vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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:
The Fair Credit Reporting Act (

15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-23 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: CA

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 2025-01-23 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: IL

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Experian : 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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I called and asked for information about a signigicant debt that was added to my account as a collection with absolutely no information posted on it at all. After calling I learned it was for XXXX XXXX XXXX  but I've never had a XXXX XXXX XXXX account that I owed. last time I had XXXXXXXX XXXX XXXX was in XXXX. It's a little late to add to an account I didnt owe isnt it? When I called and asked for information about the debt the first person hung up on me, XXXX calls later Im able to talk to another person where they told me it was for XXXXXXXX XXXX XXXX  and that it was recent. Again I have not been a customer of XXXX XXXX XXXX since XXXX. I asked them to send me information to the address on file in which they stated information has already been sent multiple times, Yet I have failed to receive it. They didnt even have my phone number on record until I called. I have strong reason to believe it is not my debt and they keep changing the date adding it as a new debt.

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I previously had a credit limit of {$500.00} at Chase, but after losing my job, I wasn't able to pay off my debt. Now, I owe {$700.00}. It's been XXXX  years, and it's still showing as a collection and charge-off on my credit summary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a transaction made through Zelle. 
I authorized a payment for a purchase of goods/services. However, the goods were never delivered, and the recipient is unresponsive. Despite my attempts to resolve this directly with the recipient, the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
Experian, XXXX XXXX, XXXX have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX XXXX XXXX on {$16000.00}. I contacted the companies involved with no 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called and cancelled this account in early XXXX. 

This account was reported without my written instructions. 
I have the right to privacy. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX has violated my rights to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

Should the dispute be with XXXX XXXX or Transunion Credit Agency?

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Attached are all the closed accounts that have been on my credit report for more than XXXX  years. Can we please have these removed. Its killing 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Attached are all the closed accounts that have been on my credit report for more than XXXX  years. Can we please have these removed. Its killing 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
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: NV

Complaint narrative:
i am filing a complaint against Equifax for failing to properly investigate my disputes, regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation into disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12.U.S.C. 5536 ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law, and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the XXXX credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXXXXXX. An personal credit card opened on XX/XX/XXXX at XXXX  that appears to be related to XXXX XXXX XXXX account number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: OH

Complaint narrative:
Consumer name : XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC1681C-2 ) that you, the XXXX credit reporting agency , block information appearing on my credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information appearing on my consumer report consist of personal credit card XXXX XXXX XXXX  opened at XX/XX/XXXX, under account number ( XXXX ) in the amount of {$310.00}, A credit line worth {$750.00} in relation a company name XXXX  account number # XXXX ) OPENED ON XX/XX/XXXX. An auto loan opened XX/XX/XXXX at XXXX XXXX  account number ( XXXX ) in the amount of {$10000.00} a collection accounts opened under XXXX XXXX in the amount of {$960.00} account number ( XXXX ) opened on XX/XX/XXXX that appears to be related to XXXX. An personal credit card opened on XX/XX/XXXX at XXXX that appears to be related to XXXX XXXX XXXX XXXXccount number ( XXXX ) in the amount of {$630.00}. A personal loan opened on XX/XX/XXXX account number ( XXXX ) that appears to be related to XXXX XXXX Another personal loan opened on XX/XX/XXXX in the amount of {$430.00} account number ( XXXX ). These accounts have resulted in several fraudulent and hard inquires appearing on my consumer fico credit report maintained by you which shows fraudulent items. I do not recognize the Aforementioned accounts, collections, or hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint case # ( XXXX ) as proof from the US federal trade commission that all of the aforementioned consumer report, accounts, collections and hard inquires are the result of identity theft. 


Fair solution : I request, pursuant toFCRAV605B ( 15USC 1681C-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquires identified by the CFPB Complaint from my consumer credit file within 4 business days of receiving said complaint. I request all written confirmation regarding this cfpb complaint be sent to me via email to XXXX Hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-01-23 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 Dear Experian, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations. 
The disputed accounts ) include : Account Number - XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experian 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including, police report, identity theft affidavit, account statements, previous dispute correspondence, etc. 

DEMAND FOR RESOLUTION

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 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: TX

Complaint narrative:
These accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Yes, my name is XXXX. XXXX and My house will rebuild by XXXX  XXXX XXXX. They tried sending letter out to my mortgage XXXX on XXXX occasion XXXX let them know that XXXX  plan office was taking over my house to be for it to be rebuilt. They didnt acknowledge none of the calls or anything so text XXXX XXXX to go on their own to go ahead and rebuild my house after they was in the process of reviewing My house. I got in touch with my mortgage company to let them know that the house was gon na be rebuilt because at the time I had full cover insurance to take care of the house I called insurance company. They told me to get back in touch with the mortgage company. I called the mortgage company and they told me that text XXXX office never notified them of the rebuild so they just totally ignored it After the tax office went ahead and build my home they start sending me letters, threatening letters about or closing and defaulting about the insurance and I sent insurance paper showing that that XXXX XXXX XXXX had issued my home up to a year after they built it they send the insurance and the XXXX insurance in and they stillpay full place insurance on my home and making me pay each month. They send in threatening letters to default if I dont pay and Im already have my house full insurance, but Ive been paying them over a year for insurance that I didnt need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION
State: NC

Complaint narrative:
I am writing to dispute an inaccurate item on my credit report that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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: NC

Complaint narrative:
I am filing a complaint against Cash App ( 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/year> I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an LLC of mines in XXXX. The mortgage was opened under XXXX XXXX XXXX, the mortgage was sold to XXXX XXXX XXXX which started reporting under me personally. I bought this property under my LLC, it needs to be removed from 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 2025-01-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/year> I received a credit alert that a new mortgage account was opened. I did open a new mortgage but the mortgage proceeding was closed in an XXXX  of mines in XXXX. The mortgage was opened under XXXX XXXX XXXX, the mortgage was sold to XXXX XXXX XXXX which started reporting under me personally. I bought this property under my XXXX, it needs to be removed from 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