vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> at about XXXXXXXX XXXX I was at a public park drinking with some locals I had just met in XXXX, XXXX. One of the men must have slipped something in my drink ( very common there ), because I went XXXX. I woke up at about XXXX XXXX. in the same park and returned to my hotel. 

The following morning, at about XXXXXXXX XXXX. I woke up. I felt my pockets to make sure that last night was not a dream, but my phone and wallet were missing. At about XXXX XXXX. I went down to the reception. At about XXXX XXXX. the receptionist got me a phone to let me call Chase bank. 

From XXXX XXXX. to XXXX XXXX. I was attempting to get the telerobot to connect me with an agent, but it just kept responding, " Please enter your credit card number, debit card number or account number to speak with an agent ''. I kept telling the robot that I don't have any of that information, and that i need to be connected with someone immediately. The telerobot never did that for me. 

At about XXXX XXXX., right as the banks opened, the thieves were able to send electronic transfers to themselves using my phone that they stole, and they successfully picked up XXXX XXXX of my funds ( {$5300.00} ) within just XXXXXXXX XXXX. Strange that Chase allowed this, as the highest amount I had previously withdrawn in one day was {$1500.00}, or XXXX XXXX of my funds. 
What's more, is that these transactions were not targeted to users that I had interacted with before. The highest amount that I had sent to a new recipient was just {$100.00}. 

At about XXXXXXXX XXXX. I went to the police station to file a report since I had the name of the person who picked the money up from emails that XXXX was sending me, notifying that money was ready to be picked up and who the receiver was. 

In sum, I believe that Chase bank owes me {$1300.00} according to the Electronic Fund Transfer Act, since I reported the incident immediately. What's more, Chase failed to protect my finances and failed to provide me access to my finances. This is a huge issue. I entrust them with my money, and all they can do when I call them is connect me to a robot that just repeatedly asks me my debit/credit card number? The robot never even says, " If this is an emergency press XXXX ' ".

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: SC

Complaint narrative:
I mailed a signed request form to withdraw excess XXXX XXXX contributions from my XXXX Bank account on XX/XX/XXXX. After XXXX weeks, no action had been taken. I called XXXX and they claimed they never received the form. I then printed, signed, scanned, and emailed a new form to them and received an automated email receipt. It has now been another XXXX weeks and no action has been taken. I called and they can't provide any information on whether they have the form or if or when it will be processed. It must be processed before the tax deadline or I will owe a penalty to the IRS. It is impossible to get connected with anyone at XXXX that can provide answers other than reading from a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

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 2025-02-13 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: MI

Complaint narrative:
My information has been exposed during a data breach

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 me having to start a new account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) Electronic Fund Transfer Act 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I have been with Citi bank since XXXX of XXXX I have had no issues with Citi bank I even had my father and mother move to Citi bank however all of a sudden on XX/XX/XXXX I was locked out of my account with no account access I call the customer service number I get transferred to the XXXX department I speak to some lady and she tells me Citi bank was ending its relationship with me I was confused and XXXX founded I did nothing to violate the bank rules and regulations I have read my policy for the bank I asked why she informed she cant tell me why the bank is ending its relationship her name was EDGE I had no issues always maintained a balance I had XXXX direct deposits set up for my Citi bank account so I dont see no issues this is so inconsistent how a financial institution can end its relationship I had recently closed some accounts with Citi and now all of a sudden my access is blocked and my accounts are closing

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 2025-02-13 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:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent account have been opened under my name without my knowledge or consent. These account is charge-off which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. 
Dispute and Remove these fraudulent account and injuries. 

Account XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, a XXXX credit card was opened in my name and my XXXX XXXX, daughters name. I tried resolving this and disputing it through XXXX  but XXXX  is stating they will not remove account. Our identity was obvious used to open the account. 
The account was closed two months after opening it is what I was told, but XXXX isnt willing to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 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 that 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
This account has been closed, but customer service keep making it look open so they can keep getting payments I don't owe.i paid it off early and got a refund but they keep texting me for a {$65.00} payment making my utilization look over 30 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NJ

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 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 2025-02-13 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: MA

Complaint narrative:
The Experian report includes : - Inaccurate reporting of 30 and 60 days for 2 accounts - Inaccurate reporting of 30 days for 1 account - 2 closed charge-off accounts, requestng verification - 1 collection account The TransUnion reports includes : - Inaccurate reporting of 30 days late for 3 accounts - Inaccurate reporting of 30 days late for 1 account - 2 charge-off accounts ; 1 is PAID

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 2025-02-13 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: Harris & Harris, Ltd.
State: IN

Complaint narrative:
Multiple different hospital bills have shown up that have not been mine or anyone who lives with me. I have tried contacting the hospital to see who is the actual account owner and got no where but my account has no bills. I also have had several old accounts that have not been removed after 7 years.i also have received several letters confirming my data has been been in a data breech which is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate personal information on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA, Section 611 ). Upon reviewing my report, I noticed that multiple variations of my name are listed, which may lead to confusion or errors in my credit history. 
The only correct and legal name that should appear on my credit report is : Send copy passport Experian Trans Union

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 2025-02-13 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-13 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: Kriya Capital, LLC
State: MS

Complaint narrative:
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 XXXXXXXX, SC XXXX Subject : Dispute of Civil Liability for Negligence and Noncompliance under FCRA Section 1681 ( o ) Dear [ Recipient 's Name ], I am writing to formally dispute the matter of civil liability for negligence and noncompliance under section 1681 ( o ) of the Fair Credit Reporting Act ( FCRA ) that has been attributed to me. I believe that I have been wrongfully impacted by the actions outlined in the FCRA, and I am requesting immediate action to rectify this matter.

Under section 1681 ( o ) of the FCRA, any party that fails to comply with the requirements set forth in the Act and causes damage due to negligence or willful noncompliance may be held liable for civil damages. I have reviewed my case and believe that your actions have violated the provisions of the FCRA. Specifically, the following issues need to be addressed : 1. Negligence in Compliance with FCRA Standards : failure to correct inaccurate information, failure to investigate disputes within the legally required time.

2. Impact of Noncompliance : Incorrect credit information may have harmed your credit score, caused financial harm, & led to wrongful denial of credit.

As per section 1681 ( o ), I am requesting that you immediately : 1. Correct the inaccurate information or take action to ensure compliance with the FCRA.

2. Provide me with an explanation and evidence of the steps you are taking to comply with the law.

3. Compensate me for any damages or harm that has resulted from your failure to adhere to FCRA requirements, as prescribed in section 1681 ( o ).

Please confirm receipt of this letter and provide an update on the steps you will be taking to resolve this matter. I expect a response within the legally required 30-day period, as stipulated by the FCRA.

Thank you for your prompt attention to this serious matter. Should you need further information or documentation to assist in your investigation or resolution, feel free to contact me directly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief