vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, XXXX is obligated to ensure maximum accuracy and conduct a proper investigation. Additionally, under 15 U.S.C. 1681c-2, victims of identity theft are entitled to have fraudulent accounts and unauthorized inquiries blocked.

In light of the CFPBs recent enforcement action against credit bureaus for failing to conduct proper investigations, I am requesting this dispute be handled promptly and thoroughly. If XXXX fails to resolve these disputes and remove the inaccuracies, I will escalate the matter to the CFPB and seek legal remedies. 
Data Breach Impact : As a victim of identity theft, likely stemming from the recent data breach, I am requesting immediate removal of all negative and fraudulent items. These inaccuracies have caused significant harm to my credit profile and must be addressed immediately.

Failure to act within the legal timeframe may result in further action. Please update me as soon as possible regarding the status of my dispute.

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 2025-01-29 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: FL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violat the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent address fraud on their platform, leaving r account vulnerable and unprotected.

Furthermore, their dispute resolution pro was unfair and deceptive, as they did no comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience a financial loss, and I seek appropriate red for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX profit and loss has not been reported as told to me by XXXX or XXXX to the internal revenue service XXXX  in order for this to be reported to my credit as a valid debt write off or canceled debt has to be reported within 180 Days per statutes and laws governing these accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CITIBANK, N.A.
State: NV

Complaint narrative:
XXXX profit and loss has not been reported as told to me by citibank or XXXX to the internal revenue service XXXX in order for this to be reported to my credit as a valid debt write off or canceled debt has to be reported within 180 Days per statutes and laws governing these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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.

Let me know if youd like any edits or additions to the message!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report. Upon reviewing my report, I have identified stark discrepancies in the reporting of negative items across the three major credit bureaus : TransUnion, XXXX, and XXXX. These inconsistencies have had a detrimental impact on my credit score, and I firmly believe that these items have been reported falsely. I request their immediate investigation and removal.

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 2025-01-29 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:
Unauthorized use and selling if personal information, money lost and not refunded with no help from a real person, no answers or help to questions or concerns, etc. I want restitution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with XXXX XXXX, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX {$830.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX INQUIRIES : XXXX XXXX  XXXX I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that XXXX has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. 
As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. XXXXXXXX XXXX  XXXX ACCOUNT # XXXX {$830.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.

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 2025-01-29 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: PA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This was a secured credit card with the XXXX limit. I paid this card down and they added late fees on this card. I disputed this transactions and the amount and I won the dispute and they closed the account off although it was still showing up on my credit report. Now it's showing up on my credit card again with a XXXX balance and an open account affecting my credit. It was a limited card there's no way it's {$890.00} when it was a {$200.00} card limit. Plus it was paid off and closed and then it suddenly reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX XXXX XXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXXXXXX XXXX XXXXXXXX This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: OK

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Complaint, XXXX, XXXX  and demand under TILA. I demand a response from the real human, not from third parties Artificial Intelligence which sends me " responses to letters addressed to PennyMac '' On XX/XX/XXXX XXXX paid Servicing advances {$32000.00} to unknown to me parties for unknown to me purposes. Please disclose to whom PennyMac advanced {$32000.00} on XX/XX/XXXX and the purposes of these advance. 

Please provide me direct address and direct phone number to XXXX XXXX to send him a Subpoena to verify these charges and fees before the Judge since I was unsuccessful to contact him via tool free number. 

The total amount of " Servicing advances '' AFTER I filed for the bankruptcy in XXXX is over {$300000.00}, up to {$32000.00} per month. 
According to " financials '' before I filed for bankruptcy in XX/XX/XXXX " servicing advances " were $ XXXX per month. 
Please provide me direct contact information for the accountant or bookkeeper of the Creditor who has personal first hand knowledge about all charges and fees and why these " servicing advances '' dramatically increased during my so-called " bankruptcy protection ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/year> ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section XXXX ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX 's actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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