vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX  accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX {$250.00} date opend : XX/XX/XXXX XXXX XXXX BALANCED {$500.00} DATED OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} DATE OPEN : XX/XX/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 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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
Letter was sent to collection agency letting them know I was in receipt of the letter they sent and I was disputing the alleged debt. I also ask them to provide me with documents verifying that Inowe them money and not a bill from the original creditor or a screen shot of information from the original creditor. I also asked them to send legal proof that they have the legal right to collect in my state and the supporting video gravy between than and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
I am filing this complaint against Experian due to their failure to properly investigate and reinvestigate my dispute regarding multiple inaccuracies in my credit report. This issue involves an account reported by XXXX XXXX XXXX XXXX XXXX XXXX  with the account number ending in XXXX. 

The following are the specific issues : XXXX. XXXX XXXX and XXXX : - The account is listed as charged off with a balance of ** $ XXXX as of XXXX XXXX. 
- However, I have evidence suggesting inaccuracies in the reported balance, payment history, and the dates associated with the delinquency status. 

2. **Failure to Investigate** : - I initiated a dispute regarding these inaccuracies, and although Experian updated the account in XXXX XXXX, their actions did not resolve the inaccuracies. 
- My dispute clearly outlined concerns about incorrect payment history, the misreporting of the balance, and the inconsistency in the charge-off timeline. 

3. **Reinvestigation Lacked Due Diligence** : - Experians response did not adequately address the evidence I submitted. 
- Instead of conducting a thorough reinvestigation, the account remains inaccurately reported, damaging my credit profile. 

# # # **Impact on Me** : The failure to correct these errors has significantly impacted my financial reputation and credit score. This has led to difficulties in obtaining credit and higher interest rates.

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: FL

Complaint narrative:
Its incredibly disheartening to see how inaccuracies on my report are impacting my score and limiting my opportunities. Ive put in hard work to manage my finances, yet Im being held back by errors that shouldnt be there. Its not fair, and its incredibly frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am submitting this complaint to request that TransUnion take immediate action, in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX  to block fraudulent information from my TransUnion consumer credit report within 4 business days. The accounts, collections, hard inquiries and address in question are the result of identity theft and do not belong to me. I request that these items be removed from my credit report within 4 business days of receipt of this complaint, as stipulated under the FCRA. The fraudulent information that needs to be removed includes the following : XXXX XXXX Opened XX/XX/XXXX with a balance of {$590.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX Opened XX/XX/XXXX with a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX with a balance of {$2600.00} XXXX & XXXX XXXX XX/XX/XXXX with a balance of {$490.00} My only address is XXXX CORAL XXXX XXXX XXXX XXXX XXXX FL XXXX. None of these accounts, collections, hard inquiries and addresses were initiated by me, and they are a direct result of identity theft. As evidence of the fraudulent activity, I am including a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) & ( # XXXX ). I expect that TransUnion will act swiftly to resolve this matter and block the fraudulent information from my credit report as required by law.

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 2025-01-25 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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
For many years, I have paid my Citibank credit card by selecting pay your remaining Last Statement Balance on Citibank.com and incurred no interest. So for my XXXX statement, I paid the same way. So when I incurred interests in my XXXX statement, the customer service told me I can not follow the remaining last statement balance on their website because that included a refund from a merchant, I need to go to the actual statement and pay the last statement balance from there but she made an exception and waived my interest in the XXXX statement. So for my XXXX statement I overpaid my actual statement balance by {$200.00} because of my concern about trailing ints. Despite that overpayment, I still incurred interests in my XXXX statement despite my overpayment. Citibank told me they can not waive the XX/XX/year> interests even though I escalated XXXX levels up. I even shared with them I used to work at XXXX and they have the ability to suppress trailing ints. I decided on my own to stop using the card to stop the trailing interests on my card and may consider not using this card anymore. I am upset they are not able to waive my XX/XX/year> interests and I hope you will not give me the same answer they are giving me after your 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 monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-25 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: MD

Complaint narrative:
I submitted a dispute to Experian to block accounts I identified as fraudulent under XXXX XXXX XXXX. My submission included all required documents : an FTC Identity Theft Report, proof of identity, a detailed statement of disputed accounts, and proof of my inclusion in the XXXX data breach. Despite meeting FCRA requirements, Experian improperly denied my request, citing the lack of a police report and other baseless reasons. The FCRA does not require a police report when an FTC Identity Theft Report is provided. Their refusal violates the FCRA and hinders my ability to resolve this issue. See attached documents for further details.

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 2025-01-25 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: GA

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 2025-01-25 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. 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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: TX

Complaint narrative:
Good day, I can not stress enough how frustrating and overwhelming this situation has been. Imagine waking up one day to find yourself burdened with a debt you know nothing aboutunverified and absolutely not yours. To make matters worse, Ive been subjected to harassment through various communication platforms, often accompanied by threats of legal action. I never thought Id start my mornings with such stress and XXXX. As a law-abiding citizen, this is not only insulting but also a blatant violation of my rights as a consumer. This situation has taken a significant toll on my mental health, leaving me sleepless for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-01-25 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: CA

Complaint narrative:
XXXX XXXX has illegally pulled my credit XXXX times since XXXX according to experian. 
XXXX XXXX 

this is a crime. there is ongoing litigation. stop. as i have written and demanded many times before. i have opted out of all credit products years ago. this is criminal. send the response to XXXX and cromwell. XXXX XXXX XXXX New York 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 2025-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
There was a lemon, but we couldn't prove that it was we started to have problems out of the car. we traded our car in for a car that was supposed to be a better car the car had approximately XXXX miles on it but the salesperson that sold us the car said it was a great and a one-owner. we had to have a transmission put in the car the car had a lot of recalls on it. they told us they would fix it never happens but when we took the car to the mechanic, he showed us where someone had rigged it up so the car could run for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Glass Mountain Capital, LLC
State: MA

Complaint narrative:
My daughter and I was in a car accident I received text messages and letters about a bill its also impacting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX Account # XXXX open XX/XX/year> reported on all 3 credit bureau 's Experian, XXXX, and XXXX without my knowledge or approval. I've sent letters and made calls to the company and disputes to all 3 credit bureau 's about this account and they have not done the proper research to remove this account from my credit report. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
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. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX Ga XXXX Phone XXXX XXXX XX/XX/year> XXXX XXXX Department XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, 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 XXXX 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. Im deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information 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 explanation