vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXXXXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX  Equifax XXXX XXXX, 2024 XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX XXXX Equifax XXXX XXXX, 2024 XXXX XXXX XXXX DEALER Equifax XXXX XXXX, 2024 XXXX XXXX XXXX Equifax XX/XX/year> XXXX XXXX XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

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 2025-02-04 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: WA

Complaint narrative:
Subject : Urgent Dispute Regarding Inaccurate Derogatory Marks on My Credit Reports Dear CFPB I am writing to formally dispute inaccurate and derogatory marks on my credit reports from XXXX, Experian, and XXXX. These inaccuracies have negatively impacted my credit score, and despite multiple attempts to dispute them, no corrective action has been taken.

I have provided supporting documentation to prove these errors, yet the information remains unchanged. Now, third-party debt buyers are reaching out to me for payment on accounts that should not be reflected on my credit profile. This situation has caused unnecessary financial stress and hardship. 

I am requesting that this matter be escalated and reviewed thoroughly. I would also like to ask the Consumer Financial Protection Bureau ( CFPB ) to look into this issue and help facilitate the removal of these inaccurate marks from my credit reports. 

Please confirm receipt of this letter and provide an update on the actions being taken to correct my credit file. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, 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 2025-02-04 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: IL

Complaint narrative:
Complainant : XXXX XXXX I am filing a complaint against Experian, Equifax, and TransUnion for failing to investigate fraudulent accounts, remove derogatory items, and correct personal information, violating the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/2022, I was a victim of identity theft, and fraudulent accounts ( XXXX XXXX XXXX XXXX  ) were opened in my name. Despite filing disputes with supporting documents, these accounts remain, violating FCRA Section 605B.

Additionally, the bureaus failed to verify charge-offs and collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under FCRA Section 611. Unauthorized inquiries ( XXXX, XXXX ) and incorrect personal data also remain. 
The CFPB recently sued Equifax & Experian for similar failures. I demand immediate removal of all disputed items. Noncompliance will result in legal action under FCRA Sections 616 & 617. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
Complainant : XXXX XXXX I am filing a complaint against Experian, Equifax, and TransUnion for failing to investigate fraudulent accounts, remove derogatory items, and correct personal information, violating the Fair Credit Reporting Act ( FCRA ). 
In XX/XX/2022, I was a victim of identity theft, and fraudulent accounts ( XXXX XXXX XXXX XXXX  ) were opened in my name. Despite filing disputes with supporting documents, these accounts remain, violating FCRA Section 605B.

Additionally, the bureaus failed to verify charge-offs and collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) under FCRA Section 611. Unauthorized inquiries ( XXXX, XXXX ) and incorrect personal data also remain. 
The CFPB recently sued Equifax & Experian for similar failures. I demand immediate removal of all disputed items. Noncompliance will result in legal action under FCRA Sections 616 & 617. 
Sincerely, 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 2025-02-04 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information 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 2025-02-04 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
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 proce 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 2025-02-04 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 or indirectly through a reseller, of such dispute, the agency shall, free of charge, 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 in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MS

Complaint narrative:
Both Transunion and Equifax are including medical debt in my credit reports, which I did not consent to. The collection agency is listed as " XXXXXXXX XXXX XXXX  '' for the amount of {$530.00} dollars. I want this removed from my credit reports, as it has to do with private medical information and it is greatly hurting my credit score. It dropped over XXXX points since that derogatory mark has been placed there. The report of medical debt was banned on XXXX the XXXX of this year. This is absolutely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The presence of a derogatory rating on my account has created immediate and severe consequences for my financial wellbeing. Most notably, this negative mark has already led to the rejection of my recent loan application and triggered concerning increases in interest rates across my existing credit accounts. The impact extends beyond mere financial metrics, causing significant emotional distress as I grapple with the ongoing implications for my financial future and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to dispute several inquiries that appear on my credit report, as provided by your bureau. Under the **Fair Credit Reporting Act ( FCRA ) **, I am entitled to request the removal of inquiries that are either unauthorized or made in error. 

The following inquiries are listed on my credit report : 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 XXXXPlease remove the following inquiries** from my credit report as I do not recognize them as legitimate or authorized requests. Under the **Fair Credit Reporting Act** ( FCRA ), specifically Section 605 ( a ), inquiries should only remain on my report for up to XXXX years, and they must be accurate, complete, and verifiable. 

I request that these inquiries be removed from my report within **the maximum legal period of 30 days**, as required by law. If you fail to remove these inquiries after the investigation, I will consider further legal action, including filing a formal complaint with the **Consumer Financial Protection Bureau** ( CFPB ). 

Thank you for your prompt attention to this matter. Please confirm your receipt of this dispute and provide me with the results once your investigation is complete.

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 2025-02-04 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: DC

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
Following Case # Case Number : XXXX Consumer Financial Protection Bureau Vs. Experian Information Solutions , Inc. , Experians actions violated and continue to violate the FCRA, 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), ( 2 ). I also have submitted disputes to EXPERIAN via CFPB reports XXXX ; XXXX requesting validation of XXXX XXXXL which is a Collection company I have 0 knowledge of appearing on my credit report in XXXX  I was never served or notified by the collection company of any charge off account being SOLD to them without my consent. Without EXPERIAN properly verifying the accuracy of the said account, Pg XXXX COUNT VI 130. states The FCRA requires a CRA to delete any information found to be inaccurate, incomplete, or unverified after a reinvestigation. 15 U.S.C.

1681i ( a ) ( 5 ) ( A ) When I submitted the dispute via CFPB 2 HARD inquires both from XXXX XXXX appeared on my Experian report. Experian only investigated hard inquiry disputes in limited circumstances, such as when the consumer alleges that the inquiry was a by product of fraud or identify theft. Since I the consumer DID NOT dispute the accuracy of the hard inquiry without such allegations, however, Experian does not reinvestigate the dispute. Per paragraph 117, Experian violated and continues to violate the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Pg 30 COUNT VI 130. The FCRA requires a CRA to delete any information found to be inaccurate, incomplete, or unverified after a reinvestigation. 15 U.S.C.

1681i ( a ) ( 5 ) ( A ). Experian has refused to provide me any evidence of reinvestigation on this account. 

XXXX & XXXX HAS NOT FURNISHED THIS ACCOUNT!

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 2025-02-04 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:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
Credit report review revealed problematic late payment entries that remain unresolved despite my previous communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these unverified late payments requires immediate attention to prevent potential negative impacts on my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
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 proce 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 XXXX XXXXinancial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Update of Personal Information Dear CFPB Team, I am writing to address an issue I encountered while reviewing my credit report from Experian. I noticed that some of the personal information listed is incorrect. To ensure the accuracy of my credit report, I kindly request assistance in updating my records with the correct information. 

Thank you for your attention to this matter.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 non-monetary relief
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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