vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I am writing to formally dispute an error on my credit report. My name is XXXX XXXX, and my social security number is XXXX. 

I recently contacted TransUnion regarding duplicate entries related to the Department of Education account # XXXX. This particular account is being reported as a negative account, while there are XXXX additional entries for the same account listed as satisfactory. These satisfactory accounts represent the same account as the negative one, effectively resulting in duplicate reporting. 

The negative account is essentially a consolidation of the XXXX satisfactory accounts into XXXX, which I believe to be an error. The duplication of these accounts has had a detrimental impact on my XXXX XXXX. 

I kindly request that this issue be reviewed and corrected as soon as possible. The current error is affecting my creditworthiness, and I would appreciate your prompt attention to resolve the matter. 

Thank you for your time and assistance.

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 2025-02-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reported an unusual charge on my card to Chase and on XXXX XXXXXXXX XXXX  received a letter in the mail stating that the {$260.00} charge from XXXX from XX/XX/year> was resolved in my favor and the charge would be forever removed from my account. Then, without notice, Chase re-charged for the unusual charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Comerica
State: SC

Complaint narrative:
As it a consumer I have took and looking in a deep look at my credit records as well as my personal account has been infected by no other than a breach somewhere that a person has got a hold of my information and distorted all of my accounts down to my banking account down to the credit of my name and I am fighting to get my credit restored as well as fighting to get my funds restored back into my accounts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
Please remove this account from my credit report since it is unauthorized and unrelated to me. I urge you to investigate and resolve any additional inaccuracies.

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 2025-02-11 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: MI

Complaint narrative:
Hello my name is XXXX XXXX and and Im writing this to whomever it concerns regarding the inaccurate reporting of inquiries due to identity theft. Under FCRA Section 605B : Blocking Information Due to Identit

y Theft 1. Consumers Right to Request a Block : -If a consumer identifies inaccurate information on their credit report due to identity theft, they have the right to request that the credit reporting agency block the reporting of that information. This ensures that lenders or other users of the report will not see the fraudulent information.

2. Requirements to Request a Block : To block the fraudulent information, the consumer must provide the credit bureau with : Proof of identity.

A copy of an identity theft report filed with a law enforcement agency ( such as a police report or FTC Identity Theft Report ).

A statement that the information in question is not related to any transaction the consumer initiated.

Any additional information requested by the credit bureau to verify the claim of identity theft.

Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ) outlines the permissible purposes for which a consumer reporting agency ( CRA ) may furnish a consumer report. This section ensures that consumer reports are only used in specific, legally authorized situations. These places did not have my authorization and therefore substitute a violation under 15 USC 1681B and I demand these inquiries be moved 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 explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, I realized XXXX had been double charging me for a subscription. I had an annual subscription with them so it didn't make sense. I reached out to XXXX  who immediately apologized and tried to rectify the situation. However they had been charging me for months and their system only allowed them to refund the cost I occured within the last 90 days. They told me they would escalate for a higher up team to try to bring resolution. After realizing there hadn't been a refund for this after a 45 day period, I reached back out to XXXX  who told me their system wouldn't allow it and they I need to simply dispute the other months through my back. So I disputed them through cash app which is the card that was charged. Within 6 hours, cashapp sent me a message stating I had filed a fraudulent dispute and closed my account. Cashapp claimed they had did a manual review which I verified with XXXX  they never received any information from XXXX. They literally accused me of filing a fraudulent dispute which my dispute is very much valid. You can see the double charges for the subscription on my account and there is only 1 monthly fee for a XXXX  subscription. And I have an annual subscription not a monthly one. 
CashApp closed my account, violating my consumer rights to file disputes with retaliation. They are bullying consumers by closing our accounts anytime anyone files a dispute to discourage us from our legal rights. My direct deposits go to this account and this should not be allowed by cashapp. They are abusing their authority and consumers and finding ways to maneuver our consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2025-02-11 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: TX

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

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 2025-02-11 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 Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using 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 finding indicate that Zelle has not only neglected to properly protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MN

Complaint narrative:
I am writing to formerly 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 repeated 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 2025-02-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: NC

Complaint narrative:
On XX/XX/2024, I called what I believed was XXXX XXXX  XXXX to pay off a charge-off account. However, I was instead directed to Credit Sage, a credit repair service. They promised to help me repair my credit and improve my financial situation. During the end of the call, they informed me that they required an upfront fee of {$370.00} in exchange for their services. 

