vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I requested the advertised {$200.00} sign up bonus from chime and I requested to use the advertised XXXX  XXXX  feature and Chime had the nerve to tell me that my state doesn't allow the offers advertised from Chime, which is a false statement because Chime advertised the offers in XXXX  VIA television commercials and VIA emails that Chime directly sent to me Via my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I believe that the errors on my credit report have occurred as a result of negligence in the preparation, review, or maintenance of my credit file, in violation of Section 1681. I want to buy a house for my family but this is hindering us from doing so. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: 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, mu financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund 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 2025-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account still reporting as dept for debts already paid. After a request is sent with proof, it doesn't change. This has been going on for months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I have multiple accounts that do do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: SC

Complaint narrative:
A door to door salesman sold me solar panels that never worked. Then, I learned last year they went out of business. The finance company, Goodleap collected payments for the defective product for almost 3 years. They never came to fix the product or collect it. Their predatory practices are harmful to many homeowners and they do not honor their part of the agreements. The loan should be forgiven and they need to collect the product and repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax due to its negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. Despite several attempts to dispute inaccurate and unverifiable information on my credit report directly with Equifax, the company has failed to conduct a thorough investigation as required under the FCRA. 

I have repeatedly requested detailed information and documentation regarding the accounts in question, including proof that these accounts are valid, accurate, and verifiable. To date, Equifax has not provided the requested information, nor have they resolved the inaccuracies on my credit report. Their lack of action demonstrates negligence in their duty to ensure the accuracy of my credit file. 

Due to Equifax 's failure to comply with the FCRA, I have suffered financial harm, including denied credit applications, higher interest rates, and emotional distress. I escalated this issue to the CFPB because Equifax has continuously ignored my prior disputes and failed to address the errors. It is evident that Equifax has not fulfilled its obligations to conduct a proper investigation or provide me with adequate responses. 

If Equifax fails to comply, I reserve the right to seek further legal remedies, including pursuing damages under Section 1681o of the FCRA. 

Thank you for your assistance in ensuring this matter is addressed appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year>, I noticed an account from Affirm Inc. on my credit report, allegedly opened in XX/XX/year>. I contacted the company to dispute it, as I did not authorize this account. I provided police and FTC Identity Theft reports, but Affirm insists the account is verified without providing proof. I am requesting evidence of verification or the removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Texas, office of the Attorney General office account number XXXX has reported to credit reporting agencies such as Trans Union, XXXX XXXX XXXX, which is a clear violation on the title 15 USC subsection 1681B. 
XXXX XXXX XXXX XXXX XXXX XXXX. Its also reported on my credit file which is a violation under XXXX 15 USC subsection, 1681B. They are also in violation of the fair credit reporting act title 15 USC subsection, 1681 ( 2 ) ( a ) ( i ). Texas attorney general office states that I owe {$61000.00}. XXXX XXXX  also states that I owe {$17000.00} or {$18000.00}. This was done for anywhere from one year to seven years ago.

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 2025-01-27 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:
sent XXXX to the wrong person on accident and zelle told me they couldnt do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate 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 non-monetary relief
Consumer complaint received 2025-01-27 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: NM

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXXand the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.

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 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This company has contacted me numerous times over the years regarding a debt that my ex-boyfriend XXXX XXXX owes. I do not have contact with him, nor do I have any contact info to give them. I have repeatedly asked them to stop contacting me yet they keep calling. The last time they called ( a few months ago ) I was reassured that it wouldn't happen again, yet here we are. I'm sick of blocking numbers only to be contacted again and again. 

I myself owe no debts and this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint Against CashApp ( Block , Inc ) due to inadequate customer service an unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have an Apple credit card and XXXX Apple XXXX XXXXs blocked.Every time Someone says they need to verify my new phone number and device, they say they will call me, but the phone calls never come. They are telling me that my new number isnt associated with my Apple XXXX. However my carrier has verified that my number is active and verified. They keep coming up with reasons as to why my account is blocked, but they are not helping me resolve the matter. I personally believe that because my name is a XXXX name and my voice is XXXX, they think Im an imposter. However I am XXXXOne individual made it obvious that he didnt believe that XXXX is my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Nothing wasnt done in a timely manner didnt do a investigation and didnt follow through with the steps of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts removed that I have marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I received a 1099-K form saying I had used the cashapp to make 276 transactions totaling {$6200.00}. All the transactions were made in XXXX. The form has my address and TIN. However, I DO NOT HAVE THE CASH APP and I never have. I contacted the company by phone on XX/XX/XXXX and was told this was not their problem and I should file an identity theft claim. On XX/XX/XXXX I contacted the company again and provided them with all the information and asked them to close the account which was making the fraudulent activity. They refused and would not even take any of my information. Then they offered to send me an email with instructions of how to proceed - the email they sent says nothing except that this is my problem and while it says they have " received my claim of fraudulent activity '' they did not take any of my information and have refused to look into the account number that is on the 1099-K. I am very frustrated. I don't even have this app and the company is refusing to acknowledge or shut down or help me any way with fraudulent activity happening through their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed an unauthorized hard inquiry attributed to XXXX XXXX, which I do not recognize. I promptly contacted the credit bureaus to dispute these inquiries and requested their removal ; however, they have refused to take action on my behalf. This situation is causing me significant stress and negatively impacting my financial standing. Additionally, I did authorize XXXXXXXX XXXX but it appears as a duplicate account on my report. I kindly request this entry be corrected to reflect the accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XXXX I mailed XXXX XXXX cashier 's check along with the request for recast modification ( on the total loan XXXX XXXXXXXX ) and removal of PMI. 
XXXX PHH acknowledged receipt and applied payment to my account. 
XXXX I noticed XX/XX/XXXX PMI charged. I called PHH to confirm I would not receive any additional PMI fees, and sent a message requesting removal of PMI again. 
XXXX I received a charge for additional months of PMI payments. 
XXXX I requested a review of my account as the charges were in proper. My expectation was PMI would conclude when my mortgage was Recast. 
XXXX PHH responded that everything is in order or their side. PMI is paid in arrears and they have XXXX days to cancel. 
XXXX I think PHH is out of order and I think I should be reimbursed for the PMI payments made in XXXX {$410.00} and the PMI payment made on XX/XX/XXXX {$130.00}. I believe I have interpreted correctly the statements on this site re : PMI. " ... Even if you don't ask your servicer to cancel PMI, in general, your servicer must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. '' Please review and let me know if I am incorrect.

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

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 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 CFPBs 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