vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concem : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXXXXXX XXXX XXXX XXXX I received a text from someone pretending to be my bank, Bank of America XXXX about some suspect transactionsa {$35.00} charge from XXXX XXXX  and a {$9400.00} wire transfer. They texted asking if I made those transactions and I responded back with no. They immediately called me from that same phone number pretending to be a banker from Bank of America. They said they would immediately reverse the {$35.00} back to me, which they did, which made me trust this person. Then he said in order to deal with the wire transfer that was pending on his end I had to send the exact transfer to his superior named XXXX XXXX to then credit it back to me. I fully trusted that this was someone from my bank trying to make my fraudulent charges get resolved but was instead fully scamming me. He had me wire {$9400.00} from my savings. Right after the call ended I walked into a BofA branch to close my accounts and open new ones since I was compromised. The banker I spoke to informed me that the call I received was an imposter and that THAT was the scam and that he would open a fraud claim and try to recall the wire but that there wasnt much else he could do. I took action very quickly but he said that wires hit the recievers account immediately so getting my money back would be challenging. I cant believe BofA didnt ask for more authorization or flag my HUGE wire transfer ( which Ive never made before ) to try and get ahead of the scam. Please help! : (

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> American Express Attention : Customer Service / Charge Off Records American Express XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Account Information Charge Off Records Dear American Express Customer Service XXXX I am writing in reference to my account with American Express , which has been charged off. I would like to request specific records related to this account for my personal records and clarification. Please provide the following information : 1. The date of first delinquency for my account.

2. The date of charge off.

3. The date of last payment. 

Please note, I am not disputing the charge off or any other aspect of the account ; I am simply requesting this specific information for my own records. I would appreciate it if you could provide these details at your earliest convenience. 

If any further information is required from me to process this request, please let me know. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: UT

Complaint narrative:
XXXX XXXX XXXX still reporting on a debt that is past 7 year 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
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: OneMain Finance Corporation
State: CA

Complaint narrative:
I had wrong account information for my XXXX car payment due to an error with my account number being wrong. I paid in full 1 day late after 30 days past due with my debit card and I am current on my loan to this day, and I have not received a letter in the mail and my dispute says denied on XXXX XXXX. My payment was not accepted and then returned without any information and I've called Foursight Capital multiple times to resolve my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion, XXXX, and XXXX delete and block information appearing on my consumer credit report that is the result of identity theft and fraud within at least 4 days of you receiving this complaint. The fraudulent, inaccurate, and false information of a personal credit card account, personal loan, and an auto loan opened. Due identity theft and the data breaches from XXXX which also caused my information to be exposed. Also XXXX with the complaints filed on XXXX failing to properly report. 

The following are accounts that are fraudulent 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 

These fraudulent accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge offs are the result of identity theft and fraud.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: WV

Complaint narrative:
They let this XXXX XXXX take money from my account after I showed them he had hacked my account and changed my phone number he kept changing my password, my email and my phone numbers I even sent a screen shot of all this to confirm all this to to customer service representative they still let him take the money didnt do nonthing about it! I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I asked several times for them to stop contacting me, I returned the vehicle to the dealership that has since then shut down.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed tot 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 Electric 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 2025-01-26 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: MN

Complaint narrative:
I have requested for XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ) of the United States to review this complaint. The following accounts and hard inquiries currently listed and showing on my ExperianXXXX XXXX XXXX XXXX XXXX credit report is fraudulent accounts and hard inquiries 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 2025-01-26 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: VI

Complaint narrative:
( 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 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 Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to formally dispute the civil liability claim for negligence referenced as 1681 XXXX. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to formally dispute the civil liability claim for negligence referenced as 1681 0. After reviewing the claim and associated documentation, I believe that the determination of liability is unjust and does not reflect the actual circumstances of the event in question. Below are the key points of my dispute : Factual Discrepancies : The claim alleges that my actions were negligent, but the circumstances surrounding the event are not accurately represented. [ Provide a brief summary of the facts from your perspective, including any evidence or witnesses that support your position. ] Absence of Negligence : It is my belief that the incident occurred without negligence on my part. [ Explain why you believe the incident was not caused by your negligence, providing any supporting evidence, such as safety measures you took, adherence to procedures, or lack of a duty of care. ] Mitigating Factors : Additionally, there are mitigating factors that must be considered, including [ mention any factors that reduce or eliminate your liability, such as weather conditions, unforeseeable events, or actions taken to prevent harm. ] Inadequate Documentation : The evidence provided does not substantiate the claim of negligence. [ If applicable, explain any gaps or inconsistencies in the documentation provided by the claimant. ] Given these points, I respectfully request that this claim be reviewed and reconsidered. I am open to discussing this matter further and am happy to provide additional evidence or clarification as needed. 

Please confirm the receipt of this letter and advise on the next steps in resolving this dispute. I look forward to a prompt and fair resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have reported 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 2025-01-26 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:
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 24 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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 federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these accounts have been marked as inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
I have no knowledge of this account it popped up on my credit history, please send any verification & sign documents of this credit i owe because in my knowledge it would be considered fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am making this complaint because 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 infeasible. 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 2025-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Services of Iowa Inc.
State: MN

Complaint narrative:
I have requested for XXXX XXXX, XXXX of the Consumer Financial Protection Bureau ( CFPB ) to review this complaint. I received a letter and harassing and threatening phone calls from Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account from XXXX XXXX, Account Number : XXXX, Reference Number : XXXX. The debt collection account isnt my account or debt. The debt collection account is the result of identity theft. I have never received any medical treatment or services from XXXX XXXX.

Company response to consumer: Closed with explanation