vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I want reported accounts removed on my credit account I have spent weeks months and letters to all three credit bureaus. I also had to pay for a lock on my Social Security number. My Social Security number has been ran a good 20 times for loans as well as credit cards. There is so many different credit cards on my account that I am not aware of. It has been a long road for me and this is holding me back from a lot in life and I can not get anywhere on fixing this. I filed for bankruptcy five years ago. Nothing should be on my credit. I moved back to the US and my credit is ran down. It should literally have nothing on there but a bankruptcy that is it.

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 2025-02-05 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: CA

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX, which was fully paid off in XX/XX/XXXX after my vehicle was totaled. However, XXXX XXXX reported a late payment ( past due balance ) for the month of XX/XX/XXXX on my payment history. After reaching out to them, I was advised to file a request for removal through Equifax, as they confirmed that the account was settled in XX/XX/XXXX and no late payment was recorded for that date. 

In XXXX, I submitted two disputes to Equifax, referencing Confirmation # : XXXX and Confirmation # : XXXX. I provided documentation proving that my car was paid off and that the account was closed in XX/XX/XXXX. 

Despite this, when I checked my credit report, Equifax still indicated that I had a late payment associated with XXXX XXXX for the month of XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Equifax again, and the representative informed me that my issue had been previously resolved and that their records had been updated. However, I pointed out that their website still showed a past due balance marked for XX/XX/XXXX, and my credit report reflected this delinquency. The representative suggested I wait another 30 days before calling back and filing another dispute, as he could not see the information I was viewing online. He also mentioned that in order to view the removal of the XX/XX/XXXX past due remark under the payment history, I would need to purchased their subscription as I was accessing their free account. 

It has now been nearly two years, and Equifax still has not removed the past due remark for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have requested several investigations regarding companies on my report which I have never done business with. The disputes came back as verified shortly after being submitted however I was not provided proof confirming the origin or ownership of the accounts. I want to file a complaint against this company for not properly investigating my disputes regarding the inaccuracies on my credit report. The dispute process usually concludes within a day and always shows the same result stating the accounts have been verified however there is no proof of a thorough investigation which violates the Fair Credit Reporting Act. It has recently come to my attention that these practices may also violate the Consumer Financial Protection Act. 
Here are the reporting accounts in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I have requested several investigations regarding companies on my report which I have never done business with. The disputes came back as verified shortly after being submitted however I was not provided proof confirming the origin or ownership of the accounts. I want to file a complaint against this company for not properly investigating my disputes regarding the inaccuracies on my credit report. The dispute process usually concludes within a day and always shows the same result stating the accounts have been verified however there is no proof of a thorough investigation which violates the Fair Credit Reporting Act. It has recently come to my attention that these practices may also violate the Consumer Financial Protection Act. 
Here are the reporting accounts in question. 

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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
They keep adding date to review my account, pls help me, I need to pay bills, they restrict my account after I deposited money in it, they keep lying to me, they restrict my accounts for no reason, they have worst customer service, since last week they restrict me and they never tell me what to do, they keep playing me over my money, pls help me, it is ROBINHOOD they failed me, pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant 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
Consumer complaint received 2025-02-05 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 XXXX of XXXX i noticed fraudulent accounts on my consumer report with Experian. I filed a dispute requesting the results of their findings. Within 30 days they notified me that that the charges were validated but failed to provide me these alleged findings. 

In XXXX of XXXX I filed another dispute and reminded them that they did not provide me their results in which they are required to. I also notified them they are required to validate the debt BEFORE furnishing it so it SHOULD be available to just give me. I received another response that the accounts are validated but again they did not provide me the evidence so that I could effectively file a police report. 

I filed a identity fraud report along with a police report along with additional required documentation and sent it to Experian. I submitted it and since then they have failed to comply with 15 U.S. Code 1681c-2 as it has been over 10 days with absolutely no action taken. 

I called them on XX/XX/XXXX and brought all of this to their attention and as soon as I professionally highlighted how they are not compliant I was hung up on. I called back while remaining professional and the same thing happened ( hung up on ). Later in the evening of XX/XX/XXXX I received multiple emails stating that they would investigate again and give me a decision 20 days later. 

