vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a partial payment for materials and labor for remodeling work at my building which located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. Payment was made to XXXX XXXX. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$5000.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This morning, I was alarmed to see incorrect accounts on my credit report, and I have no clue how they got there. I checked my report as part of my usual routine, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors persisted. Because of this, I am requesting a thorough review of the documents Ive sent so I can have peace of mind.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: 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 2025-02-19 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: FL

Complaint narrative:
I have not permitted this inquiry. I did not engage with this lender on the given date.

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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-02-19 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: OR

Complaint narrative:
In XXXX, XXXX XXXX  reported my mortgage payment delinquent between the months of XXXX and XXXX. This was incorrect. I contacted XXXX XXXX  several times throughout the XXXX  of XXXX to get this fixed. After XXXX XXXX  agreed they reported my account 150 days delinquent incorrectly, they claimed to me they reached out to the major credit bureaus to reverse their misreporting. I also directly disputed the mistake with Equifax and TransUnion in XXXX. I specifically disputed the mistake with Experian two times in XXXX and again in XXXX, in which I included a written statement from XXXX XXXX  corroborating my dispute. 

As of XXXX, when I check my yearly free credit report, none of the main credit bureaus ( Equifax, Experian, and TransUnion ) had removed the delinquency. As of this writing, Experian has still not removed the 150 delinquency from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: OR

Complaint narrative:
In XXXX, XXXX XXXX  reported my mortgage payment delinquent between the months of XXXX and XXXX. This was incorrect. I contacted XXXX XXXX  several times throughout the XXXX  of XXXX to get this fixed. After XXXX XXXX  agreed they reported my account 150 days delinquent incorrectly, they claimed to me they reached out to the major credit bureaus to reverse their misreporting. I also directly disputed the mistake with Equifax and TransUnion in XXXX. I specifically disputed the mistake with Experian two times in XXXX and again in XXXX, in which I included a written statement from XXXX XXXX  corroborating my dispute. 

As of XXXX, when I check my yearly free credit report, none of the main credit bureaus ( Equifax, Experian, and TransUnion ) had removed the delinquency. As of this writing, Experian has still not removed the 150 delinquency from my credit report.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-02-19 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: LA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the following account ( s ) that are currently listed on my credit report. Under the provisions of 15 U.S. Code 1681g, I request that you provide physical verification of the original signed consumer contracts for each of the following accounts : DEPT OF ED/XXXX Acct # XXXX DEPT OF ED/XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I am entitled to full and accurate disclosure of the information in my credit report, including the method and sources of information. I am concerned that fraudulent accounts may have been reported under my name, and therefore, I am requesting that you verify the authenticity of the reported accounts by providing physical copies of the original signed consumer contracts. 

Without physical verification of these contracts, anyone paying for your reporting services could easily fax, mail, or email fraudulent account information, which could then be mistakenly reported on consumers ' credit reports. This lack of verification can lead to significant harm and undue hardship for consumers who are victims of identity theft or other forms of fraud. 

Please take this letter as a formal request for the following actions : 1. Investigate and verify each account listed above through the physical examination of the original signed contracts.

2. Provide me with copies of these original signed contracts as proof of the validity of these accounts.

3. Remove any and all accounts that can not be verified with the original signed contracts from my credit report immediately.

In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation and respond to my request within 30 days. Please confirm in writing that you have received this request and outline the steps you will take to address my concerns. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a Notice to Cure concerning my ongoing issues with Avant regarding my credit card application and account management. 

XXXX. **Delay in Receiving Credit Card : ** Today marks one month since I applied for the Avant credit card, and I have yet to receive the physical card. This delay has caused significant inconvenience and distress. 

XXXX. **Incorrect Reporting on Credit Report : ** My credit report currently shows a {$75.00} balance with Avant. This could lead to a reported late payment, potentially reflecting as a 30-day late payment, which would severely impact my credit score.

3. **High APR Concerns : ** I have been informed that my Annual Percentage Rate ( APR ) is set at 35.99 %. This excessive rate is alarming, particularly since I have been unable to access the card.

4. **Customer Service Experience : ** I have reached out to Avant multiple times, speaking with several representatives and a manager. Unfortunately, I have received no satisfactory resolution, and it was concluded that there was a lack of information regarding my case. This has been unacceptable and has caused me significant emotional distress. 

XXXX. **Concerns of Fraud : ** Given the circumstances, I believe that Avant may be engaging in fraudulent practices and misusing my information. The failure to properly disclose my rights and the procedures for addressing these issues further exacerbates my concerns.

**Request for Resolution : ** I hereby demand that Avant take immediate action to remedy the following : - Correct the reporting on my credit report by deleting the tradeline and waiving the {$75.00} balance. 
- Provide statutory damages for the distress this situation has caused. 
- Compensate for emotional distress damages due to the ongoing issues and lack of support. 

If these matters are not resolved properly and immediately, I demand arbitration to settle this situation. 

Thank you for your attention to this serious issue. I look forward to your timely response and a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
The company tries to call me requesting more than XXXX USD for a debt that I do not owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( {$1200.00} ) Account number - ( don't have ) This company removed collection from my report and then put it back. This company is working illegally. It is very frustrating and I have not received any letter from them...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon checking my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for why they are there. I routinely monitor my report, but this time, I noticed discrepancies that hadnt been there before. I even attempted to refresh my browser, thinking it might be an error, but the accounts remained. Due to this issue, I kindly ask for a detailed review of the documents Ive submitted to ensure I never have to deal with this problem again.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A company XXXX XX/XX/XXXXremains allowed by Experian to report a medical collection on my credit reports please remove. I have asked them to remove and put a stop on them reporting they have failed to do so

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a partial payment for materials and labor for remodeling work at my building which located in XXXX XXXX. I live in XXXX  and the job was supposed to be done in XXXX XXXX. The contractor told me that he is doing the work and sent me fake photos of material and the job location. The imposter contractor did not do any of the work. The job was never started and the contractor took my money and left. Payment was made to XXXX XXXX. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$7000.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want this account removed .The amount is incorrect. I was already out of the apartment and I have a 60 day notice and a ledger that states that the rent was paid in full at the end of the lease.

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