vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
POSSIBLE FINANCE HAS LIED AND CONTINUED TO NOT UNDERSTAND that the account is NOT MINE AND NEVER LATE!! I recently reviewed my credit reports and found an account that does not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove ALL POSSIBLE FINANCE ACCOUNTS FROM ALL CREDIT REPORTS AND RECORDS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
POSSIBLE FINANCE HAS LIED AND CONTINUED TO NOT UNDERSTAND that the account is NOT MINE AND NEVER LATE!! I recently reviewed my credit reports and found an account that does not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I demand that you remove ALL POSSIBLE FINANCE ACCOUNTS FROM ALL CREDIT REPORTS AND RECORDS!!

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 2025-02-05 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 CFPB, I have reached out to equifax multiple times regarding this account with XXXX XXXX. The credit bureau has failed to report to me the documentation/findings of this account. They are just updating the account with no explanation of its validity and accurate reporting of this account XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Account Number XXXX Dear Equifax, I am writing to formally dispute the accuracy of the information being reported on my credit report in connection with the account referenced above. The account is listed as a charged-off auto loan with a balance of {$5100.00} and indicates significant activity, but I have not received any documentation or verification of this debt from the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax 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 2025-02-05 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 am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax 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 2025-02-05 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:
Experian and Transunion are failing to remove the XXXX account XXXX from my credit report which is reporting as a repossession as XXXX has violated all UCC & Texas Laws of Repossession. This includes Texas XXXX XXXX XXXX : Requires a written notice to be sent to the retail buyer within 15 days of discovering the property, the TX Business, Commerce XXXX XXXX, TX Occupations Code XXXX and FRCA Section 605B as well. No notice of sale was sent either. Please remove account 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 2025-02-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Chargeoff

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 2025-02-05 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Removal of Charge-Off Due to Lack of 1099-C Form Dear Navy Federal Credit Union I am writing regarding the charge-off reported on my credit report for the accounts [ XXXX ]. I believe that this charge-off should be removed from my credit report because I did not receive a 1099-C form for this debt, which I understand is required for the debt to be considered officially settled or forgiven.

As per IRS guidelines, creditors are obligated to send a 1099-C when canceling or discharging a debt of {$600.00} or more. To the best of my knowledge, no 1099-C form was issued to me for this account, and as such, I am requesting that the charge-off be deleted from my credit report.

Please review the details of this account and let me know how you intend to proceed. If you are unable to provide a 1099-C or verify that one was issued, I respectfully request that the charge-off be removed from my credit file in accordance with both the IRS requirements and fair credit reporting standards.

Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, my wallet was stolen at a XXXX in XXXX, PA and the thief used my TD debit card to make an unauthorized charge of {$1200.00} at XXXX. I have a police report from the XXXX XXXXXXXX XXXX XXXX, to prove my story The same day of the theft, XX/XX/year>, TD 's fraud department contacted me about the {$1200.00} charge to see if it was fraud. I answered yes it was fraud and my TD card was frozen by the bank. I then went to the local branch of TD ( XXXX, PA ) the next day on XX/XX/year> to get a report my card stolen and get a new card. TD wrote up a dispute for me of the {$1200.00} charge, but TD now refuses to credit my account for the {$1200.00} and has deducted if from my bank account. I have given them the police report. I need help getting TD to reinstate the {$1200.00} to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Bank Deposit check of {$230.00} I mobile deposit a check under my mothers name which was done more then once. I was told by an agent themself it shouldve been okay because if it didnt work the check would be denied. The check is from the State of New Jersey XXXX XXXX XXXXXXXX XXXX. Its a XXXX XXXX XXXX XXXXXXXX from XXXX. That both my mother and I receive. I have as well deposit checks under my own name from this program. After depositing the check I was given a negative of {$230.00}. When I asked an agent the reason WHY I was told because the check was fraud. I asked multiple times if they were aware the check was under my mothers name asked could that have been the reason.I was told No it had to do with them believing the check was fake. The check I still currently receive is not at all fake as I tried to explain.But my account was closed with me having any access at all .Now I have this on my credit which is not at all showing well on my credit reports.

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 2025-02-05 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: TX

Complaint narrative:
With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to fraud, according to the CFPB 's findings. This lack of transparency and accountability is intolerable and poses major risks to customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CO

Complaint narrative:
Please check the information concerning the equifax data breach in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Westlake financial services should not be on my credit report I have a right to have it removed especially when completed. I dont understand how credit bureaus have that much power/control of my information My record under my name XXXX cant do right when other parties dont follow proper procedures. 
What happen to our rights!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: IN

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

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 2025-02-05 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 Customer 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 Transfer Act ( EFTA ) and resolution E. These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: VA

Complaint narrative:
The company is attempt to collect fee for service for a location that have never live. I did contact the agency and provided then my SSN and other personal information. 

The statement is requesting {$150000.00} as of XXXX. I have live at my present address for over 20 years and have never sign any contact with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX should not be on my credit report I have a right to have it removed especially when completed. I dont understand how credit bureaus have that much power/control of my information My record under my name XXXX cant do right when other parties dont follow proper procedures. 
What happen to our rights!?

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 2025-02-05 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: GA

Complaint narrative:
Re : VIOLATION OF FCRA 605B BLOCKING REQUIREMENTS Reference : Identity Theft Report Submitted XX/XX/XXXX To Whom It May Concern : This letter serves as formal notice that Equifax has flagrantly violated FCRA 605B [ 15 U.S.C. 1681c-2 ] by failing to block fraudulent information as required by law. Your response of XX/XX/XXXX, to my complaint submitted on XX/XX/XXXX is an unacceptable attempt to delay compliance and constitutes willful noncompliance with federal law. 

ITEMS REQUIRING IMMEDIATE BLOCKING XX/XX/XXXXDOCUMENTED VIOLATIONS : 1. Timeline Violation : Identity theft report submitted : XX/XX/XXXX Required blocking deadline : XX/XX/XXXX Your response date : February 4, 2025 Days in violation : 16 and counting 2. Improper Response : Requesting duplicate documentation already provided Failing to implement required blocking No notification of blocking decision within the required timeframe No legitimate basis for blocking denial provided LEGAL REQUIREMENTS VIOLATED : Under 15 U.S.C. 1681c-2 : 1. You are required to block alleged fraudulent information within 4 business days of receiving a valid identity theft report.

2. You can only decline to block the information if : The block was requested in error The information was blocked due to material misrepresentation The consumer obtained goods or services through material misrepresentation None of these exceptions apply to the information in question, and you failed to make such a determination within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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 have disputed these items and want them removed after no evidence present of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information that is currently being reported on my credit report and request its immediate reinsertion. I have previously disputed this information and it was either removed or updated, however, it has reappeared on my report. This is causing significant harm to my creditworthiness and I am requesting your prompt attention to this matter.

Attached is the accounts affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
I am writing to dispute inaccurate information that is currently being reported on my credit report and request its immediate reinsertion. I have previously disputed this information and it was either removed or updated, however, it has reappeared on my report. This is causing significant harm to my creditworthiness and I am requesting your prompt attention to this matter.

Attached is the accounts affected

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 2025-02-05 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: VA

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation