vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Dear [ Recipient 's Name ], I am writing to formally dispute inaccurate information contained in my consumer report, as well as to address your non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o ( Civil Liability for Negligence ). As a consumer, I have the right to accurate reporting, and failure to maintain these standards has caused harm to me.I recently reviewed my credit report and found inaccurate and misleading information that is adversely affecting my creditworthiness. These inaccuracies include : [ Describe the inaccurate information : Account name, account number, date, and nature of the error ] [ Additional inaccuracies if applicable ] Under the FCRA, credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of consumer reports. Your failure to conduct a reasonable reinvestigation and correct or delete inaccurate information violates the law. Additionally, your negligence in handling my dispute and ensuring compliance with federal regulations has resulted in financial and emotional distress.I demand that you immediately investigate and correct the inaccuracies or provide documentation verifying the accuracy of the reported information within 30 days, as required by law. Failure to comply with my request may result in legal action, including seeking damages for your negligent non-compliance, as provided under 15 U.S. Code 1681o.I have attached copies of relevant documents, including my credit report and any supporting evidence, to facilitate your investigation. Please provide a written response confirming the corrections or explaining your position within the legally mandated timeframe.If this matter is not resolved promptly, I will explore further legal options, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal redress.I appreciate your immediate attention to this matter. Please contact me at your earliest convenience to confirm receipt of this dispute and provide a resolution timeline.Sincerely, XXXX XXXX [ Your Contact Information ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>... I transferred {$2000.00} from my XXXX bank acct via Zelle to my friends account, which is XXXX XXXX. I did call XXXX and think about cancelling the transfer, but the banker told me that would close my friend 's account. I stated no. I don't want his account closed and I want him to have the transfer. She said no problem. Later we find out his Zelle is closed and banned for fraud. He never asked for any money from me. I simply sent it, because I wanted to do something nice as a gift. The bankers at XXXX have admitted fault and apologized and actually had to withdraw a claim that shouldn't have ever been processed. They said my friends Zelle should be working within XXXX hrs. That was over a month ago. My friends name is XXXX XXXX. His Zelle phone number is ( XXXX ) XXXX. XXXX XXXX transfer ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have several inaccurate payment statuses between my XXXX credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, equifax and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have several inaccurate payment statuses between my XXXX credit reports which to my knowledge USC 1681e ( b ) and 15 USC 1681i ( 5 ) which state that all information on my credit report must be 100 % accurate across all three credit reporting agencies otherwise the account must be updated to reflect as accurate or removed from my report, and by law, I would like to have several accounts removed. 

My transunion, XXXX and experian do not reflect the same credit, my singular name and accurate payment dates. I have serval accounts that have changed or back dated payment date statuses from unknown to current to charged off. 

I also received several notifications about my information being compromised during the data breach and Im getting a lot of spam mail, text messages and calls.

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 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
so in XX/XX/year> my son had severe stomach ache and we took him to the ER where he was examined and at the checking desk we had provided all the necessary billing information and the insurance information but for some reason which we are unaware of the hospital did not takedown the correct information or did not keep a correct record of all the documents as now after almost XXXX years they are sending letters through a debt collector to collect the debt which we were not aware of and even though if they would have billed the insurance the amount owed should not be what they are asking for the amount owed as of their records is {$2900.00} but if they would have billed the insurance this should be taken care of by the insurance and we would have just been responsible the pay the co pay we don't mind paying as we agree that we did use the services please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
Disputes with cash app multiple times with things being taken from my account and me not being able to get ahold of any one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
XXXX XXXX XXXX feather XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : Dispute of Incorrect Information Under the Fair Credit Reporting Act Dear Experian, I am writing to formally dispute the inaccurate and incomplete information currently reflected on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request a reasonable and thorough investigation of my consumer report. Please consider this letter a formal request to investigate and delete the following accounts, which I believe to be erroneous : XXXX XXXX XXXX XXXX : {$360.00} Account Number : XXXX XXXX XXXX Amount : {$1800.00} Account Number : XXXX I am requesting that both accounts be removed from my credit report, as they were not properly verified or investigated. It is my understanding under the FCRA that a credit reporting agency like Experian must conduct a reasonable investigation and delete any information that is found to be inaccurate or unverifiable. 

Please provide me with the results of your investigation within XXXX  days, as required by the FCRA. If the information can not be verified, I request that you immediately delete these accounts from my credit report. 

Additionally, I am requesting that you send me an updated copy of my credit report reflecting these deletions once the investigation is complete. 

If this matter is not resolved satisfactorily, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for violation of the FCRA. 

