vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: MI

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 2025-01-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
This bill was previously deleted for being an incorrect collection early 2024. I do not owe this debt and have never signed a contract with this company or collection agency for that matter. I have never signed up with XXXX  at all ;

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 2025-01-24 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient informed me that my private student loan was in default and in XX/XX/XXXX I agreed to pay the amount they requested to settle the account. Their exact email said Once all payments have been made per the terms of the settlement agreement, any remaining balance will be forgiven, and the status will be reported as " paid in full for less than the full balance '' to the consumer reporting agencies. They accepted a payment of {$6000.00} on XX/XX/XXXX and never mailed or sent me any physical documentation. When they transferred all accounts to XXXX, they ( Navient ) reported my settled account as delinquent/charged off and have been negatively reporting every month since. I never had an official loan agreement with Navient- the loan I took out and agreed on was with XXXX XXXX XXXX There is no way to get into my Navient account to verify any loan documents and there is no way of contacting them, yet they continuously report negatively to the credit bureaus. They went against their own settlement terms and are now falsely reporting and every time I dispute to XXXX in particular, the information just gets incorrectly edited and not removed or adjusted. All reporting should have stopped as of XX/XX/XXXX or at least switched to positive or current. This has significantly impacted my financial and XXXX XXXX and is unacceptable from a company that is no longer allowed to service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report. 
Credit XXXX # XXXX - XXXX and XX/XX/XXXX Capital XXXX # XXXX - XX/XX/XXXX These late payments could not possibly be accurate, for I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Enclosed is a copy of the order setting the conditions of my release signed by a United States XXXX XXXX and the Deputy Clerk from the United States XXXX XXXX for XXXX XXXX XXXX XXXX Pennsylvania. I was under federal detention for XXXX years straight, so I respectfully request that you immediately delete/remove the late payments from this account being as though I was incarcerated under federal detention. I am also enclosing a copy of my Pennsylvania I.D . and a copy of my credit report. 
I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-25 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: PA

Complaint narrative:
I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX  # XXXX - XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX - XX/XX/XXXX These late payments could not possibly be accurate, for I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. Enclosed is a copy of the order setting the conditions of my release signed by a United States XXXX XXXX and the Deputy Clerk from the United States XXXX XXXX for XXXX XXXX XXXX XXXX Pennsylvania. I was under federal detention for XXXX years straight, so I respectfully request that you immediately delete/remove the late payments from this account being as though I was incarcerated under federal detention. I am also enclosing a copy of my Pennsylvania I.D . and a copy of my credit report. 
I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX  ) that you, the EQUIFAX credit XXXX XXXX XXXX XXXX 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 a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at FB & XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
I am writing to formally raise a complaint regarding the negligence and non-compliance observed in my dispute investigations. It has come to my attention that EXPERIAN XXXX XXXX have been conducting sham investigations. 
As a result of this negligence and non-compliance, my credit score has been affected in a negative way. These actions are in direct violation of our agreement and have caused significant disruption and harm. 

I hereby request the following actions to be taken to address this issue : IMMEDIATE DELETION OF ALL INCORRECT ITEMS ON MY CREDIT REPORT I expect a prompt and satisfactory resolution to this matter. Please consider this letter as a formal notice of complaint and a request for remediation. I anticipate a response within 30 days. Should you require any additional information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
I had credit card accounts discharged/closed. Third party creditor brought the accounts, reopened and say I owe them. I never opened any accounts with these third part creditors. They shouldn't be allowed to do that. I disputed with all 3 credit bureaus and they refused to remove. Been on my credit over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
This account was closed XX/XX/year>. This account was also paid in full. As I recently reviewed my credit report I seen that this account has inaccurate payment history. Across all credit bureaus it is reporting a different payment history. Please delete this account as it is reporting inaccurate information on my credit report and hurting my ability to obtain credit.

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 2025-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Original debt was with XXXX, they charged off the debt but did not provide me with a XXXX. They in fact sold it to NCB management. Since XXXX charged it off they would have received a profit loss tax credit without benefit of the XXXX to me. I have not been able to obtain the form from them and feel that they are being fraudulent. NCB is stating that the account was opened in XX/XX/year> when in fact XXXX charged off the debt five years ago. Since they wrote off the account, I no longer owe it per the above. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
IAM WRITING TO FORMALLY EXPRESS MY CONCERNS REGARDING ZELLE HANDLING OF DISPUTES. DESPITE USING ZELLE NUMEROUS TIMES AND REPORTING DISCREPANCIES, MY FINANCIAL INSTITUTION AND ZELLE FAIL TO INVESTIGATE MY CLAIMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
Due to your data breach I have seen incorrect accounts and amounts owed 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 2025-01-24 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: MI

Complaint narrative:
Due to your data breach I have seen incorrect accounts and amounts owed 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My consumer laws are being violated. Ive never received a XXXX in order to account for this as income. This debt is a charge off/written off by consumer, however this is considered as an income and income is not supposed to be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracies and my credit report despite my submissions Equifax constantly response within XXXX hours stating the account is accurate without providing any evidence of the thorough investigation. The practice violates the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which mandates a responsible investigation of disputes. Furthermore, Equifax actions may also contravene the consumer financial protection act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding ( File No XXXX ) against them for similar violations I requested the CFPB take action to ensure Equifax compliance with federal law and provide consumers with the necessary proof of investigation. I am referring to both capital one accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KS

Complaint narrative:
XXXX, XXXX, and transunion have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have 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 the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXX XXXX - {$480.00} Credit collection services- {$480.00} XXXX XXXX XXXX {$530.00} XXXX funding - {$600.00} Credit collection services- {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX  - {$1200.00} XXXXXXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX  {$390.00} XXXXXXXX XXXX XXXX {$1300.00} XXXX  - {$3700.00} XXXX  - {$7500.00} XXXX XXXX  XXXX {$52.00} Ccs collections XXXX {$470.00} Ccs collections - {$690.00} Ccs collections - {$740.00} XXXXXXXX XXXX  - {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: KS

Complaint narrative:
Experian, XXXX, and XXXX have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against experian alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have 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 the inactions violate the federal law and my rights. Please remove the below accounts immediately : XXXX XXXX XXXX - {$470.00} XXXX XXXX - {$480.00} Credit collection services- {$480.00} XXXX XXXX XXXX {$530.00} XXXXXXXX XXXX - {$600.00} Credit collection services- {$650.00} XXXX XXXX  - {$690.00} XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$1600.00} XXXX - {$4400.00} XXXX XXXX XXXX$1200.00} XXXXXXXX XXXX  - {$970.00} XXXX XXXX XXXX - {$390.00} XXXXXXXX XXXX  XXXX {$1300.00} XXXX - {$3700.00} XXXX XXXX {$7500.00} XXXX XXXX XXXX {$52.00} XXXX XXXX XXXX {$470.00} XXXX XXXX - {$690.00} Ccs collections - {$740.00} XXXX XXXX - {$900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation