vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} Charged off XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 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: VA

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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I pay my paypal cashback XXXX  balance each month using electronic transfer from my checking account. XX/XX/XXXX the request for XXXX was rejected. All the checking account information used by paypal is correct and has not been changed since the autopay to paypal mastercard was set up years ago. There was sufficient funds in the checking account to cover the XX/XX/year> payment. No information was changed since the successful payment on XX/XX/year>. 

XXXX XXXX  sent me a letter, dated XX/XX/year> about the rejected payment instructing me to contact Paypal. I called the paypal customer service number provided in the XXXX XXXX  letter and paypal has refused to reimburse me for a XXXX late fee and about XXXX in interest for a problem I did not cause. 

That is, I had an autopayment set up through paypal to pay my paypal cashback master card balance each month, for some reason the XX/XX/year> payment was not processed by paypal. Paypal autopayment failed and paypal owes me the cost associated with that failure, paypal is refusing the reimburse me.

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 monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: DISCOVER BANK
State: MO

Complaint narrative:
I have credit in good standing with Discover Card company. My wife has a card in her own name in which she negotiated a settlement with the card company. Discover sent back a letter saying that they would cancel any other cards even if they have joint credit. My card is mine alone and yet they canceled it regardless of my good standing. My card is not affiliated to my wife. Therefore, they should not be discontinuing my use of the card which has always been in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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 Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 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 XXXX XXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/XXXX I made two purchases from XXXX XXXX XXXX XXXX. One for {$250.00} and one for {$44.00}. 
On XX/XX/XXXX I received an email from XXXXXXXX XXXX XXXX XXXX stating that event had been canceled. Event was to take place XX/XX/XXXX to XX/XX/XXXX. The email stated refunds would take 4-6 weeks to complete and up to 30 business days to reflect on my account.

I waited the duration and never received any refunds or correspondence from XXXXXXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I contacted my credit card company to file dispute claims for these charges. 
On XX/XX/XXXX Credit card company put temporary credits on my account and sent me letters referencing the disputed claims. 
On XX/XX/XXXX I received a letter from credit card company that the {$250.00} had been resolved and indicates I had been credited this amount. As of today I have not seen it applied back to my account. It stated merchant credit was staying on the account and credit card company was removing the temporary credit. It states I would receive a purchase adjustment on my statement in the next 2 billing cycles or sooner. 
On XX/XX/XXXX Credit card company put the {$230.00} charge back onto my account but no refund from merchant. 
On XX/XX/XXXX Received an email from XXXX XXXX XXXX XXXXXXXX that amount had been fully refunded {$250.00} to my credit card. On XX/XX/XXXX Received an email from XXXX XXXX XXXX XXXXXXXXXXXX that amount had been fully refunded {$44.00} to my credit card. 

On XX/XX/XXXX I contacted credit card company again and they sent me a letter stating the dispute had been resolved with the XX/XX/XXXX letter attached. 

I have waited the 2 billing cycles and still have not seen the refunds applied to back to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit 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 explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on my credit 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 2025-02-27 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP
State: MS

Complaint narrative:
I contacted the company back in XXXX of XXXX asking if my current home loan was assumable. I was informed that it was however I had to have a final divorce decree before I could start the process. I was sent the paperwork for assumption and the day after my divorce was finalized I sent in the packet and a {$900.00} check to begin the process. This was on XX/XX/XXXX. Ever since then, I have been dealing with the kickbacks from the assumption department saying that they do not have all of the required information. They do not communicate and I am the one having to reach out to find out the status of my loan. I have tried emailing the account holder as well as her superior. I have informed them that I have had to recently obtain another attorney due to this issue and then I received a final notification from the mortgage company stating I only had 10 days left on the current process. I have now been working on this for 6 months and they have yet to approve my assumption and are now asking for another set of 'missing ' information. It also needs to be known that I have, alone, been making these mortgage payments since XX/XX/XXXX since my ex-husband walked out on me and our XXXX children. It is evident that the payments have been made because you can clearly see the withdrawals coming out of my account per the bank statements that they keep requesting. This is also on a teacher 's salary. As part of this process, they have run my credit score multiple times which I get penalized each time they run it in their error to be sufficient in getting this matter handled. My last XXXXredit score on XXXX is a XXXX and the highest is a XXXX. I will be glad to provide all communication that I have had with the company via email as well as providing copies of the forms I have submitted and notes I have personally taken in regards to this matter. I have gone as far as contacting other mortgage companies in regards to this situation and they have clearly stated that they believe that I am getting the run around from the current mortgage company because I am a single mom of XXXX on a teacher 's salary.

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
I signed lease paperwork XX/XX/XXXX with XXXX XXXX for a XXXX XXXX XXXX in XXXX XXXX, MA. The VIN number is XXXX and provided a down payment of {$5600.00}. We had it for approximately XXXX weeks then discovered a wiper issue. So we thought. We contacted the dealership, and was advised to bring it in for repair. We were advised the motor needed to be replaced and part was to be ordered. After a couple of weeks, we were advised it was not the wiper motor, but now the harness needed to be replaced. We were told this was a major job and parts needed to be ordered. After a few weeks of no information, we were informed that there were more issues, and the service could not resolve them and an engineer needed to look at the vehicle from XXXX. The XXXX Department advised I open a case, since there were major issues with the vehicle, I opened a case with the manufacturer. ( The case No. is XXXX ) The vehicle has been at XXXX XXXX since XX/XX/XXXX. I have spoken at XXXX XXXX XXXX, XXXX XXXX and to date, no resolution. XXXX is approaching and I am making monthly payments along with insurance payments. 
These defects substantially impair the use, market value or safety of the vehicle under the XXXX XXXX XXXX. I was informed by XXXX from the XXXX Department ( XXXX ) that the vehicle was deemed a XXXX and falls within the XXXX XXXX criteria. This is my son 's vehicle, and I do not want him driving a vehicle where safety XXXX be an issue. The case XXXX, XXXX XXXX, does not return my calls at all. I've been told they are supposed to return calls within XXXX hours I really need assistance with this situation. 
. 
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 explanation
Consumer complaint received 2025-02-27 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: T.S. Holdings
State: AZ

Complaint narrative:
I reached a settlement agreement with I.Q. Data International , INC on XX/XX/XXXX. Their representative, XXXX XXXX ( XXXX. XXXX ), confirmed that if I made two payments totaling {$5900.00}, the account would be settled and deleted from my credit report within 30-45 days. I fulfilled my part of the agreement by making payments on XX/XX/XXXX ( {$4500.00} ) and XX/XX/XXXX ( {$1400.00} ). Despite this, the collection agency has refused to instruct the credit bureaus to delete the account, and the credit bureaus ( XXXX, XXXX, and XXXX ) continue to report the collection, harming my credit score. 

I have sent dispute letters via certified mail to both the collection agency and the credit bureaus on XX/XX/XXXX, including proof of my settlement agreement, payments, and written disputes. The collection agency has been dismissive, and the credit bureaus have failed to correct the inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). This is misleading, unfair, and a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: NC

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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