vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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 '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 2025-02-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
On all three of my credit report I have multiple inquiries that doesnt belong to me I have placed a fraud alert on my accounts all ( XXXX ). I only should have XXXX XXXX XXXX, XXXX XXXX, and nothing else I have all types of inquires that doesnt belong to me and I would like to be removed and deleted this is taking a toll on my credit. I have reached out to all three ( XXXX ) bureaus and nothing has changed.. I have repeatedly contacted all three bureaus to update my credit reports and nothing has happen this is overwhelming and is also giving me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: LA

Complaint narrative:
On all three of my credit report I have multiple inquiries that doesnt belong to me I have placed a fraud alert on my accounts all ( XXXX ). I only should have XXXX XXXX XXXX, XXXX XXXX, and nothing else I have all types of inquires that doesnt belong to me and I would like to be removed and deleted this is taking a toll on my credit. I have reached out to all three ( XXXX ) bureaus and nothing has changed.. I have repeatedly contacted all three bureaus to update my credit reports and nothing has happen this is overwhelming and is also giving me 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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which I believe 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. Despite my efforts to resolve the situation, Cash App 's response was slow and ineffective, further exacerbating the issue.

Additionally, their dispute resolution process was both unfair and deceptive, as Cash App did not comply with the error resolution requirements set forth under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This lack of proper dispute handling and failure to follow the mandated procedures has caused significant inconvenience and financial loss. 

As a result of these practices, I am seeking appropriate redress for the inconvenience and financial harm I have endured. I request that the CFPB investigate Cash App 's actions and hold them accountable for their failure to adhere to the protections outlined under the CFPA, EFTA, and Regulation E. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/year> amount XXXX I was paying for a warranty but the warranty had me paying XXXX a month I put it in the shop and they decided not to pay so I couldn't pay the carnot and warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-17 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: AL

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. **Account Name : ** XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report This company is in collection and it also sold my information to another company which is also in collections. In the name NCS ( NATIONAL CREDIT SYSTEMS ) Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I'm Requesting an inquiry removal in regards to the inquiry made on XX/XX/year>. I was sent a promotional email for a credit card. But I was not given the correct product that I intended/ applied for. I called XXXX XXXXXXXX to resolve the issue and was given specific instructions which included waiting for a response/ resolution which never occurred- ( all calls are recorded please refer to the call that was made ) I am writing to formally file a complaint regarding an unauthorized or incorrect inquiry on my credit report. I believe that this inquiry is the result of an error made by XXXX XXXX in relation to a product that was not what I had requested or applied for. 

I applied for a credit card with XXXX interest for 12 months but was mistakenly provided with a different product, which led to the credit inquiry being performed. I did not authorize an inquiry for this specific product, and it does not reflect my intentions during the application process. 

I have contacted the company, and despite my efforts to resolve this issue, the i

nquiry remains on my credit report. This incorrect inquiry is adversely affecting my credit score and creating potential issues with my creditworthiness. I am reques
ting that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of this incorrect inquiry from my credit report.

Please let me know if any further information or documentation is required from me to facilitate the investigation. I look forward to your prompt resolution of this 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 explanation
Consumer complaint received 2025-02-17 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: AZ

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

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 2025-02-17 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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
i asked the company to send me original contract between me and them and they didn't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I have contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX, XXXX, and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. Eastern Account System does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am requesting that you validate this debt as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information so I can properly assess the validity of this debt : 1. The name and address of the original creditor. 2. A copy of the written agreement, contract, or other documentation that establishes this debt. 3. An itemized accounting of the debt, including the original amount, any fees or interest added, and how these charges were calculated. 4. Proof that you have the legal authority to collect this debt, such as a copy of your agreement with the original creditor. 5. A complete record of all payments made and their application to the balance. Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies, as failure to validate the debt could be a violation of the FDCPA. Additionally, if this debt is found to be invalid or can not be verified, I request that you inform all credit reporting agencies to whom you may have reported this debt, and remove the listing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX  XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX High Balance : {$44000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX High Balance : {$22000.00} {$22000.00} Account Name : XXXX XXXX  Account # : XXXX High Balance : {$3500.00} Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$4300.00} ccount Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$160.00} {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$360.00} {$360.00} {$360.00} XXXX  XXXX  Account # : XXXX XXXX High Balance : {$6900.00} {$6900.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$260000.00} {$260000.00} {$260000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX High Balance : {$17000.00} {$18000.00} {$17000.00} Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$1800.00} {$0.00} {$1800.00} Account Name : XXXX XXXX Account # : XXXX High Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XXXX XXXX XXXX  XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : done XXXX XX/XX/XXXX XXXX done XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : done XXXX  XX/XX/XXXX XXXX done XXXX XXXX  XX/XX/XXXX : done

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

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 2025-02-17 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: GA

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
on XX/XX/year>, I noticed on my Chime online account that on XX/XX/XXXX, there was a charge of {$35.00} on there to a closed account. I disputed the charge, and Chime denied it without offering evidence to the contrary. 

Additionally, doing research of my account, I noticed that there were other monthly charges of {$35.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). These charges were to a company called " XXXX '' in which I did at one time have an account with them but was closed In XXXXXXXX XXXX XXXXXXXX with a XXXX balance as well as today, it still shows a XXXX balance on the closed account. 

I logged into my Chime account and chatted with a live rep and explained to her my issues regarding the dispute. She stated to me ( I am including screen shots of that conversation ) " I shouldnt be getting the charges. the account was closed months ago ''. She also stated that " it looked like it was going to someone elses account and I needed to file a dispute with my bank ''. 

With all this new information in hand, as well as the documents showing other monthly charges of {$35.00}, I appealed the denied dispute which the reason they gave as the denial is " the transaction was canceled '' ( how stupid? ) if it were canceled, why the charges? 

Never the less, i submitted those new documents and the screen captures of the comversation with the Chime Representative and YET, they STILL denied the dispute! I have been a customer since there inception and TRUST ME, this isnt the first time this has happened. Chime is well known for rejecting disputes. there are SEVERAL blogs out there and posts of consumers saying the same thing about there dispute process. or " lack-there-of ''! 

I am closing my account. I have found another competitor and have allready started the direct deposit transfer process. Start up companies like Chime start small, and then get inflated, they think they are above consumers and the government and real banks. There is a reason they can not get FDIC insured! 

Please continue to make an example of them as you have in the most recent class action suit. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX Account # XXXX Amount {$38000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$9300.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$25000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$3900.00} TRANSUNION deemed these accounts as accurate, WHEN THEY ARE indeed INACCURATE they did not properly investigate these accounts during my disputes nor did they provide any evidence of a thorough investigation per my request.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
CFPB, Can you please make them remove these negative accounts that's infecting my consumer credit report. Under consumer code 15 USC 1681eb. According to the IRS canceled debt a ( CHARGE OFF ) is gross or ordinary income. Income doesn't get reported on your consumer report. Since income doesn't get reported on your consumer report. A ( CHARGE OFF ) is inaccurate account and it have to be removed. Here are all my alleged accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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