vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
In XX/XX/year> I started to look into seceral account that where showing inaccurate information on my credit report, including charge offs that were showing as still active and open accounts. There were also several dates that were showing late pay XXXX XXXX that were charge off accounts. This was all significantly hurting my credit report. when I initiated all of these actions with experience, they did absolutely nothing. They did not investigate anything. They just sent me back a report saying that everything was fine. Then all the creditors went and updated the dates to a current date as if all of these collections were new. Resetting the dates dropping my score even further down. This is all a scam I found this out and wanted to sue them myself. I can not believe they take advantage of the American people this way. No system should run this way. I am a single mother and could not rent an apartment for XXXX months because of what they did to my credit report XXXX in palliative care and extremely sick.

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 2025-01-24 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: SC

Complaint narrative:
I am writing to formally express my concerns regarding to XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but 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 2025-01-24 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: CA

Complaint narrative:
Equifax will not remove, information was removed by other bureaus : XX/XX/year> - southeast financial XX/XX/year> thd cbna XX/XX/year> - XXXX bank XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I dont remember the amounts but I have information on my credit report by XXXX and XXXX  for years. They are constantly being sold to a third party with personal information. I also have a student loan dated back over tens years that was paid in full and its still reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
Credit companies were not deleting incorrect information and not updating my profile or account information

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 2025-01-24 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: TX

Complaint narrative:
Credit companies were not deleting incorrect information and not updating my profile or account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Bright Capital Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed a certified check for {$2000.00} to Bright Moneys payment address, as provided by their representative to : Bright Capital Inc XXXX XXXX XXXX Floor XXXX XXXX XXXX. Ca XXXX XXXX tracking confirms the check was delivered and received by Bright Money on XX/XX/XXXX, at XXXX AM. 

Despite repeated phone calls, emails, and chats with supervisors, the company did not apply the payment to my account. On XX/XX/XXXX, Bright Money finally acknowledged receipt of the check via email ( attached ) but falsely claimed it was received on XX/XX/XXXX rather than XX/XX/XXXX. 

Since then, Bright Money has : XXXX. Continued to make unauthorized withdrawals from my bank account, even after I requested they stop in XX/XX/XXXX. 

XXXX. Provided only automated responses or non-committal replies from customer service representatives, claiming the issue was being " escalated. '' XXXX. Refused to refund the overpayment or provide written confirmation that my account is paid off. 

On XX/XX/XXXX, after speaking with a bot, I was told my account was canceled, and my bank account would no longer be charged. However, I was informed I would be penalized with a late fee for not making payments on an account that was already overpaid. To date ( XX/XX/XXXX ), the payment has not been applied, and no resolution has been provided. 

In Spite of all my effort Bright Capital Inc continues to pad an account with interest that should have been PAID IN FULL PLUS and harass me about a DELIQUENT ACCOUNT and threats with credit reporting! I would also like to point out their very AGGRESSIVE and Harassing emails and texts from the XXXX of the prior month CONSISTENTLY until the ACTUAL DUE DATE of the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MI

Complaint narrative:
Did not prove accurate updated and did not remove anything- stated they verify the information which in fact they did not when I provide proof of no account and inaccurates

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding, extremely high interest rates and late fees. The fees added on were unreasonable and so frequent that it caused me to drown in debt, when I was once making all payments on time. My usual on-time monthly payments eventually were not enough, after unwarranted fees kept being added to my account. These fees on top of random fees and transfer fees, kept accumulating causing me to fall behind instead of decreasing the amount I owed. My credit card account has since been closed with fees still piling up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint against cash app block inc, due to inadequate costumer service and unfair practices witch violate the customer financial production 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 requirement under the electronic fund transfer act EFTA and regulation E,. these actions have caused significant inconvenience and financial loss and i seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
XXXX. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : 1. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
XXXX. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
XXXX. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney XXXX office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Your response regarding the disputed accounts and inquiries, including XXXX XXXX XXXX XXXX and XXXX XXXX, is unacceptable and in clear violation of federal law. You have a legal obligation to ensure the accuracy of the information you report, and your blatant disregard for compliance will not be tolerated. 

Issues with Your Response : 1. XXXX XXXX XXXX XXXX and XXXX XXXX : You claimed XXXX XXXX is not reporting on my credit file ; however, I checked my Equifax credit report, and it is still present. This is a direct violation of your obligation under 15 U.S.C. 1681i ( a ) to properly investigate disputes and ensure accuracy. Reporting false or misleading information after a dispute constitutes willful non-compliance under 15 U.S.C. 1681n and is grounds for legal action. 
XXXX. Unauthorized Inquiries : XXXX XXXX XXXX XXXX and other inquiries I disputed must be removed. Your response that inquiries are a matter of fact is baseless and contradicts 15 U.S.C. 1681e ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy. I DID NOT AUTHORIZE THESE INQUIRIES, and your failure to verify them with proper documentation is a violation of my rights. 
XXXX. Willful Non-Compliance and False Statements : You claim inquiries and XXXX XXXX are not reporting or can not be removed. That is a LIE, and under 15 U.S.C. 1681n ( a ), willful non-compliance subjects you to liability for damages, attorney fees, and punitive damages. Additionally, knowingly providing false information to a consumer violates 18 U.S.C. 1028A ( Aggravated Identity Theft ). 

Reference to Current Legal Action Against You : I am aware of the ongoing lawsuits filed against Equifax by the Consumer Financial Protection Bureau ( CFPB ), holding you accountable for inaccurate reporting, failure to investigate disputes properly, and other violations of the Fair Credit Reporting Act. This only reinforces your lack of integrity and failure to comply with federal standards. 

Demands : XXXX. Remove XXXX XXXX XXXX XXXX and XXXX XXXX from my credit report immediately. 
XXXX. Remove all unauthorized inquiries, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX within 7 days. 
XXXX. Provide the detailed method of verification used to validate these inquiries, including original documentation from the data furnishers proving I authorized them. 

With my state Attorney XXXX office and file a formal suit. Furthermore, I will explore legal action for damages due to your continued violations of the FCRA and willful negligence. 

You have 7 days to respond and rectify these issues. If I do not receive confirmation of removal and satisfactory verification of your investigation, I will escalate this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
These inquiries were not authorized by me, and I did not communicate with this under the specified 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 non-monetary relief
Consumer complaint received 2025-01-24 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I voluntarily turned the vehicle in and the company sent it to collections in the amount of {$6700.00} I have been trying to work with the company and made them aware that I am not working due to XXXX and not having sufficient income and they keep harassing me stating I need to pay the debt or will have garnishments or go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: AR

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-24 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: IL

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: KS

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
My identifying information has been used without my permission for credit inquires.

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