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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Credit Acceptance ( XX/XX/XXXX ) Disputed numerous of times pertaining to inaccuracies and obsolete information. 

Credit Acceptance ( XX/XX/XXXX ) Same company XXXX XXXX ( XX/XX/XXXX ) Collection that's not accurate under my identity and being reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-23 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: SC

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. XXXX ) 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.

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX

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 — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
" I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' I XXXX XXXX did not agree to the terms in which Koalafi has reported to the credit bureaus this seems to be a third party company. Information is not accurate & should be removed immediately.

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: OH

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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experians 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. XXXX ) 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.

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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am a victim of a data breach and suspect that my personal information has been compromised. As a result, unauthorized accounts may have been created or accessed using my information. I am requesting that all accounts associated with my name and personal details, as referenced, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. This section grants me the right to request the blocking of information resulting from identity theft. Please let me know if you require additional documentation to process this request.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed transactions on my bank statements that were not authorized by me. multiple transactions even when I didnt have money and I received overdraft fees and the transaction fees, so I called the bank they investigated. They returned some of the money from the transactions to me and said it was fraud but the rest they did not I then went to my local police department and reported it. It is still under investigation with the police and I uploaded the police report to the bank. They open the investigation once again and after five days, they closed all the claims once again now Im at a - {$850.00} in the bank account that I already closed on XX/XX/XXXX because of the compromised account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I moved out of an apartment managed by XXXX in XX/XX/XXXX. As part of terminating the lease early I went into the management office and signed a Lease Termination Contract which detailed the lease termination fee ( as per the original Lease Contract 's statement that written consent is required for early termination ) and a Request for Reasonable Accommodation. I was told I would be provided a copy of those forms when finalized but received nothing after multiple requests in person and over email. 

On XX/XX/XXXX XXXXXXXX XXXX internal billing ( XXXX XXXX ) contacted me by phone to collect on the alleged debt. I noted I was disputing the debt and requested they provide the missing documentation to validate the debt. He also requested I write in noting I was disputing the debt, which I did, however the mailbox he directed me to sent a bounceback email. On the phone I asked him several times if this was the correct email because it didn't appear to be associated with the same business. I received no response from this email and I believe this was a tactic to delay resolution. 

On XX/XX/XXXX XXXX billing sent me an email noting the debt, I replied XXXX essentially restating that I was challenging the debt and needed the original documentation I was denied. I received no further calls or emails, no documentation was provided to me. 

On XX/XX/XXXX I received a collection notice form XXXX XXXX XXXX related to the XXXX lease termination. The owed debt listed is a different number than that noted in XXXXXXXX XXXX previous communication. Because of this in combination with the missing documentation, I requested validation of the debt on XXXX including relevant contracts and payment history. I also noted I was disputing the debt. 

On XX/XX/XXXX I finally received a response from XXXX XXXX  but it was missing many key aspects of the validation I requested. The Lease Termination Contract and the Request for Reasonable Accommodation were not provided. The original Lease Contract was provided but was missing pages 2 through 12 which conveniently are the pages detailing how early termination fees would be determined. They also failed to provide a payment history. Without this information there's no way to confirm that the line items contained within the Schedule of Move Out Charges align with the methodology for determining termination fees set forth in the Lease Contract and confirmed in the Lease Termination Contract. 

XXXX XXXX  then reported this alleged debt to credit bureaus before I could respond and despite my notice that I was disputing it. The termination fee can not be determined without full copies of all three noted files, and a debt amount can not be determined without a history of payments applied against that termination fee. Neither XXXX or XXXX XXXX XXXX have furnished the requested information despite multiple requests over a period of months.

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: CL Holdings LLC
State: NY

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/year> A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

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: FL

Complaint narrative:
( 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: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IL

Complaint narrative:
In XXXX I was XXXX and my card info was stolen and so my funds were used. Upon getting out XXXX of XXXX I tried to access my account and I was unable to locate it even with my social security number I had to create a new account and still can't get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX of 2020 I experienced fraud with my Wells Fargo account. Someone was able to deposit a fraudulent check, one for an amount I have never deposited before and was given almost immediate credit. The fraudsters were able to withdraw and disperse those funds, when the check came back as fraudulent I was left to pick up the pieces and pay back the negative balance. My accounts were drained and Ive been struggling to bounce back ever since. I had XXXX and Card fraud. I was multiple hours away from where the fraud was occurring and when I requested footage to help the bank they would not assist without a court order. I cant help someone identify a person if they wont give me the image and description. I no longer have access to the original email because I changed it due to fraud so I dont have specifics but the check was for over XXXX if I remember correct. 

I provided a police report as well and nothing came of it. Report : 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 2025-01-23 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: SC

Complaint narrative:
I disputed this data in XXXX, letting XXXX know this civil case ( XXXX ) was satisfied and dismissed by the judge. I have not received any proof on a thorough investigation being conducted for the disposal of this case. This case was supposed to be disposed of since XXXX. It has been almost XXXX years now, and it is still on my credit report. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 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: 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 reaching out to formally express my concerns about Zelle 's approach to handling disputes, especially in light of the recent lawsuit from the CFPB that underscores significant problems with the platform. Despite having used Zelle multiple times and reporting discrepancies, my financial institution and Zelle have not adequately investigated my claims. They informed me that they are unable to cover lost funds and that tracking these transactions is not feasible. The findings from the CFPB reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the platform, putting users at risk of scams. This lack of accountability and transparency is unacceptable and raises serious questions 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 EXPERIAN 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 a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, of collection account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX & XXXX XXXX XX/XX/XXXX under the account number 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 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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital one misrepresented the 360 savings account as having one of the nations highest interest rate, yet failed to announce to account holders about the superior rates offered by 360 Performance Savings account. This deliberate obscurity and lack of transparency violated customers trust and resulted in significant financial losses for many breaching, the Customer Financial Protection Act and the Truth of Savings Acts. I seek to redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation