vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: IL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had my daughter tax return check deposited in to my account as it came in I withdraw it, and then my tax return check was deposited in to my account at Chase bank and they took my money I dont own them a XXXX, they have no right to take my money. This situation has caused many problems in my life my truck was repossessed and I and my kids were homeless because of what Chase bank did to my tax return money, all I want is my tax return money every dollar of it .Thanks sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: W&A Intermediate Co., LLC
State: MS

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 stated the accounts are accurate, without providing any evidence of a thorough investigation. I told XXXX that the XXXX XXXX XXXX added collections to my credit but XXXX XXXX XXXX is not the place of business I went to.I never received a bill from that company because they did not have my correct address or number although it was up to date with XXXX hospital were I went to. I was not aware of them or a bill until after they hit my credit report. That means I went to the XXXX hospital yet XXXX XXXX XXXX  added collections to my credit for fees from there doctor although I was not at their place of business. I did not agree to be charged by XXXX XXXX XXXX  I agreed to be charged by XXXX not a third party or doctor outside of XXXX which also doesnt make sense because XXXX never sent my account to collections to be sold to a third party either. I also informed XXXX that the original amount owed was lower than the amount due. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 ( 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 2025-02-27 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-02-27 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: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
Subject : Complaint against XXXX and CREDIT CORP SOLUTIONS INC for FCRA Violations I am filing this complaint regarding XXXX 's failure to properly investigate and remove inaccurate information reported by CREDIT CORP SOLUTIONS INC ( File ID : XXXX ) on my credit report. 

Key issues : Violation of 15 U.S.C. 1681b : XXXX furnished my report without my written consent. 
Failure to verify accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX 's investigation did not ensure maximum possible accuracy. No evidence of my relationship with the original creditor or valid debt assignment was provided.

Reporting prohibited adverse information ( 15 U.S.C. 1681c ) : The entry is an unlawful adverse item unrelated to criminal convictions. 
Identity theft ( XXXX CFR XXXX ) : The account uses my personal information without authorization. 
Furnisher violations ( 15 U.S.C. 1681s-2 ) : CREDIT CORP SOLUTIONS INC failed to conduct a proper investigation and continues reporting unverified information. 
I previously disputed this information with XXXX, but they claimed it was accurate without providing evidence. I've received no proof of my consent, debt validity, or XXXX 's verification process. 
I request that the CFPB investigate these violations and ensure XXXX removes this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit card XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my credit card XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/year> Please remove it from my credit report XXXX. This inquiry was not authorized XXXX XXXX Inquired on XX/XX/year> Please remove it from my report XXXX. Under 15 U.S.C. XXXXi ( XXXX ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Subject : Complaint against TransUnion and XXXX XXXX XXXX XXXX for FCRA Violations I am filing this complaint regarding TransUnion 's failure to properly investigate and remove inaccurate information reported by XXXX XXXX XXXX XXXX ( File ID : XXXX ) on my credit report. 

Key issues : Violation of 15 U.S.C. XXXXb : TransUnion furnished my report without my written consent. 
Failure to verify accuracy ( 15 U.S.C. XXXXe ( b ) ) : TransUnion 's investigation did not ensure maximum possible accuracy. No evidence of my relationship with the original creditor or valid debt assignment was provided. 
Reporting prohibited adverse information ( 15 U.S.C. XXXXc ) : The entry is an unlawful adverse item unrelated to criminal convictions. 
Identity theft ( XXXX CFR XXXX ) : The account uses my personal information without authorization. 
Furnisher violations ( 15 U.S.C. XXXX ) : XXXX XXXX XXXX XXXX failed to conduct a proper investigation and continues reporting unverified information. 
I previously disputed this information with TransUnion, but they claimed it was accurate without providing evidence. I've received no proof of my consent, debt validity, or TransUnion 's verification process. 
I request that the CFPB investigate these violations and ensure TransUnion removes this inaccurate information 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 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I had purchased an item from XXXX, I returned it, the refund amount was for {$8.00} on my AppleCash card. 

XXXX refunded to my AppleCash card on XX/XX/year>. 

I have sent XXXX " report the Issue '' to Apple. No response from them. 

I have screenshot the prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: DE

Complaint narrative:
Im reaching out because Ive been dealing with an issue involving the credit reporting agenciesExperian, TransUnion, and XXXX Im hoping you can help address. These agencies are allowing companies to pull hard inquiries on my credit report without a permissible purpose, which, as I understand it, is against the Fair Credit Reporting Act ( FCRA ). 

As you know, the FCRA requires that hard inquiries can only happen with a consumers clear consent or for certain legitimate reasons, like when applying for a loan. But Ive noticed that these inquiries are being made without my consent or any valid reason, and its damaging my credit score. This not only causes confusion but also unnecessary stress for consumers like myself. 

Whats even more frustrating is that Ive given Experian, TransUnion, and Equifax over XXXX  days to look into this, as the law requires, and Ive received no response from them at all. This complete lack of communication is deeply disappointing and feels like a clear violation of my rights under the FCRA. 

Id really appreciate it if the CFPB could look into this situation and take appropriate action. Its crucial that these agencies are held accountable and that consumers rights are respected, especially when it comes to our credit. 

Thank you so much for taking the time to read this. Im hopeful that this issue can be resolved soon. 

Sincerely, XXXX XXXX XXXX to remove from report XXXX XXXX ( FINANCE ) XXXX XXXX XXXX  ( RETAILER ) XXXX XXXX XXXXXXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( DOUBLE HARD PULL IN XXXX MONTH 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Im reaching out because Ive been dealing with an issue involving the credit reporting agenciesExperian, TransUnion, and XXXX Im hoping you can help address. These agencies are allowing companies to pull hard inquiries on my credit report without a permissible purpose, which, as I understand it, is against the Fair Credit Reporting Act ( FCRA ). 

As you know, the FCRA requires that hard inquiries can only happen with a consumers clear consent or for certain legitimate reasons, like when applying for a loan. But Ive noticed that these inquiries are being made without my consent or any valid reason, and its damaging my credit score. This not only causes confusion but also unnecessary stress for consumers like myself. 

Whats even more frustrating is that Ive given Experian, TransUnion, and Equifax over XXXX  days to look into this, as the law requires, and Ive received no response from them at all. This complete lack of communication is deeply disappointing and feels like a clear violation of my rights under the FCRA. 

Id really appreciate it if the CFPB could look into this situation and take appropriate action. Its crucial that these agencies are held accountable and that consumers rights are respected, especially when it comes to our credit. 

Thank you so much for taking the time to read this. Im hopeful that this issue can be resolved soon. 

Sincerely, XXXX XXXX XXXX to remove from report XXXX XXXX ( FINANCE ) XXXX XXXX XXXX  ( RETAILER ) XXXX XXXX XXXXXXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( DOUBLE HARD PULL IN XXXX MONTH ERROR )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AES/PHEAA
State: AL

Complaint narrative:
I have had incorrect reporting on my credit report in at least 3 instances. One of the times I was in the middle of a loan process. Because of inaccurate reporting on the part of my XXXX loan servicer, I was reported as being 120 days late which caused my fico score to go down 100+ points. This decision adversely affected the banks decision to give me a loan. 

After my XXXX incorrect reporting I wrote the company ( faxed request ) on XXXX separate occasions and asked to opt out of any financial reporting or experiences related to this tradeline. According to the loan documents I could make this request by simply asking to company to opt out of any reporting. I did this and they still refuse to honor my request. Can we please get this taken care of because by law, they can not report this information to reporting agencies without my permission. And they do not have my permission. I have requested to opt out multiple times, as per my loan docs, I am allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief