vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX  XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late/Closed XXXX  XXXX Account XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXXXXXX  Balance Owed : {$0.00} Late/Closed XXXX XXXX Account XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed

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 2025-01-21 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: NY

Complaint narrative:
Account name, XXXX  XXXX Date opened XX/XX/XXXX StatusPaid, Closed. 
Status updated XX/XX/XXXX. This account listed above with the above information is listed on my credit report as delinquent. XXXX XXXX has been hit with a huge data breach and i reported to the account several time this is incorrect not my account and I dont have such delinquency but they keep reporting it in at least two of my credit report specially XXXX and equifax , I dont received any prove I request and no one does nothing about just continue reporting and dismiss my claim. The following account is Account name XXXX XXXX  Account type Auto Loan, Date opened XX/XX/XXXX StatusPaid, Closed.Status updated XX/XX/XXXX, same issues and no resolution. I have done several reports spoken to numerous people and nothing my disputes and claims keep getting ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: FL

Complaint narrative:
Square Up allowed for legitimate disputes to be charged back for contractual lease agreement payments that were legitimated and sent over during the dispute process signed by the leasees. These leasees paid for commercial rental units to be set up as short term rental and they fraudulently went in and disputed these charges for rent that was paid and are actually still occupying the units for their short term rental business. The charges are legitimate and contractual. Below are 3 charges that they have bank ruled in their favor. 

XX/XX/XXXX XXXX XXXX XXXX in customers favor {$700.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX in customers favor {$670.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX in customers favor {$6800.00} Below are additional charges that were disputed and actual contractual lease agreements are the in place for these legitimate charges. This has left my account in a large sum of negative balance that I should not owe. 

Date Disputed Date of Payment Location Dispute Status Respond By Expected Resolution Date Disputed Amount XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: LEXISNEXIS
State: MO

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report. Upon reviewing my credit file, I noticed that a bankruptcy has been reported under my credit history. This information is inaccurate, as I have never filed for bankruptcy.

In addition, it is my understanding that the Bankruptcy Court does not report information about bankruptcy cases to credit bureaus and does not verify the accuracy of information maintained by credit bureaus. Therefore, the presence of this information on my credit file may be due to an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I request that you investigate this matter promptly. If you are unable to verify the accuracy of this bankruptcy entry, I demand that it be removed immediately from my credit report. 

To assist with your investigation, I have attached a copy of my driver 's license, proof of address, and a copy of the relevant portion of my credit report highlighting the incorrect bankruptcy entry. 

Please notify me of the results of your investigation as soon as possible. I expect this matter to be resolved promptly, and I request written confirmation of the removal of this inaccurate information. 

Thank you for your attention to this matter. Should you require additional information, please contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to formally dispute the inclusion of a bankruptcy on my credit report. Upon reviewing my credit file, I noticed that a bankruptcy has been reported under my credit history. This information is inaccurate, as I have never filed for bankruptcy.

In addition, it is my understanding that the Bankruptcy Court does not report information about bankruptcy cases to credit bureaus and does not verify the accuracy of information maintained by credit bureaus. Therefore, the presence of this information on my credit file may be due to an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I request that you investigate this matter promptly. If you are unable to verify the accuracy of this bankruptcy entry, I demand that it be removed immediately from my credit report. 

To assist with your investigation, I have attached a copy of my driver 's license, proof of address, and a copy of the relevant portion of my credit report highlighting the incorrect bankruptcy entry. 

Please notify me of the results of your investigation as soon as possible. I expect this matter to be resolved promptly, and I request written confirmation of the removal of this inaccurate information. 

Thank you for your attention to this matter. Should you require additional information, please contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
I am 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 consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have requested the Purchase agreement & Debt Validation info - - XXXX has deleted XXXX XXXX XXXX from my credit report, and I do not understand why Equifax - - would move the account from a collection account to a regular account. I have never had an account or agreement with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Westlake Services, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. XXXX XXXX, EQUIFAX AND XXXX HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
SOMEONE WAS ISSUED A CREDIT CARD FROM XXXX XXXX IN MY NAME. {$650.00} HAS BEEN USED ON THIS CARD AND NOW I HAVE NEGATIVE INFORMATION ON MY CREDIT REPORT. I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT IN MY NAME. XXXX XXXX, XXXX AND EXPERIAN HAVE ALL REPORTED THIS INCORRECT INFORMATION ON MY CREDIT REPORT. 15 USC 1681 STATES THE RIGHT TO PRIVACY AND PROPER USE OF MY CREDIT REPORT. PLEASE HELP ME.

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 2025-01-21 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: Paypal Holdings, Inc
State: WV

Complaint narrative:
On the following date I received this billing on my debit card. 
XX/XX/XXXX PAYPAL XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$19.00} My XXXX bank initially refunded my the money. Though on XXXX reversed the payment. Stating that XXXX claimed I received services. I have never had XXXX, nor do I live in California. I have a Paypal account but it is not linked to any credit/debit or bank account. I also verified that no payment was made via my Paypal account. 

I tried to contact XXXX. It is impossible unless you have a account. Which I do not as I have never used XXXX. Who ever stole my information may have used XXXX. But I as owner of this account received nothing but the bill. I have my old credit card information to verify my ownership and address to prove no XXXX was used at my residence ( I own my home ). 

I did have XXXX cancel my original card and issue a new card. No further Paypal/XXXX  charges have appeared. 

I would like my XXXX refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Please block and remove the following accounts Due to XXXX XXXX XXXX XXXX : Balance {$2100.00} - XXXX XXXX XXXX : Balance {$5400.00} - XXXX XXXX : Balance {$19000.00} - XXXX XXXX : Balance {$14000.00} - XXXX XXXX XXXX XXXX Balance {$13000.00} - XXXX  XXXX XXXX : Balance {$9200.00} - XXXX XXXX : Balance {$8400.00} - XXXX XXXX : Balance {$4000.00} - XXXX XXXX : Balance {$2000.00} - XXXX XXXX XXXX XXXX Balance {$3200.00}

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to file a complaint against Nacy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged 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 available funds. I believe these practices are unfair and request investigation into my accounts 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 2025-01-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year>XXXX   and I noticed something are incomplete and accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 e.b 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 A : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I am writing to formally express my concerns regarding XXXXXXXX XXXX  handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The XXXX XXXX findings indicate that XXXX 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 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
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 recent CFPB lawsuits 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 infeasible. They shut down my chase account and I couldnt use Zelle. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided 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 explanation