vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up complaint regarding a previous dispute I filed with Experian concerning the accuracy of the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Summary of the Issue : On XX/XX/scrub>XXXX XXXX XXXX I submitted a dispute with Experian challenging the accuracy XXXX the above accounts. Experian subsequently claimed that the accounts were validated without providing sufficient evidence or documentation to confirm their accuracy. Additionally, Experian informed me that the validation process was completed with XXXX days to confirm, which raises concerns about whether a reasonable investigation was conducted in compliance with the Fair Credit Reporting Act ( FCRA ). 
This is a follow-up to my original CFPB complaint, Case Number : XXXX, as Experian has yet to provide : A detailed explanation of the steps taken to validate the accounts. 
Copies of any documents or evidence used to verify the information. 
An explanation of why the dispute was resolved without a thorough investigation. 
Desired Resolution : I request that the CFPB investigate Experians handling of this matter to ensure compliance with the FCRA. Specifically, I ask that : Experian provide all supporting documentation used to validate the disputed accounts. 
Experian be required to conduct a reasonable investigation if XXXX was not previously completed. 
If the accounts can not be properly validated, they should be removed from my credit report immediately. 
Thank you for your time and attention to this matter. Please let me know if additional information is needed. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-01-21 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: IN

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 were unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers and users but has also allowed repeat offenders to exploit their systems, leaving their users vulnerable for theft and scams. The lack of responsibility and accountability is unacceptable and raises my concerns about further use and safety for users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
XXXX XXXX XXXX, MI XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against XXXX XXXX XXXX Account No. XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

XXXX XXXX XXXX has continued to communicate with me regarding the alleged debt associated with Account XXXX. XXXX, despite my explicit written request that all communication cease. I sent a cease-and-desist letter to XXXX XXXX XXXX on XXXX date you sent the letter ], requesting that they stop all forms of communication with me regarding this matter, except to provide written validation of the debt or to notify me of specific legal remedies they intended to pursue. 

Despite my request, XXXX XXXX XXXX has continued to contact me, violating federal law. In addition, I am disputing the validity of the debt and have requested : 1. Written validation of the alleged debt, including an itemized accounting of the amount claimed. 
XXXX. Documentation proving XXXX XXXXXXXX XXXXXXXX legal authority to collect this debt. 

To date, XXXX XXXX XXXX has failed to provide the requested validation and continues to engage in collection activity. Their actions are causing undue stress and are in direct violation of 15 U.S.C. 1692c ( c ) of the FDCPA.

Requested Resolution : 1. I request that the CFPB investigate XXXX XXXX XXXX practices and ensure compliance with federal law. 
XXXX. XXXX XXXX XXXX should provide the requested written validation of the alleged debt and cease any further communication with me unless it complies with FDCPA requirements. 
XXXX. Any violations of federal law by XXXX XXXX XXXX should be addressed with appropriate penalties or enforcement action. 


Thank you for your assistance in resolving this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX Submission Instructions : XXXX. Submit the letter via the CFPBs online portal ( https : //www.consumerfinance.gov/complaint/ ) or mail it to their address.

2. Include copies of supporting documents, such as the certified mail receipt of your cease-and-desist letter and any correspondence from XXXX XXXX XXXX. 
3. Retain a copy of the complaint for your records.

Let me know if you need further assistance!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MS

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that 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 un feasible. The CFPBs finding 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 2025-01-21 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: SC

Complaint narrative:
I have been trying so hard to get equifax to do their job and work my accounts properly which means attaching my FTC reports etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 aware of the CFPB Experian lawsuit. I believe I was negatively impacted by Experian failing to conduct proper investigation which hurt my chances to receive credit after a dispute I had with them in XX/XX/year> where the dispute came back " verified '' without providing clear detail information about the reasoning of the investigation and result in verified.

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 2025-01-21 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: CA

Complaint narrative:
My credit report contains mixed information, including accounts, transactions, and items that do not belong to me. This ongoing issue is highly concerning and has been causing me significant stress and anxiety. I urge you to carefully review this matter, as this complaint is not made in error.

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 2025-01-21 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: MD

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently fined Equifax, for failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Equifax has not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting the immediate corrective action to remove the disputed accounts, as Equifax 's in action violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$240.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$310.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance {$960.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$740.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$330.00} Open Date XX/XX/XXXX XXXX  Balance {$330.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$120.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX inquiries XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/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 2025-01-21 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:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Lvnv Funding is reporting inaccurate information. I asked them to verify the debt and they have not. I also asked them to prove ownership of the debt. They have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation 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 systematic 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. 
These are the accounts listed below : 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EdFinancial Services
State: TX

Complaint narrative:
ED FINANCIAL ( Education Loan ) I was not notified about these accounts before anything was reported. I also requested proper validation and contracts with signatures Also my personal and private information keeps being sold to other debt collectors without my knowledge of it. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ed Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Debt Dear [ ED FINANCIAL ], I am writing to formally dispute the reporting of a debt on my credit report by ( Ed Financial ), associated with account number [ MY CREDIT REPORT SHOWS NO ACCT # ]. ( BALANCES ) - {$5000.00}, {$11000.00}, {$6100.00}, {$3300.00}, {$2700.00}. 
This debt was reported without proper notification to me as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ), debt collectors are required to provide consumers with a written notice of the debt within five days of their initial communication. This notice must inform the consumer of the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. I have not received any such notification regarding this debt, which is a violation of my rights under the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. Reporting a debt without providing proper notification or validation violates these rights. Since I was not informed of this debt, I have not had the opportunity to dispute or verify its accuracy. 

I am requesting an immediate investigation into this matter and the removal of this unverified and improperly reported debt from my credit report. Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the disputed debt. 
Any relevant correspondence related to the debt ( if applicable ). 
Please provide me with the results of your investigation and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution and the correction of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 a 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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