vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
Dear CFPB Team, I am writing to formally complain about Experian 's failure to correct or delete erroneous addresses listed and incorrect names on my consumer report. Despite my repeated attempts to resolve this matter directly with Experian, I have not seen any meaningful action taken to rectify the inaccuracies. 

On XX/XX/year> of your correspondence with Experian ], I disputed the following incorrect addresses and names that appear 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  A list of names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses and names are not associated with my credit history and have caused confusion and concern regarding my creditworthiness.

I have provided Experian with all necessary documentation to support my claims, including proof of my correct address and identification. However, despite this evidence, Experian has failed to update my report or provide a satisfactory explanation for their inaction.

I am concerned that these inaccuracies may negatively impact my credit score and future financial opportunities. I believe that consumers have the right to accurate and fair credit reporting, and I feel that my rights have been compromised.

I kindly request that the CFPB investigate this matter and encourage Experian to take the necessary steps to correct my consumer report.

Thank you for your attention to this matter. I look forward to your prompt response. 

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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Called on XXXX 2023 inquiring why my 360 Savings Account was only giving me 0.3 % interest while our other Capital One Performance Savings account was giving us 4.3 %. The agent answered that it was unfortunate that we only found that out and it was too late to get the past interests due had we switched accounts but he said he could convert the account to the high interest one. That ended the transaction.

Now knowing that a lawsuit has been filed, I want to recoup the lost interest earnings that my account should have generated.

Please let me know what steps I need to take. Thanks in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy Cash reported an outstanding loan balance on my credit report in XXXX. Then transferred it to XXXX XXXX XXXX for a few years. Then it transferred to XXXX XXXX XXXX ( XXXX ) and reported it again on XX/XX/XXXX. It is showing up on my credit report as a XXXX XXXX XXXX debt. But was originally from XXXX years ago. 

I did not keep receipts so I can not prove the date. But surely they have to provide documentation of the original date they sent it to collections. 

This happened after years of me paying XXXX XXXX on payday loans month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no clue how they got there. I review my credit report regularly, but this time, unexpected errors appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts remained. Due to this, I request a thorough review of the documents I provided to ensure I wont have to deal with this problem again.

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 2025-01-25 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Balance Owed : {$600.00} 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 XXXXXX/XX/year>

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to file a complaint against Experian concerning the removal of a fraud alert from my credit report. Despite following the appropriate procedures, I have been unable to have this alert removed. Below are the details of my situation : Background : Date Fraud Alert Placed : XX/XX/year> Statement on Report : " ID FRAUD VICTIM ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2025-01-24 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:
I filed a dispute on XXXX XXXX XXXX that starts with XXXX due to being more than 7yrs old, XXXX XXXX XXXX XXXX that starts with XXXX due to not my loan, and XXXX XXXX XXXX  that starts with XXXX due to not original creditor and creditor closed account. Experian denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal 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 2025-01-24 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: IL

Complaint narrative:
Equifax 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed several items on my credit report that I have no knowledge of nor did I give my express permission for these item to be furnished on my reports. I have not received any findings nor did I receive any proof that a thorough investigation was done. There is a sever lack of informed consent taking place.These items are causing me great stress, mentally, emotionally, and financially. I have developed a severe distrust and loss of confidence in the financial and banks systems there is not fair and accurate credit reporting being done. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LEXISNEXIS
State: GA

Complaint narrative:
I disputed several items on my credit report that I have no knowledge of nor did I give my express permission for these item to be furnished on my reports. I have not received any findings nor did I receive any proof that a thorough investigation was done. There is a sever lack of informed consent taking place.These items are causing me great stress, mentally, emotionally, and financially. I have developed a severe distrust and loss of confidence in the financial and banks systems there is not fair and accurate credit reporting being done. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings

Complaint narrative:
Early this month, XXXX, I checked my credit score via XXXX XXXX, and I saw that something was impacting my credit score negatively. I had no idea that anything was owed to a rental property as I have been out of the country for the last 4 years. Upon calling the collection company, IQ DATA INTERNATIONAL INC, I was then informed of what I owed. Additionally, I also stated that I would be interested in clearing the account after receiving the proof of debt in writing. As I have never received a call or a letter by the collector which seemed strange and there was additional fees added to the amount due that I wanted to review.

They, however, said they would not provide unless I committed to paying the account. I told them I couldn't pay something that I was not aware of, and this was escalated to a manager. The manager then told me that my options to pay back the debt would be only available during the first call, and if I were to call back again, I wouldn't be able to get the same offer of payment plan and get this off of my credit.

