properly validated. 

I expect XXXX, XXXX XXXX and XXXX** to comply with federal consumer protection laws and conduct a **proper and thorough investigation** into this dispute.

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 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I had progressive insurance, cancelled it, about a year or two later ( estimated ) they placed a collection on my credit, now I cancelled the insurance so I shouldnt owe anything, but they are saying I owe nearly {$700.00} that I was never contacted about, not by mail or phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a long-standing customer of XXXX XXXX XXXXXXXX XXXX and I have always appreciated the good value and services I have received from XXXX XXXX XXXX I recently reviewing my annual credit report. I was surprised to see a late payment show history I have a perfect record of paying on time. 
I've sent a complain about this inaccurate information to Experian credit bureau and they it's been more than 30 days now and the problem have not been solved while XXXX XXXX has updated it already. I would like Experian credit agency to update my full report credit score, late payment, addresses, name phone number etc...

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 2025-02-11 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:
There are fraudulent accounts on my credit report. I have never, ever missed a payment. I can't get a vehicle or better housing because of these fake accounts. I have disputed them several times and made several reports to the fraud department. None of these delinquent accounts are mine. When I dispute, the companies just respond saying they are valid. Experian never does an investigation. They just accepted what the company says. The fraud department at Experian, just says to keep filing disputes. I got one copy of a chain of custody for a debt collector. No contact with my signature came with it. I received one copy of a contact, but it had someone else 's signature on it. There are over a dozen delinquent accounts, and only one can provide a signature and it's not even my signature. I can't get approved for credit at all. My XXXX XXXX is XXXX, and I have never missed a single payment in my entire life. If Experian would just investigate my disputes properly, they would remove those fake accounts. If CFPB can't fix the problem, I might have to file a lawsuit. I'm really having trouble in life because they don't want to follow the law. They respond to CFPB complaints by only saying we're still working on it. But there's still 16 fake accounts on my credit report. How many years will I be denied housing and transportation? Someone said it takes 7 years. Well I might have to sue Experian for 7 years of suffering they caused. If you were a jury, what would you say it's worth? 7 years in a rural area with no transportation and bad housing.

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