vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to address multiple issues on my credit report, including incorrect account entries, an unfamiliar collection account, and reporting inaccuracies. Your prompt assistance in resolving these matters is vital to safeguarding my financial stability. 

I kindly request a thorough review of my credit report to identify and correct any errors, including accounts that do not belong to me. Additionally, please verify the accuracy of my address details and remove any negative marks caused by these inaccuracies. This will ensure that my credit report accurately reflects my financial standing. 

Thank you for your attention to this matter. I look forward to your timely response.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But I do not see any details about your investigation. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding TransUnions failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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 ( 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. These are the accounts that Ive marked as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Also Equifax has my birthday year incorrect on file as XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate : XXXX XXXX {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing a complaint with XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate while providing zero evidence of any investigation or proof. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts that I have marked as inaccurate XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, {$320.00} XXXXXXXX XXXX XXXXXXXX, {$160.00}

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my XXXX credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries XXXX. XXXX : XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX FCRA XXXX XXXX ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section XXXX, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts. 

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that XXXX : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within XXXX days, as stipulated by the FCRA. 


Thank you for your immediate attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute specific unauthorized credit inquiries and collection accounts listed on my XXXX credit report. I did not authorize these inquiries or recognize these collections, and I request an immediate investigation and removal of the inaccurate entries as required by the Fair Credit Reporting Act ( FCRA ). 

Below are the disputed items : Unauthorized Inquiries XXXX. XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX XXXX FCRA Section 604 ( a ), inquiries are only permissible with my explicit authorization or under specific legal circumstances. I did not apply for credit with these companies, nor did I authorize these inquiries. If you can not provide verification of my consent, I request that these inquiries be removed immediately. 

Unknown Collection Accounts XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX I do not recognize these accounts and have no knowledge of their validity. Under FCRA Section XXXX, I am requesting an investigation into these accounts. If these debts can not be verified with accurate documentation, they must be removed from my credit report. Please provide proof of ownership, including signed agreements or contracts that link me to these accounts. 

Supporting Documents To assist with the investigation, I have included : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of address Resolution Requested I request that XXXX : XXXX. Investigate and verify the listed inquiries and collection accounts. 
XXXX. Remove any item that can not be verified as accurate or authorized. 
XXXX. Provide written confirmation of the investigation results within 30 days, as stipulated by the FCRA. 


Thank you for your immediate attention to this matter. I look forward to your prompt response.

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 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OR

Complaint narrative:
I can not give you dates or times unfortuneately cash app deleted my accounts i had to make another account to get ahold of them but they took XXXX out at once and then XXXX then little incriments as well i had someone from cash app call me get my information get my account information and they wiped out my account .i filed when this cash app deal started but ive heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one bank USA is reporting account open and close at the same time with a balance of 4hundred something dollar.. this is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I attempted to request a freeze on my consumer report with Teletrack under the Fair Credit Reporting Act ( FCRA ). However, I encountered significant issues during the process : Teletrack did not allow me to upload my required verification documents online, making it difficult to complete my request efficiently. This limitation has delayed my ability to secure my consumer report and prevent unauthorized access. I provided all necessary documentation, including proof of identity and address, as required for a security freeze. Despite my efforts, I have not been able to successfully freeze my consumer report due to the lack of accessible methods to submit my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for actions they took in XXXX regarding student loan debts from XXXX. I was sued by these entities in XX/XX/XXXX for loans I was unaware of and for which I have been making payments under a settlement agreement arranged by my attorney. 

I would like to bring to your attention the following details : Lawsuit Details : I was sued by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XX/XX/XXXX. These loans date back to XXXX, and I was completely unaware of any outstanding obligations at the time. The lawsuit came more than XXXX years after the alleged loans were originated. 

Bankruptcy Discharge : I filed for bankruptcy, which was discharged in XXXX. I was under the impression that these loans were included in the discharge. However, I later discovered that the loan holders attempted to collect the debt well after the bankruptcy discharge and several years of inactivity. 

Payment Plan : To resolve the matter and avoid further litigation, I worked with my attorney, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. He negotiated a settlement plan whereby I agreed to a payment schedule of {$25.00} per month for each case involved, totaling {$50.00} per month. This was to prevent any further legal action from being taken against me. 

Given the long period of inactivity and my bankruptcy discharge, I would like to understand if the actions of these companies, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, are in compliance with relevant consumer protection laws, including the Fair Debt Collection Practices Act and the Bankruptcy Code. 

I request that the CFPB investigate this matter to determine whether any violations occurred, and if so, to assist in holding the appropriate parties accountable. 

Thank you for your time and attention to this issue. Please let me know if you require any further documentation or information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I booked a XXXX XXXX flight ticket using my Chase credit card through XXXX XXXX ( trip id XXXX ). When I attempted to cancel my flight, the XXXX XXXXXXXX agent informed me that cancellations or changes were not permitted for tickets booked over a year in advance. The agent advised me to contact XXXX XXXX directly to " take control of the ticket and cancel it as a XXXX credit. '' However, when I contacted XXXX XXXX customer support, I was informed that the ticket was booked through a third-party agency ( Chase XXXX ) and that they were unable to assist with cancellations or refunds. XXXX XXXX representatives stated that only XXXX XXXX could process a refund for this booking. 

This conflicting information between XXXX XXXXXXXX and XXXX XXXX has left me unable to cancel my flight as planned and potentially facing a significant financial loss. I believe this situation may constitute a violation of consumer protection regulations, as I am being denied the ability to cancel a service I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have requested on two separate occasions that this company verify and validate this account with proof of the debt. Specifically I have requested to see the original contract with my signature and all of the payments and purchases related to this account so that I can see where this total amount is coming from. I never had an account with this company and after explaining this in writing to this company twice, they have still refused to send any proof that I am requesting and they also have not made any changes to my credit report in regards to this inaccurate account on my credit report. Their failure to provide the information I have requested violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has been given several chances to prove the accuracy of this account but they have failed to provide any proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX 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

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a Complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission XXXX consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protective Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to Ensure XXXX complies with Federal Law and provides consumers with the necessary proof investigation. 
XXXX XXXX {$820.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1600.00}

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 non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please see supporting documentation pertaining to XXXX DATA BREACH.

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