That is when I learned any collector has to provide you with full proof of debt per the rights stated by the FDCPA. The people were rude and tried to push me to make a payment without me first learning of what I owed.

This is a very rude company. I event attempted to call them back and received no answer so I left a voicemail. Never got a called back, is like they want the debt to stay with them instead of resolving the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
When I was using Zelle I sent the wrong person money Zelle didnt let me get the money back there was nothing I could do about my XXXX XXXX which made me get kicked out my house now Zelle has a button where it says are you sure you want to send this person money I always was getting scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UPGRADE, INC.
State: SC

Complaint narrative:
I called Upgrade Incorporated and instructed them to close my account several times. They simply refused to do this. I paid the account in full. I do not wish to do any further business with this institution and yet they still refuse to close this account. They are an affiliated with XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB make action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I have marked as inaccurate : - XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 



Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am writing to formally file a complaint against PNC Bank regarding an extremely disturbing incident of identity theft and the apparent mishandling of the situation despite multiple attempts to resolve the issue with the bank. 

In XX/XX/year>, I discovered that a fraudulent account had been opened under my name without my authorization. I immediately reported this issue to PNC Bank, and I was repeatedly assured that the account was frozen, that an investigation would be conducted, and that the credit reporting agencies would be notified. However, despite these reassurances, I received a shocking account statement in the mail today, indicating that : Funds were deposited into this fraudulent account.

A debit card linked to this account was used to make multiple ATM withdrawals.

I would like to emphasize the following concerns : Unauthorized Debit Card Issuance : Debit cards are typically mailed to the account holders home address. I have never applied for or received a debit card from PNC Bank. How did this card end up in the hands of a bad actor? This raises concerns about internal controls and the possibility of insider involvement. 
Failure to XXXX XXXX : If the account was truly frozen as claimed, how could transactions, including ATM withdrawals, occur? This suggests either gross negligence or a lack of transparency in the handling of this issue.

Potential for Fraudulent Activity : The ongoing use of this account by bad actors not only jeopardizes my identity but also poses a risk to the broader financial system.

This situation is deeply distressing, and it is unacceptable that despite my proactive reporting in XX/XX/year>, fraudulent activity has continued on this account. 

I am demanding the following actions : Immediate Escalation : Escalate this matter to the highest levels of PNC Banks fraud investigation department and provide a detailed explanation of how this breach occurred.

Comprehensive Investigation : Conduct a full investigation into the unauthorized account, the issuance of the debit card, and the transactions made.

Closure and Rectification : Permanently close this fraudulent account and ensure that my credit is not negatively impacted in any way.

Confirmation of Actions : Provide written confirmation of all actions taken to resolve this matter, including a statement affirming that all fraudulent accounts and activity have been reported to the credit bureaus.

Transparency and Accountability : Share the findings of the investigation, including how the debit card was issued and accessed by a third party.

I also escalated this complaint to the Better Business Bureau ( XXXX  ), and now with Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory authorities. Thank you for your immediate attention to this matter. I expect a prompt and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding two American Express ( AmEx ) gift cards that I purchased, both of which have been rendered unusable despite being active and showing available balances.

Details of the Issue Gift Card 1 : Card Number : Ending XXXX XXXX Available Balance : {$700.00} Expiration Date : XXXX Balance Summary XXXX XXXX XXXX XXXX XXXX XXXXPending Transactions XXXX XXXXXXXXPurchases XXXX XXXXXXXXCredits XXXX XXXXXXXXAvailable Balance {$700.00} Transactions DATE/DESCRIPTIONAMOUNT XX/XX/scrub>XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$50.00} XX/XX/year> XXXX XXXX XXXX Processed - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, - {$50.00} XX/XX/scrub>XXXX XXXX XXXX Declined - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$750.00} ========== Gift Card 2 : Card Number ending : XXXX XXXX Available Balance : {$750.00} Expiration Date : XXXX Unable to use this card anywhere.The card is getting declined.

Both cards are active, and I have confirmed their balances using the American Express gift card portal. Despite this, I have been unable to use them at multiple merchants. Each time I attempted to make a purchase, the transactions were declined without a clear explanation.

Attempts to Resolve the Issue I contacted American Express customer support to report the issue, but I was unable to receive any satisfactory resolution or explanation.

I have tried using the cards online and at physical retail locations, but the problem persists.

I have verified that the cards are not restricted and are valid for use in the United States, as stated in the terms and conditions.

Company response to consumer: Closed with monetary relief