vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have received errors in credit reporting from Equifax and XXXX. The two bureaus didn't properly investigate my disputes and reinserted inaccurate information to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXX Dear XXXX XXXX XXXX , I am writing to formally request validation of the debt you have reported on my credit report, as referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of this debt before taking further action. 

Please provide the following Proof that you have the legal right to collect on this debt. 
A detailed account history, including the original creditors name, account number, and the date the debt originated. 
A copy of the agreement or contract that created the obligation to pay. 
A full breakdown of the total amount being claimed, including the principal, interest, and any fees. 

Until this debt is validated, I request that no further collection activities or reporting occur on this account. Additionally, if you are unable to validate the debt, I ask that you cease all collection efforts and remove the account from my credit report. 

I request a response within 30 days of receiving this letter. Please send your response to the address listed above. 
XXXX Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Subject : Request for Debt Validation Account Number : XXXX Dear XXXX XXXX XXXX , I am writing to formally request validation of the debt you have reported on my credit report, as referenced by the account number above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and obtain verification of this debt before taking further action. 

Please provide the following Proof that you have the legal right to collect on this debt. 
A detailed account history, including the original creditors name, account number, and the date the debt originated. 
A copy of the agreement or contract that created the obligation to pay. 
A full breakdown of the total amount being claimed, including the principal, interest, and any fees. 

Until this debt is validated, I request that no further collection activities or reporting occur on this account. Additionally, if you are unable to validate the debt, I ask that you cease all collection efforts and remove the account from my credit report. 

I request a response within 30 days of receiving this letter. Please send your response to the address listed above. 
XXXX Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I didnt know my account was closed until XXXX XXXX before my employer sent the money to the account. My direct deposit was to hit the already closed account XXXX XXXX. Ive been calling CITIBANK about my deposit and 3-4 of their employees told me it takes 7-10 business days for them to send the check back to my employer. When I called just 5 minutes ago XXXX XXXX a lady told me she doesnt see the deposit from XXXX XXXX and it will not get sent back. Ive been calling CITIBANK for over a week about my money and I still do not have it in my correct account and my employer said the bank havent sent anything back. CITBANK need to pay me my money and send the check in the amount of {$1100.00} back to my employer so that I can get 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies inn 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. 1981I, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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-CFPD-0002 ) against them for similar actions. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. 



These are the accounts that I have marked as inaccurate. 

XXXX XXXX account no. XXXX XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX, XXXX account no xxxxxx XXXX XXXX account no. # # # # # XXXX XXXX XXXX XXXX account no xxxxxx XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. XXXX XXXX XXXX XXXX account no. 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
XX/XX/year> I originally made contact with customer service using the number on that back of my Bilt rewards card. I was trying to get information on my credit boost application consistent denials without detailed explanation of why. They have many departments and I was sent to the credit card department that does not handle or can service Bilt rewards so-called benefits. I was told by a representative that Bilt rewards ONLY talks to their customers through a chat system. I eventually was connected to someone in chat named XXXX. I told her my reason for contacting XXXX and she gave me a prescript response like the last agent and Closed the chat Rudely without responding to my inquiry. Instead she said someone will contact me by email instead of her doing her job in answering my questions. This company has terrible customer service, they are not transparent with the way they do business. I attempted to speak with a supervisor or XXXX and the XXXX agent name XXXX same day at XXXX immediately close the chat and said she will relay the information to their supervisor instead of connecting me with the supervisor. These people don't like taking responsibility for their business practices. I want the CFPB to investigate Deceptive marketing used in all Bilt rewards so-called benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

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 2025-01-24 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXX 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding 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 2025-01-24 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XXXX XXXX account number XXXX,, a personal loan account opened at XXXX XXXX on XXXX the account number XXXX XXXX a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a bankruptcy account opened aXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under reference account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
Consumer Financial Protection Bureau po box 2900 Clinton, IA 52733-2900 Subject : Formal Request for Debt Validation Dear CFPB, I am writing to formally dispute and request validation for one or more collection accounts appearing on my credit report. I believe these accounts may be inaccurate, and I am requesting that the debt collectors provide proper documentation to verify the validity of these debts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I request the following : 1. Full validation of the alleged debt, including an itemized breakdown of the amount owed and any fees or charges applied.

2. Proof that the collection agency has the legal authority to collect this debt, including documentation of assignment or transfer.

3. The name, address, and contact information of the original creditor. 

I request that these accounts be removed from my credit report until proper validation is provided. If the information can not be verified, I ask that the accounts in question be permanently deleted in compliance with the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you.

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: NY

Complaint narrative:
Im fed up with the persistent inaccuracies on my report. These errors are causing real harm to my score and are costing me opportunities that Ive worked hard to earn. Its exhausting to keep dealing with the fallout from mistakes that are completely out of my control. How am I supposed to move forward when Im being unfairly held back by a report that isnt even accurate?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my report. DESPITE MY SUBMISSIONS, XXXX consistently responds within 24 hours stating the account is accurate. With out providing any evidence of thorough evidence. The company violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandate 's a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer the consumer financial protection act ( cfpa ), 12u.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 XXXX complies with the necessary proof of 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my report. DESPITE MY SUBMISSIONS, XXXX consistently responds within 24 hours stating the account is accurate. With out providing any evidence of thorough evidence. The company violates the fair credit reporting act ( FCRA ), 15 u.s.c 1681i, which mandate 's a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer the consumer financial protection act ( cfpa ), 12u.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 XXXX complies with the necessary proof of 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I received a phone call that I missed on XX/XX/year>. I was in a meeting with XXXX XXXX XXXX XXXX which was the reason why I was unable to answer. Once the meeting was over, I called the number which was ( XXXX ) XXXX. The company stated that they had no information for regarding myself including my telephone number. I woke up the next day on XX/XX/year> with a message from XXXX XXXX stating that a hard inquiry was ran per this company. I contacted the company and told them I have never applied with this company. The manager on the phone stated that I did not apply with the company. This company can not provide any signatures or permissions or provide any information as to how and why they ran my credit without my permission. I am currently i am in progress to repair my credit with the city of XXXX XXXX which will now be put on hold due to the need to freeze my credit hindering any progress. 
XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX XXXX : Open Closes XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XX/XX/XXXX there were XXXX changes made to my Transunion credit report. The words posted by you " the company '' in reference to the removal of derogatory accounts, " this is great news! collection accounts can do a lot of damage to your credit score. Also, once a closed account is removed the account details no longer affect my score. So how is it that as recent as today my credit score doesn't reflect what Transunion quotes on the site? My score does not reflect the updates made.

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