Per my 2 disputes BEFORE the filing of the identity report and police report they claim to have already investigated this. This would make a 3rd investigation in which is NOT COMPLIANT WITH 15 U.S. Code 1681C-2. They are not abiding by the law. These fraudulent accounts were supposed to be removed within 4 days of receiving all of the required fraud documentation. It is now approaching 2 weeks. The unauthorized furnishing of this information is affecting my business/ livelihood.

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 2025-02-05 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: CA

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 2025-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I received multiple calls from a company XXXX XXXXXXXX XXXX XXXX. from phone numbers XXXX, XXXX, XXXX from a man named XXXX XXXX who claimed he was a resolution XXXX from XXXX XXXX XXXX XXXXXXXX. to collect a debt by me on behalf of Ace Cash Express from XXXX. He told me I owed {$560.00} and if I did not pay him the money today, I would be sued by California State and have my wages garnished and property seized worth to pay {$2900.00} for court fees and filing costs. He had all of my personal information, social security and some information of myself that made me believe he was legit. I told him I could only pay {$100.00} today XX/XX/XXXX and the rest on Monday XX/XX/XXXX. He told me that I couldn't accept that and told me he would have to proceed with the process to have my wages garnished and I said okay, there's nothing I can do. We hung up and then I called back and told him he was on a recorded line, he then told me to hold. After 12 minutes, I hung up. About 10 minutes after I hung up, I received a call back from XXXX XXXX and he told me he was in a meeting as to why he had me on hold. He then proceeds with my " account information '' and after I explain to him my situation of not having the funds, he says he will give me approval for the payment plan of {$100.00} today XX/XX/XXXX and {$460.00} on Monday XX/XX/XXXX. He then sends me an email via XXXX  sign to sign the document in agreement with the payment plan. I signed the document and gave him my card information for {$100.00} today at XXXXXXXX XXXX XX/XX/XXXX. He then ends the call with providing me his direct line at XXXX ext XXXX. After some minutes, something didn't sit right with me and I called ACE cash express myself. They told me they do not work with a collection agency called XXXX XXXX XXXX XXXX XXXX. They then told me I have a past due balance of only {$160.00} and gave me the direct collection agency number that would collect the funds XXXX. I then proceeded to call that number and they confirmed the same information and said they don't work with XXXX XXXX XXXX XXXX XXXXy. She then advised me to call my bank and also confirmed with me that my account is too old for them to call me for a debt and that I can still pay it when I can but advised me to resolve the fraudulent charge with my bank first. I did just that right away and it is in the process of returning my payment as well as they issued me a new card.

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 2025-02-05 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: Self Financial Inc.
State: FL

Complaint narrative:
I never opened these accts, I have tried disputing these for so long and has been no results from credit bureaus not taking it serious

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an inaccurate entry on my credit report. As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the following item and remove or correct it if found to be inaccurate or incomplete. 

Account Information in Dispute : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ UNKNOWN ] Disputed Information : [ I have no knowledge of the account, which may be a result of identity theft or clerical error. ] Reason for Dispute : [ I do not recognize this account and did not open it. I believe this may be a result of identity theft. Please investigate this account and remove it if found to be fraudulent. ] I believe this information is inaccurate because : Please investigate this matter in accordance with the FCRA and update my credit report accordingly. I request that you send me written confirmation of the results of your investigation, including the action taken within 15 days. If the information can not be verified, I ask that you delete it from my credit report entirely, as required by law. 

Additionally, I would appreciate it if you could send me a copy of my updated credit report after the corrections are made. 

I am exercising my rights under the FCRA, which stipulates that credit bureaus must investigate disputes and resolve them within 30 days of receiving this request. If this dispute is not resolved within the statutory time frame, I may escalate this issue by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or take legal action as necessary. 

Thank you for your prompt attention to this matter. Please inform me if you require any further documentation or information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AR

Complaint narrative:
I am writing to formally request the unfreezing of my credit report. I recently placed a security freeze on my credit file, and I now require it to be lifted to proceed with financial transactions. Specifically, I am in the process of applying for an auto loan, and the lender needs access to my credit report to assess my eligibility and finalize the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
TO : TRANSUNION, XXXX XXXX XXXX XXXX # XXXX DELETED THIS ACCOUNT. 


SEE ATTACHMENT.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/2025 To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices, which violate the Consumer Financial 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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: 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 proces 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 2025-02-05 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-02-05 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer. I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Account : CAINE & WEINER # XXXX

Company response to consumer: Closed with explanation