vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my 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 2025-01-31 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: OH

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failing to correct inaccurate information on my credit report despite multiple disputes. Their negligence in upholding the Fair Credit Reporting Act ( FCRA ) has resulted in significant emotional and financial hardship. 

Despite submitting disputes on XX/XX/year>, XXXX, and XXXX, All the creditors ands collection agency I mentioned failed to conduct a reasonable investigation and instead verified false information without reliable proof. This has resulted in : Significant Damage to My Credit Score, limiting access to affordable credit.

Financial Hardship, due to higher interest rates and loan denials.

Emotional Distress, from repeated failed attempts to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app wrongfully restricted my account. Charged me fees and did not have phone support for me to contact which is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

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 explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this statement in reference to a dispute concerning inaccuracies within my credit report. Below is a summary of my concerns and the request for further investigation : I hereby request confirmation that all information being reported on my credit file is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ), as well as any other relevant consumer protection laws. I expect that only current, true, correct, and complete data will be retained in my file. Any information that fails to meet these standards and does not comply with applicable regulations must be immediately removed.

I DO NOT authorize the reporting of any inaccurate or misleading information, whether past, present, or future, and I require that a thorough review of my credit file be conducted to ensure full compliance with the laws governing credit reporting. It is my legal right to demand these corrections, and I request prompt action to resolve this matter. 

I have identified specific information that I believe is inaccurate, and I demand that you investigate the following discrepancies. Please review my attached dispute letter for a detailed list of the issues in question. 

I trust that you will handle this matter with the utmost priority, as I am entitled to a credit report that accurately reflects my financial history. I kindly request written confirmation of the actions taken and any updates regarding the results of your investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: TX

Complaint narrative:
This account was opened fraudulently.. I had no knowledge of this account until it posted on my credit app.. someone stole my identity and opened multiple accounts using my name and social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
I have contacted company on occasions to dispute charges. They always deny them even with documentations they never reach out to you for a question and answer or to send more documents that just go ahead and deny them they dont care what the reason is for they never properly investigate any dispute. All they say is they dont found any reason and they found the charges as accurate. Its like they working with the debt collectors. I asked him how do they find this accurate and they dont respond.

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 2025-01-31 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: PNC Bank N.A.
State: IL

Complaint narrative:
I do not recognize this inquire. Nor did I apply for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-31 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Company is reporting that I have XXXX late payments on my credit report, which I have proof that Ive paid the loan throughout the duration of the time theyve reported it was late. They also closed my limited checking account that I opened with them that I intended to only use as an account that I would pay the loan from, without my knowledge or reason to why they closed my account. Which made it difficult to transfer money from an external account, which also resulted in late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
Company is reporting that I have XXXX late payments on my credit report, which I have proof that Ive paid the loan throughout the duration of the time theyve reported it was late. They also closed my limited checking account that I opened with them that I intended to only use as an account that I would pay the loan from, without my knowledge or reason to why they closed my account. Which made it difficult to transfer money from an external account, which also resulted in late fees.

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 2025-01-31 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: AZ

Complaint narrative:
Company is reporting that I have XXXX late payments on my credit report, which I have proof that Ive paid the loan throughout the duration of the time theyve reported it was late. They also closed my limited checking account that I opened with them that I intended to only use as an account that I would pay the loan from, without my knowledge or reason to why they closed my account. Which made it difficult to transfer money from an external account, which also resulted in late fees.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I asked Experian to correct my name and delete all the names that is not my correct.

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 2025-01-31 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: NY

Complaint narrative:
I sent collection removal requests to all XXXX bureaus ( Equifax, Experian and Trans Union ) to have the following collection accounts removed from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Certified Postal debt validation letters on XX/XX/year> to all the above mentioned Collection agencies and i have not as of the date of this request received any response from either of the collection agencies. So by law they have XXXX days to respond to my request and as i have stated i have not received any correspondence from either collection agency. I then requested from all XXXX above mentioned Credit reporting Agencies that all above mentioned collections be removed from my credit report immediately. As of the date of this request the collection accounts are still on my consumer 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 2025-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
It starts out that I bought a vehicle which I should not have, but we were lured XXXX or XXXX hours to a dealership by the possibility of a great deal. The vehicle had conveniently " just been sold '' when we got there and exhausted we went through with a very bad deal. That aside the bank that gave us a loan was 5th 3rd bank and when I lost my job do to a health issue, I tried to work with them ( difficult to do with a {$900.00} a month payment on a XXXX XXXX XXXX vehicle ) and they worked some what with me, although there " help '' just made it harder to get caught up. My husband and I finally had to stop making payments when the truck broke down to a common issue with these trucks that somehow the manufacturer has never had to deal with. I told them if they wanted to repossess the truck they should know that the engine was no good and my husband ( who used to be a mechanic ) had taken it out to try and fix or replace it and that the truck was parked in a tight place and would be hard to remove but they were welcome to try as long as they didn't damage my house or fence. Months went by without a peep. We saw the truck was written off by the bank. Still no one came. Then a lady in XXXX  started calling our family members asking them about us. We never got a call from them directly. I called them when my family told me about it. The lady was nice at first and then when I told them that it would be a few weeks until we could get the parts together, remove our belongings, and have it ready for them because of a foot injury my husband has, she got really pushy and rude on the phone. She said she had sent people out and they had left cards and we never contacted them. I have a doorbell camera and on the camera we only saw a tow XXXX XXXX past our house a few times at XXXX XXXX on XXXX single night but they did not come to the door or leave a card. This morning, at XXXX XXXX a tow truck driver rang our door bell and called me several times. There is no reason other than to harass and intimidate my family ( including XXXX young kids that have to be up at XXXX XXXX  for school ) to come at this time of night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
My information was breeched multiple times from XXXX. I went through XXXX app to dispute the companies and they are still processing the information on my credit. I asked that they remove those accounts immediately and they failed to do so and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a 1099-K with XXXX XXXX , Inc. https : //cash.app/contact. The 1099-K says I received 119 payments in XX/XX/year> totaling {$2100.00}. I have a CashApp account, but Ive never received any payments on it. I cant think of anything Ive done or received that relates to this piece of paper. 

I contacted CashApp via the support function in the app, by email, and by telephone. Although the individual people I talked to were nice, they were not able to do anything helpful. CashApp support said I should talk to someone with CashApp Taxes. CashApp Taxes said I should talk to regular CashApp. People on the app sent me links that didnt work. People on the phone offered to send me an email link. People on email gave me the same phone number to call. 

I do not have a CashApp Taxes account. This 1099 form is a mistake or a scam, but XXXX cant get any information to help me figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX of XXXX XXXX XXXX is reporting on my credit report XXXX separate accounts with late payments also while reporting I owe {$0.00} and that the accounts are closed.

Company response to consumer: Closed with explanation