I agreed to pay the fee, under the assumption that I would receive the credit repair assistance they had promised. However, after making the payment, I received no substantial help or guidance in repairing my credit, nor did I see any tangible results or improvement in my credit situation. 

At no point was I made aware of the upfront payment requirement before engaging with their service, and I feel that the company misled me into paying for services without providing any value in return. 

I would like to formally file a complaint about this misleading business practice and request that Credit Sage address this issue and refund my upfront fee of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent XXXX dispute letters to Experian on XX/XX/XXXX and XX/XX/XXXX, disputing inaccurate information on my credit report. Specifically, I requested the following corrections : My name is misspelled on my report. 

My current address is not listed, and outdated addresses remain on the report. 

Old employers are listed, but they are no longer accurate. 

Despite my repeated efforts to have Experian correct these errors, they have refused to make updates or remove outdated information. This has caused ongoing issues with my credit report. 

I have provided Experian with supporting documentation, including proof of my correct name, address, and additional documentation to support my dispute. I have not received an adequate explanation or resolution from Experian regarding why these changes have not been made.

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On the evening of XX/XX/year>, I received emails from Wells Fargo stating that my mobile deposit was being returned due to potential fraudulent activity and that my checking and savings accounts would be closed. I went to the local branch, located at XXXX XXXXXXXX XXXX XXXX, NY, the following day to inquire about what was going on with my account and the return of my deposit. While there, the teller called the corporate office and relayed to me that the image from my mobile deposit did not fully capture the accounting information from the bottom of my check. As a result of not capturing this information a hard hold was placed on my account. I brought the check with me and showed the teller the actual check that I attempted to mobile deposit. She shared with me that the corporate office was closing my account and that there was nothing she could do. 

I have been a customer of Wells Fargo for 23 years and have never had any issues relating to fraud and I presented them with the actual check to prove that there was nothing nefarious on my end. Further, the check that was presented was written from my TXXXX XXXX business account. There was no attempt to verify the authenticity of the check, they simply closed all my accounts with Wells Fargo. 

This was my primary account in which I ran all my personal finances through and was done during the beginning of the month when several deposits and payments were set to transpire. Two of my direct deposits were blocked and five bill payments were returned due to the hard hold on my account. Which has now caused these accounts to show delinquencies. 

In addition, the closing of my account in this manner tarnishes my financial reputation with the banking system and the companies in which payments were returned due to alleged insufficient funds. 

I received an official letter today, XX/XX/year>, stating that my account will be closed on XX/XX/year>, due to one or more checks deposited to or cashed against your account suspected to be altered. An additional letter was sent showing the image of the check with a portion of the account number not captured. I have completed mobile deposits for years, and anytime the the image is not clear I was asked to retake the picture. I am not certain why the image was received if the picture was not clear, but I am baffled with why Wells Fargo would close all my accounts after a 23 year relationship due to something that could be cleared up so easily.

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 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

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 2025-02-11 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: TX

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX  business days after the date of receipt by such agency.

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 2025-02-11 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: IL

Complaint narrative:
Simply parroting information from data furnishers without an actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) .This account was opened from XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is not in XXXX. I should have active payment history from XX/XX/XXXX to XX/XX/XXXX. Experian reported from XX/XX/XXXX to XX/XX/XXXX. It again reported another conflicting date of last payment of XX/XX/XXXX. This is inaccurate payment history reporting. The investigation result avoided addressing the issue I raised. This inaccurate information falsely manipulates my credit worthiness and is hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the Account name : 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 2025-02-11 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information reported on my credit file due to your agency 's failure to validate information properly, as required by federal law. Your company has merely parroted unverifiable data from creditors without conducting a reasonable investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The inaccurate information on my credit report indicates a failure on your part to establish and follow reasonable procedures to assure the maximum possible accuracy of consumer credit information. Negligence in Investigation Procedures : Your agency has failed to conduct a thorough and meaningful investigation into the disputed information, allowing inaccurate and damaging data to persist on my credit report.

Company response to consumer: Closed with explanation