vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XX/XX/XXXX XXXX - XXXX - {$210.00}XX/XX/XXXXXXXX - XXXX - {$200.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXXXX/XX/XXXX ] [ XXXX XXXX, CA, XXXX ] [ XXXX ] Dear Commenity Bank, I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written verification of the debt, including : 1. Proof that I am responsible for the debt, including copies of original agreements or contracts.

2. A full accounting of the alleged debt amount and how it was calculated.

3. The name and contact information of the original creditor, if applicable. Until these details are provided, I request that all collection effor
ts and reporting to credit bureaus regarding this debt cease immediately. If this debt can not be verified, I also request that it be removed from my credit report and that I be notified in writing of the correction.

I am exercising my rights under federal law, and I expect your full compliance. Please note that this letter is not an acknowledgment or acceptance of the alleged debt.

Please respond in writing to the address listed above within 30 days of receiving this letter. If you fail to provide adequate verification of the debt, I will pursue all remedies available under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had filed a dispute with cash app for money missing out of my account. So after a few day 's pasted by I'm waiting to here a answer about my dispute and I check my account and it has been closed so I called cash app and I talk to a representative to see why my account has been closed. They won't tell me why my account is closed so I ask them if it was cause of the dispute I had filed she told .e no. So I asked her again why is my cash app account closed then and all she would tell me is she don't know ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I'm following a complaint against Cash app Block , Inc due to inadequate customer service and unfair practices which violate consumer financial protection act.Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platforms 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 phones.Transact at these actions have called significant inconvenience and financial loans.And I seek appropriate To these isolationsredress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 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 finding indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Heres a quick summary of what happened you can include in your letters or for context : I requested XXXX XXXX XXXX provide documentation regarding an account in dispute ( Account # XXXX ). Initially, the company refused to provide auction receipts, stating they could not disclose the information. However, after filing a complaint with the CFPB, the company contradicted their earlier statements, acknowledged my request, and provided the auction proceeds. 

This demonstrates a lack of transparency and raises concerns about the reliability of their reporting practices. I am disputing this accounts accuracy and fairness and requesting its removal from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
These accounts are on my credit fradulently ive sent in several notices to equifax regarding these accounts and remarks these need to be removed asap according to laws 18 usc 1028a 15 usc 1681b 15 usc 6802 these accounts should be removed asap according to these laws XXXX XXXX XXXX  {$820.00} opened XX/XX/XXXX XXXX XXXX XXXX {$1300.00} opened XX/XX/XXXX ( Accounts need to be removed ) XXXX XXXX ( closed account ) {$6000.00} opened XX/XX/XXXX Should be removed These need to be removed asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against a cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violate the 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 funds 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 2025-01-23 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: FL

Complaint narrative:
There are multiple accounts on my credit report that were reviewed and our fraudulent as I do not own these accounts. Send in the information to credit reporting agency, XXXX, XXXX XXXX and expiren Items are still on my report and they stated verified. I have asked for information on how this was verified as this is my name and my credit report and these are not my accounts.

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 2025-01-23 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the in accurate information listed on my credit report. In accordance with 15 USC 681b and 15 USC 681c. I did not authorize the reporting or release of my personal information to the companies listed below : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$830.00} Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Account Name XX/XX/XXXX Date Opened : XX/XX/XXXX Current Balance : {$380.00} HARD INQUIRES : XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquires on my credit report that I did not initiate, which constitutes as a case of identity theft. Pursuant to 18 USC 8 I do not owe any debt to these entities, and I demand the immediate deletion of these items and inquires in question to correct my credit report. Please address this matter promptly and confirm the removal of disputed entries

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am filing a formal complaint against LexisNexis for their ongoing failure to provide me with a detailed consumer disclosure report, despite my repeated requests over the last three years. I know that LexisNexis is reporting inaccurate information about me, yet they have continuously sent stall letters claiming that I have not provided sufficient proof of identity.

In response to their requests, I have provided my proof of address and identification, including my passport, but they have failed to fulfill their legal obligation to provide me with a report. I have numerous letters from LexisNexis acknowledging my requests, but they have yet to send the report, leaving my concerns unaddressed.

This negligence is a clear violation of my rights under consumer protection laws, and it has caused me substantial financial and personal harm. Due to the inaccurate and negative information LexisNexis is reporting : - I am facing increased insurance rates for both auto and renters insurance.

- I am unable to obtain housing due to negative data retrieved from LexisNexis reports.

These inaccuracies and LexisNexiss refusal to provide me with my consumer report have severely impacted my ability to live and maintain financial stability.

I am requesting the CFPB to hold LexisNexis accountable for their violations of the law as it pertains to my consumer disclosure report. Additionally, I request immediate corrective action to : XXXX. Provide me with a complete and accurate copy of my consumer disclosure report. 
XXXX. Investigate and remove any inaccurate or unverifiable information being reported about me. 

Their inaction over the past three years has caused ongoing harm, and I urge the CFPB to intervene to ensure compliance and resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
I have about 67 hard inquires on my credit report that didnt come from me. Ive tried contacting XXXX, TransUnion and XXXX but they will not remove this misinformation.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have about 67 hard inquires on my credit report that didnt come from me. Ive tried contacting Experian, XXXX and XXXX but they will not remove this misinformation.

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 2025-01-23 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: IL

Complaint narrative:
I filed a dispute with Experian on a Fraudulent identity theft collection reporting on my credit report. I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XX/XX/XXXXXXXX XXXX has placed a collection on my account with the name XXXX XXXX. I have not used that name since XX/XX/2022. That was my married name, and it is connected with Identity theft. My daughter XXXX XXXX who was and still is attending the XXXX, IL school district. The said above address is an hour and 20/30-minute commute in the morning and a 2-hour commute after school. My daughter grammar school records reflect the XXXX XXXX because I divorced when she was in the sixth grade and just forgot to update it with the school. It was impossible for me to live at the said address during that time frame. I lived next door to the Mayor of XXXX, IL. I raised all of my children in XXXX, and they attended the XXXX, IL school district.

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 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, account # XXXX, account # XXXX, account # XXXX, account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 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 2025-01-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: DISCOVER BANK
State: NY

Complaint narrative:
My husband XXXX XXXX was approached by a family member to cosign on student loan. He agreed to help.They were given paperwork in which to pre-qualified for the loan but never came back with any documents for him to sign. They signed the documents themselves and went on to do a second loan signing the documents themselves. We are now being asked to pay when they don't pay. Discover was the company that did the financing. They sold out to XXXX even though they informed XXXX that the loan was a fraud they still will not remove XXXX XXXX from such obligations. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with non-monetary relief