vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Dispute asking for the XXXX of your profile and use XXXX XXXX. XXXX of the Federal Fair Debt Collection Practices Act and request proof of the alleged debts release by the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
I am writing 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 of 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: VA

Complaint narrative:
I am filing this complaint against Equifax for failing to provide requested documentation validating debts listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive verification of any and all debts reported in my credit file, including documents containing my signature. 

I have repeatedly requested signed agreements, contracts, or any documentation proving my legal obligation to pay these debts, but Equifax has failed to provide sufficient evidence. Instead, I have received either no response or generic statements that do not address my request for proper validation. 

I first submitted my request on through [ method online dispute process, and followed up. Despite my efforts, Equifax has not provided any documentation confirming the legitimacy of these debts, nor have they removed the unverified accounts from my credit report. 

This failure to provide proper validation is a violation of my consumer rights under the FCRA ( XXXX XXXX. XXXX & XXXX ). Equifax is required to investigate disputed items within 30 days and provide supporting documentation from the original creditor. If they can not verify the accuracy of the debts with the proper legal documentation, these accounts must be removed from my credit file immediately. 

I am requesting that Equifax either : 1. Provide valid documentation with my signature proving the legitimacy of these debts within the required timeframe.

2. Immediately remove all unverified debts from my credit report and provide written confirmation of the deletions. 

If Equifax fails to comply, I will explore further action, including legal complaints for noncompliance with FCRA regulations. Their failure to respond appropriately has caused undue harm to my financial standing, and I am seeking immediate resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this formal complaint regarding the unfair and harmful practices of ChexSystems and XXXX XXXX XXXX XXXX XXXX XXXX, which have unjustly impacted my access to personal and business banking and funding opportunities. Despite having an excellent credit score and no prior issues opening or maintaining bank accounts, I have recently been denied access to financial services due to information reported by these agencies. This denial has caused significant hardship and stalled my business operations. 

I have taken extensive steps to address this matter, including opting out of their reporting services and directly disputing any inaccurate or unverifiable information they claim is associated with my accounts. Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), these agencies are legally required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. I have requested proof of validity regarding the errors they allege and proof of any accounts they claim I am associated with on multiple occasions. Despite my repeated efforts and the documentation I provided, including proof of my identity and the circumstances surrounding this issue, they have failed to comply with these legal obligations and have not validated their claims as required under the FCRA. I called and requested this information and they have been stalling, telling me it would take 30 days. It has been over 3 months now. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and a data breach involving my personal information, which could be contributing to the errors reported. ChexSystems and XXXX have been notified of these critical details and have been provided the necessary documentation to validate my identity and investigate the dispute properly. Their failure to provide proof of any legitimate basis for the denials or correct the inaccurate reporting has caused ongoing delays, restricted my access to financial resources, and created unnecessary stress and hardship for me and my business. 

I am seeking immediate intervention and enforcement of FCRA regulations ( XXXX XXXX XXXX XXXX XXXX XXXX regarding accurate reporting and XXXX regarding dispute resolution ). I request that these agencies be held accountable for their non-compliance and that any unverifiable or inaccurate information affecting my banking access be corrected or removed promptly. Thank you for your attention to this matter.

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 2025-02-01 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: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  require the XXXX 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 : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$820.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX 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/year>

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
I received a email say they were closing my account for wrongful conduct according to their rules. And I refused to accept that. And ask for proof and a statement detailing why they were doing this to me. I am XXXX and I can't get out and around much. And I even asked if they would put it off a until I had time to find another bank and get the process started. I told them that cash app was how I paid my bills. I would lose my car my house my electric. I was just living from check to check anyway. I begged please don't do this to me. And they never answered me back. And way I lost almost everything I had. Cause they would give me time to find another bank. They would even consider trying. I wasn't costing them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report.

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 2025-02-01 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report.

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
This account doesn't belong to me & the company nor its collections agency has any proof that it does.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I deplored {$XXXX} on XXXX investment app. As soon as my deposited cleared from my bank, they restricted my account so I am unable to transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This debt is not valid nomore. Please delete immediately. 
This is error

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
I have an American Express credit card. I opened the account on XX/XX/XXXX and the monthly bill is due in full every month. AMEX automatically pays the full bill from my AMEX bank account and there is nothing I need to do to pay the bill as they take care of taking the money from my AMEX savings account. 

On XXXX and XX/XX/XXXX, AMEX reported the bill was not paid for both months to all three Credit Bureaus. This was incorrect as the bank paid the bills automatically as it has always done. I called AMEX and requested why this was incorrectly reported and they could not give me an answer other than to say the bills were paid for both months automatically and that my account was in good standing and has never missed a payment. They also said I needed to contact the credit bureaus and dispute the erroneous information. I did so, and the Credit bureau stated I need to contact AMEX to address the issue. They both just went back and forth about who to call and did not fix anything. I also made disputes with the credit bureaus which went nowhere. I have done this XXXX times already and only XXXX of the XXXX errors have been corrected. 

I still have the second error on my credit report listing as unpaid. This caused my XXXX XXXX to drop from XXXX to XXXX and it appears nothing is being done about removing the second erroneous and negative credit entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This debt is not valid, the debt is already delete on all XXXX credit bureaus. Please delete immediately.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Im filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable. Their dispute resolution process was unfair and deceptive, violating error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I paid for XXXX pieces of furniture through XXXX and my JP Morgan Chase bank account. I had previously purchased from this business using XXXX and had no issues. I know the person and the business and they have been registered with XXXX a long time. I never received the merchandise and the business stopped responding to requests for the merchandise or a refund. I received a letter from JP Morgan Chase even dated the same day I reported stating they would do nothing and the matter was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such 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 explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating 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 of disputes. Furthermore, XXXX '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 that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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