vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: IL

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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-10 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company 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 2025-02-10 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: CA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 ang 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 ( EETA_and Regulation _E These actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Between XXXX and XXXX XXXX has reported to the Department of education that I was overpaid a Pell over payment of {$100.00} for {$5900.00} that was given to me. 

The department of education has been continuously ruining my credit over {$100.00} that they previously already been paid for in XXXX. 

However, I will disclose a bank statements from XXXX XXXX XXXX that shows exactly how much money I was paid for my student loans and my Pell Grant. 

There still is a dispute {$1000.00} that XXXX XXXX XXXX never credited back to me however that is in another CFPB Dispute. 


Ive only been paid {$3400.00} in Pell Grants from XXXX through XXXXXXXX XXXX 

There is a balance of {$2400.00} I was never paid.. 

So its incorrect for them to say I was paid {$5900.00} when in all action reality I was only paid {$3400.00} So my issues with US Department of education, charging me an incorrect amount of what I owe actually owe. It is because to the college, whos reported the information incorrectly.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
PERSONAL STATEMENT BOX " As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX DOFED bal. {$6600.00}, XXXXDOFED bal. {$6200.00}, XXXXDOFED bal. {$6100.00}, XXXXDOFED bal. {$4700.00}, XXXXDOFED bal. {$4600.00} XXXX XXXXDOFED Bal. {$450.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$3600.00} XXXXDOFED Bal. {$4500.00}

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NC

Complaint narrative:
On XXXX, I received a credit alert for a collection reporting from First Credit Services, alleged account XXXX for {$520.00}. I have no knowledge of this alleged debt and was never contacted from the office in any form. I request this reporting to be removed at once as not debt validation was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: ALCHRO INC.
State: FL

Complaint narrative:
My credit and personal information was exposed in the data breach

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report, as outlined below. This account does not belong to me, and I have no knowledge of any contract or agreement with the listed collection agency. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights to dispute incomplete or incorrect information in my credit file. 

Disputed Account Information : Creditor Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$900.00} Date Opened : XX/XX/year> FCRA Provisions Supporting My Dispute : 15 U.S.C. 1681e ( b ) : Duty to Ensure Maximum Accuracy Credit reporting agencies are required to adopt and follow reasonable procedures to assure maximum possible accuracy of the information they include in consumer reports.

15 U.S.C. 1681i ( a ) : Consumer Disputes and Reinvestigations When a consumer disputes the accuracy of any item in their file, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disp
uted information is accurate. If it can not be verified, the information must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) : Deletion of Unverifiable Information If the credit bureau can not verify the disputed information within 30 days ( or 45 days in certain circumstances ), the disputed account must be removed from my credit report.

15 U.S.C. 1681b : Permissible Purposes for Consumer Reports The account in question appears to have been added without a permissible purpose, as I have never authorized this account or engaged in any transaction with the creditor.

15 U.S.C. 1681s-2 ( a ) : Responsibilities of Furnishers of Information Furnishers of information ( like XXXX XXXX XXXX XXXXXXXX ) are required to report accurate information and must promptly correct and update information when it is found to be inaccurate. 
Request for Immediate Action : I request the following actions : Verification Provide evidence of this debt, including any signed contracts or agreements bearing my signature.

Deletion Remove this account from my credit report if the creditor can not provide verifiable proof that the account is accurate. 
Notification Inform me of the results of your investigation, as well as whether any changes have been made to my credit report. 
Failure to comply with the FCRAs provisions may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. I trust that you will handle this dispute promptly and in compliance with federal law. 

Thank you for your immediate attention to this matter. Please confirm receipt of this letter and notify me of any updates regarding 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 non-monetary relief
Consumer complaint received 2025-02-10 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:
Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a responsible reinvestigation of disputed information on my credit reporting act, leaving inaccurate or unverified accounts unresolved. The CFPB, ( Consumer Financial Protection Bureau ) has recently filed a lawsuit alleging systematic 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. Experian has neither corrected nor removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed items and/or amend disputed accounts as Experians in action violates federal law and my rights as a consumer

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 2025-02-10 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:
Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a responsible reinvestigation of disputed information on my credit reporting act, leaving inaccurate or unverified accounts unresolved. The CFPB, ( Consumer Financial Protection Bureau ) has recently filed a lawsuit alleging systematic 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. Experian has neither corrected nor removed disputed items despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed items and/or amend disputed accounts as Experians in action violates federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted a complaint to the XXXX XXXX XXXX regarding a billing matter and credit dispute with XXXX XXXX and they said they would look into the matter but they would cease communication and they keep calling me from spoofed numbers and I told the XXXX XXXX XXXX to reopen my complaint because they were harrassing me and they did not comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax, Trans union immediately! 
XXXX XXXX XXXX {$530.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$2900.00} XX/XX/XXXX 2019

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 2025-02-10 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 am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: CO

Complaint narrative:
XX/XX/XXXX direct deposit was sent through. 
XX/XX/XXXX purchases were declined. I transferred my account balance to an external account so I would have purchasing power. Once I transferred my balance to my external account my primary bank immediately sent funds back to depositor creating a negative balance. I attempted to resolve the error, my primary bank said they would close the account with no negative balance however current to date they have not done so. 
XXXX XXXX  XXXX Cash App is the entity I am disputing.

Company response to consumer: Closed with explanation