vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX for failing to investigate and correct fraudulent accounts, derogatory items, and inaccurate personal information on my credit report. 

In XX/XX/XXXX, I was a victim of identity theft, and fraudulent accounts were opened in my name, including XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). Despite providing police reports and fraud affidavits, these accounts remain on my credit file, violating FCRA Section 605B.

Additionally, multiple charge-offs, repossessions, and derogatory accounts ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX and XXXX XXXX XXXX XXXX despite improper verification under FCRA XXXX XXXX. I also have unauthorized inquiries ( XXXX XXXXXX/XX/XXXX XXXX and incorrect personal information. 

The CFPB recently sued XXXX and Experian for failing to conduct proper dispute investigations, and my case aligns with this pattern of negligence. I demand : Removal of fraudulent accounts and unauthorized inquiries Deletion of incorrect derogatory items Correction of personal information Failure to act will result in legal action under FCRA Sections 616 & 617. I request CFPB intervention to ensure compliance. 

Sincerely, 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 2025-02-04 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: MA

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 was 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
I contacted the company to inform them that I was unaware of the charges on my credit report and am sending a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, TransUnion consistently responds within 24 hours, asserting that the disputed information 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 requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information. Additionally, TransUnions actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations . 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take appropriate action to ensure TransUnion complies with federal law and provides consumers with verifiable proof of a proper dispute investigation, rather than issuing automated, unsupported responses.

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 2025-02-04 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 

XX/XX/XXXXXXXX XXXX Balance : {$75000.00} XX/XX/XXXX XXXX Balance : {$4900.00}

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
Consumer complaint received 2025-02-04 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:
XX/XX/XXXXl XXXX account number XXXX. I see that this account has charge-off status and yet there is a past due balance on your report, do you know IT IS A VIOLATION? I urge your agency to reinvestigate this account and ensure that correct, fair and complete reporting is given. I do not believe the status of this account is ACCURATE either, as required by FCRA Laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Dear TRANSWORLD SYSTEMS I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with [ Account Number, if available ]. 
Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop all contact with me immediately. This includes, but is not limited to, phone calls, letters, emails, or any other form of communication.

If you believe this debt is valid and intend to take legal action, you may communicate with me only for the purpose of informing me of such action. Otherwise, any further contact from your agency will be considered harassment and a violation of federal law, for which I will not hesitate to take legal action.

Please provide written confirmation that you have received this request and that all collection efforts on your part have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax deleted the things I requested off of my report and then added them back. XX/XX/year>2025 my fico score was XXXX and XX/XX/scrub>/2025 it dropped XXXX on equifaxs behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX 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 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , 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 following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaint # XXXX : Credit Card Account : Opened at XXXX XX/XX/XXXX( XXXX XXXXXX/XX/XXXX) on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$3300.00}. 

These fraudulent activities have also resulted in several hard inquiries on my credit report, which I did not authorize. Below is a list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts and related hard inquiries have caused harm by negatively affecting my credit score and overall financial health. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts or hard inquiries. The accounts and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date opened inconsistentis illegally reading account Just to inform you I wan a victim of identity theft. My personal information was leaked via the XXXX data breach which happen in 2017 and my engagement number is provided in identity theft affidavit to show proof that my information was impacted by this situation. This account is the result of identity theft. Also I notice that you are illegally re aging account which is a violation of the fcra to ensure maximum possible accuracy. This negative mark have had an impact on my credit worthiness and have lowered my credit score significantly. I also was turned down a loan I needed as well which is considered actual damages and that itself was over {$5000.00}.

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
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Upon requesting an XX/XX/XXXX REPORT, I encountered some ghost bank transfers that I am currently unaware of through myXX/XX/XXXXXXXX bank ending in XXXX and Wells Fargos account ending in XXXX. Ive tried to review some past account statements that are currently frozen through my online account with no access available. The ghost transfers date back through the years of XXXX. I am not fully aware if the transfers date back further but I would like to have these fully investigated with as much information back as possible. Statements to these transactions are frozen through the banking site.

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 2025-02-04 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: GA

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 consistently responds within 24 hours stating the accounts are accurate, with out 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 of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Equifax comp [ lies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that are marked inaccurate : XX/XX/XXXX XX/XX/XXXX- ACCT # XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach on XXXX and XXXX I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** XXXX XXXX XXXX {$400.00} **Personal Information : ** - Name : XXXX XXXX - Addresses : XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX - Date of Birth : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am writing to formally dispute the accuracy of an account reported on my credit report. Pursuant to 15 USC1681 of the Fair Credit Reporting Act FCRA I request that you investigate and verify the accuracy and legitimacy of the following account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank runs promotions on the XXXXXX/XX/XXXX. One such promotion promised a {$200.00} rebate if a {$400.00} or more " purchase '' was made from XXXX through XX/XX/XXXX. I made such a purchase and have a confirming email from XXXX dated XX/XX/XXXX at XXXX XX/XX/XXXX. CST. 

Apparently due to the XXXX XXXX 's holiday, XXXX did not " post '' my {$970.00} " purchase '' until XX/XX/XXXX. 

I have called Chase Customer Service three different times. The first call was on XX/XX/XXXX when I noted no refund/rebate was in my account. Chase refused to honor its promotion saying the promotion depended on the " posting date. '' However, that is not true. ALL promotions have always provided a deadline for " purchases. '' This makes sense because a customer can control the purchase date, but can not control the date a vendor " posts '' a transaction. My complaint was " escalated '' to the " Marketing department ''. I asked that I be able to send in a copy of XX/XX/XXXX 's XX/XX/XXXX purchase confirmation, but I was told I could not. 

On XX/XX/XXXX, I again called Chase Customer Service. I explained the situation and again requested that I be able to send them proof of the XX/XX/XXXX purchase. Again, I was denied that opportunity because there was no way per the agent to get the information to the marketing department. 

In XX/XX/XXXX I again called Chase Customer Service and we went through the same discussion, again, with a promise of " escalation '' but no way to submit my documents. 

Additionally, I received a letter dated XX/XX/XXXX from Chase denying my " escalated '' complaint. 

Chase simply refuses to follow its own advertised promotion. I relied on that promotion for my purchase from XXXX and expect my {$200.00} refund/rebate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports, This Account Does Not Belong to Me, Please Remove. FCRA XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have already reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the entity responsible for the inquiry, requesting the immediate removal of their credit inquiry from my profile and the cessation of their illegal activities. However, I have not received any response from their office within the XXXX business days since sending the letter, and my request has not been honored.

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 2025-02-04 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: OH

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. 15 USC 1681 ( b ) Violation Of Permissible Purpose Consumer Reports, This Account Does Not Belong to Me, Please Remove. FCRA XXXX XXXX ( XXXX ) XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine. FCRA XXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have already reached out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the entity responsible for the inquiry, requesting the immediate removal of their credit inquiry from my profile and the cessation of their illegal activities. However, I have not received any response from their office within the XXXX business days since sending the letter, and my request has not been honored.

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