vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and a Auto loan opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX30th 2022 under account number 8A2579XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$4600.00}, credit account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$580.00}, a credit account opened at XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$3200.00}, and a Auto loan opened at XXXX  on XX/XX/XXXX under account number XXXX with a balance of {$7000.00}, credit account opened at XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2500.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2025-01-19 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: CT

Complaint narrative:
A third party ( identity theft ) opened a XXXX it credit card. Account ending in XXXX. 
used my information to make purchases. It was closed and I paid everything they stole. After investigations I was given a refund by XXXX credit company. Its now reporting negative and high delinquency on my credit report. As long as it was used by a third party ( identity theft account ) it should be removed from my account ASAP.

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app Block inc. due to inadequate customer service And unfair practices which violate the customer financial protection act cfpa specifically Cash Out failed to take timely and effective measures To prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore, They're dispute resolution process was unfair and deceptive, asThey did not comply with error resolution requirements Under the electronic fraud transfer act e f t a and regulations these acts have cost significant inconvenience and financial loss and I am seeking appropriate redress For those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 ( 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 2025-01-19 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: AR

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law, and my rights as a consumer.

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 2025-01-19 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 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 customers 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 2025-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its said that Im owed on an account that I was incarcerated for. I proof of documents the account is obviously the results of fraudulent activity Im a victim of a fraud account date was XX/XX/XXXX. In the amount of XXXX. Im going to need this account removed because its not mine documents include my jail dates and sentencing date XXXX and my release date is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
The company, Hunter Warfield continuously contacts me demanding a payment. I constantly tell them Im experiencing a hardship and Im homeless I can settle for {$500.00} and they continuously deny but have already reported it to credit and have evicted me which Ive never been served with court papers I have reached out to XXXX property management. They tell me I need to reach out to Hunter Warfield for a settlement and Im going back-and-forth my last correspondence with the collection agency. I had several agents calling me in a rude manner. I had to complain one person put me on a do not call list and I never said to not do that. this company is asking for {$5700.00} I have never gotten a breakdown of what I owe. They only send me one single letter with the balance via email.i cant pay this with me being homeless and a single mother too. It is impossible for me to pay this and still save to get into a home. I have let them know this multiple times they continuously harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX Bank XXXX XXXX, XXXX XXXX, and several other companies breach my information. I am a victim of identity theft and all derogatory statements and collections need to be removed immediately. Everything needs to be removed due to all my information being exposed in brench. Dont turn my dispute into a 30 day dispute incordance with 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX Bank XXXX XXXX, XXXX XXXX, and several other companies breach my information. I am a victim of identity theft and all derogatory statements and collections need to be removed immediately. Everything needs to be removed due to all my information being exposed in brench. Dont turn my dispute into a 30 day dispute incordance with 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am to file a complaint against Navy Federal Union regarding overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to delayed posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: PA

Complaint narrative:
I have contacted XXXX about this account repeatedly. This is not my account. This account is not in my name. There is a fraud report in all. XXXX 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 non-monetary relief
Consumer complaint received 2025-01-19 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: Aargon Agency, Inc.
State: PA

Complaint narrative:
I have contacted XXXX  about this account repeatedly. This is not my account. This account is not in my name. There is a fraud report in all. AARGON AGENCY 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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau Office of Consumer Response XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dear CFPB Investigation Team, Re : Complaint Regarding Improper Investigation of Experience Credit Report Dispute I am writing to express my dissatisfaction with the investigation conducted by Experian regarding the dispute I filed concerning my experience credit report. Despite my efforts to have the errors corrected, the investigation was inadequate, and the inaccuracies remain uncorrected. 

Unfortunately, the investigation conducted by Experian failed to properly address my concerns. The response I received did not provide any meaningful resolution or explanation for the disputed items. Specifically, [ state the problems with the investigation, e.g., failure to consider evidence, incorrect information, lack of follow-up ]. 

I request that the CFPB investigate this matter further to ensure that Experian complies with the Fair Credit Reporting Act ( FCRA ) and properly investigates consumer disputes. I would appreciate it if you could look into this matter urgently and take necessary actions to correct the errors on my experience credit report. I will also like for all incorrect item cleared off my report. 



Thank you for your attention to this matter. I look forward to a prompt resolution. 

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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-19 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: SC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting and Inadequate Investigation by TransUnion To Whom It May Concern, I am writing to formally file a complaint against TransUnion regarding the ongoing issues with my credit report for the past five years. Despite my repeated attempts to resolve discrepancies, I have encountered a lack of accurate reporting and inadequate responses from TransUnion.

Timeline of Events : [ Year 1-4 ] : Over the past several years, I have contacted TransUnion multiple times about inaccurate information on my credit report, including but not limited to incorrect account statuses, missed payments, and outdated entries. 

[ Year 5 ] : I escalated my concerns due to persistent issues that had not been addressed. I submitted a formal dispute with TransUnion, requesting a thorough investigation into the errors. 


Issues Experienced : Despite my clear and repeated requests for corrections, TransUnion 's investigations appeared half-hearted or, in some cases, were not completed at all. The inaccuracies remained uncorrected, which led to further complications with my credit standing. 

On multiple occasions, I received little to no feedback or resolution regarding my disputes, which I feel has directly impacted my credit score and overall financial health. 


Actions Taken : I contacted TransUnion through [ email/phone ], submitting formal disputes and providing supporting documents for the claims I raised. 

I followed up with TransUnion after the initial investigation period to inquire about the status, but I received inadequate responses or no follow-up at all. 

I requested that TransUnion perform a comprehensive review of my report and provide me with a full explanation of their findings and any corrections made. 


Outcome : TransUnion 's responses have been unsatisfactory and have not addressed the inaccuracies on my credit report. As a result, I have not seen any tangible improvement in my credit standing, despite my ongoing efforts to resolve the matter. 




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 non-monetary relief