I've already requested that it these accounts be deleted, and the matter was not investigated but was verified. Can you provide me the proof that these accounts where investigated and properly verified please and thank you. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
i cant use XXXX on my Sofi Account keep getting and error message Unable to verify your Identity for your protection this feature is unavailable and i been having this problem with my sofi account for a very long time and the issue never gets fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/year> I received an email indicating i owed XXXX which was my bill of XXXX from XXXX plus a late fee. i called in to make the payment on XX/XX/year> and received payment confirmation for this charge. i did not realize that in the same day i was charged XXXX as well which when removed i assumed it was for my rent ; however, when i attempted to settle up for the year i was advised XXXX month was not accounted for. i then retraced my account to see that I was charged twice from bridgecrest. i then contacted them and was given the run around. i asked to hear the call where i called to give permission for my charge and was again given a run around. i contacted fifth third bank who promised to review and assist with this issue. i was given a provisional credit for the payment and asked to submit proof which was put on the wrong case by the fifth third team which caused my case to be closed and the bank to withdraw the money back but i didnt have this in my account so i am not only in the negative but now my account will take my check for this pay period. i was able to get the case reopened but i am not able to take care of my family i have not been able to eat since thursday and now my check will be absorbed until they complete their review which will take another XXXX  days to complete. i am in dire straights per their error and the erroneous charge from bridgecrest and no one is even assisting to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
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.5536y ( a ) ( 1 ) ( A ) - ( B ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 non-monetary relief
Consumer complaint received 2025-01-29 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: OH

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 ), XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( a ) ( 1 ) ( A ) - ( B ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I have submitted disputes regarding inaccuracies on my credit report, but they are not being investigated or resolved fairly. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to conduct a reasonable investigation and correct any errors. If my disputes continue to be mishandled, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.5536y ( 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 Experian 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
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: NJ

Complaint narrative:
Under XXXX  regulations, creditors are required to issue a Form XXXX when they cancel a debt of {$600.00} or more. Failure to do so can result in penalties under Internal Revenue Code XXXXXXXX XXXX XXXX. In XXXXXXXX XXXX XXXX, the court clarified that issuing a Form XXXX is a tax reporting obligation and does not necessarily indicate that the debt has been canceled. Therefore, while the creditor 's failure to issue a Form XXXX may result in XXXX  penalties XXXX it does not affect the status of the debt itself

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this message finds you well, I am submitting a formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report by XXXX, Equifax, and XXXX student loan accounts ; that have been consolidated into the XXXX Department of Education. Upon reviewing my equfax credit report, my report reflects multiple student loan payments listed under separate accounts, despite the fact that my loans were consolidated into one loan. which that one loan Advantage XXXX is NOT even showing on Equifax. how is only one incorrect consolidated there This misrepresentation is Disputed Account Details : XXXX XXXX for XXXX balance owed XXXX date of last activity XX/XX/XXXX date opened XX/XX/XXXX account open For Experian date opened XX/XX/XXXX {$80000.00} date of lat activity XX/XX/XXXX This information is inconsistent and misleading, which negatively impacts my credit standing. There are four extra loans reporting apart when they are in fact included in the XXXX that was billed to me. I listed them along with the other that I hoping late and inaccurate as it was consolidated. To one payment not multiple payments Creditor Name Aidvantage XXXX XXXX payment {$11.00} XXXX XXXX ( should be no payment on this payment ) {$16.00} XXXX XXXX {$33.00} payment XXXX XXXX {$19.00} There can't be payments reported by themselves for this they are included in XXXX Aidvantage loan XXXX I am wondering when this was verified for accuracy none of the Information is showing accurate. And true and It's XXXX misleading. Despite consolidation Amount owed I not accurate amount reported FCRA Violations : Equifax is not complying with the Fair Credit Reporting Act ( FCRA ), According to XXXX XXXXXXXX XXXX XXXXXXXX, data furnishers are required to report accurate and complete information. In this case : 1. The account was transferred/consolidated and should not reflect late payments post-transfer. 2. The payment status contradicts the late payment history, which misleads lenders and affects my creditworthiness. 3. Under FCRA XXXX ( XXXX XXXX. XXXX ), I have the right to dispute any inaccurate or incomplete information, and the credit bureaus must correct or delete inaccurate data within 30 days. This raises serious concerns about their practices and their commitment to adhering to the legal standards set forth under federal law. 
Given these ongoing legal issues, it is imperative that my complaint be taken seriously, as it reflects a broader pattern of potential non-compliance that could affect many consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally dispute a fraudulent account that was opened in my name without my knowledge. It Does not tell me what the account listed under, But the amount for the requested debt is {$390.00} currently being reported by XXXX XXXX to the credit bureaus. This account does not belong to me and was opened without my authorization. 



Timeline : In XX/XX/2024, I first noticed the fraudulent account when reviewing my credit report. 

On XX/XX/2024, I filed a dispute on XXXX. 

On XX/XX/2024, I contacted XXXX XXXX to dispute the debt, but I have yet to receive any confirmation of resolution. 

Impact : This fraudulent account has caused a significant drop in my credit score, affecting my ability to secure a loan and causing undue stress. The continued reporting of this incorrect information is negatively affecting my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management or Midland Funding has started to contact me after I have asked them not to contact me. They are now contacting me about an old debt and using deceptive practices in order to get me to communicate with them. Over the last couple of days, this collection agency has called me from two separate numbers asking for random people. When I state that they have the wrong number, they start asking questions inquiring about who they are speaking to. When I look up the number, I discovered that it was MCM or Midland Funding. 
These methods feel deceptive. I asked this company not to contact me over six years ago and I believe that they are trying coerce me into some type of agreement. MCM has called from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
Its beyond frustrating to see the same mistakes show up on my report over and over again. These errors are doing real damage to my score and blocking opportunities that Ive earned through hard work. I shouldnt have to keep dealing with inaccuracies that shouldnt be there in the first place.

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