vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: PA

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, 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 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. 
Please let me know if you need any other information from me to block this information from my credit report. 

JEFFERSON CAPITAL SYSTEMS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The Case Narrative is the chain of Title to the subject Security Deed is defective as the XXXX  and Note/debt was sold to XXXX and XXXX in 1996 with no assignments from XXXX having ever been executed to any other party.Thus the subject Security Deed and Note never went through the FDIC in its Receivership of XXXX XXXX XXXX to XXXX XXXXXXXX XXXX and from XXXX to Bank of America

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 2025-03-11 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with Fair Collections & Outsourcing opened on XX/XX/XXXX, and a credit card account with XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MI

Complaint narrative:
Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next four working days. Let 's keep things running smoothly, shall we? Oh, I totally appreciate it, like, for real! We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.

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 2025-03-11 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-11 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: Kikoff Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX XX/XX/year> Re : Unauthorized Credit Inquiry To Whom it May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that XXXX do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you've had the unauthorized inquiry removed. 
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that XXXX XXXX  reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We found an add on XXXX via a mutual friend. We made a deposit of {$900.00} for a landscaping trailer and were going to purchase for {$3500.00} total. I sent a wire transfer of {$2600.00} through Truist Bank and we arent having any lunch with help from them! We realized it was a scam when the friend whose XXXX it was posted on reached out and told us her page was indeed hacked!

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-11 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:
This is a resubmission of my initial complaint against Zelle, as their dismissive response requre no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( XXXX ) and Electronic Funds Transfer Act ( EFTA ). Per the CFPB 's lawsuit filed XX/XX/24 ( XXXX XXXX ), Zelle failed to implement adequate fraud prevention measures and investigate consumer claims, resulting in over {$870.00} million in documented fraud losses. Your claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial institutions must conduct reasonable investigations of reported errors. My complaint warrants a proper investigation, not dismissal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: AL

Complaint narrative:
Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Reporting and Request for Deletion of XXXX XXXX XXXX  XXXX  Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax Information Services LLC regarding their failure to correct inaccurate and inconsistent reporting of an account from XXXX XXXX XXXX  on my Equifax credit report. Despite filing a timely dispute and providing supporting documentation, Equifax has failed to take the appropriate action to resolve this issue. 

Account Details : Creditor Name : First Premier Bank Partial Account Number : XXXX Reported Balance : {$1000.00} Status : Charge-Off / Profit and Loss Write-Off Date Reported by Equifax : XX/XX/year> XXXX of the Dispute and Inaccuracy : On [ insert date of initial dispute ], I submitted a formal dispute to Equifax requesting deletion of this account due to inaccurate and inconsistent reporting. Despite their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting, Equifax has continued to report misleading and inconsistent information about this account. 

Specific Issues Include : 1. Equifax reports this account as charged off, but continues to reflect it inaccurately with inconsistent details regarding its balance and status.

XXXX. There is an inconsistency in how this account is being reported compared to other bureaus ( XXXX and XXXX ), causing confusion and misrepresenting my creditworthiness. 
XXXX. XXXX XXXX XXXX  has internally written this account off as a Profit and Loss Write-Off, and if the debt has been sold or transferred, Equifax should XXXX longer be reporting an open balance. 

Despite my formal dispute and provision of documentation, Equifax has not corrected or removed the inaccurate reporting. This constitutes a violation of the FCRA, which requires consumer reporting agencies to maintain accurate and complete credit files. 

Requested Resolution : XXXX. I am requesting that the CFPB conduct an investigation into XXXX failure to correct or remove the inaccurate XXXX XXXX XXXX  account from my credit report. 
XXXX. I am requesting that Equifax be required to immediately and permanently delete this account from my credit report due to its inaccurate and unverifiable status. 
XXXX. I am requesting documentation explaining how Equifax verified the continued reporting of this account, despite its inaccuracies. 

Attachments Provided : Copies of my Equifax credit report highlighting the inaccurate XXXX XXXX XXXX  account Copies of my XXXX and XXXX reports highlighting discrepancies I am seeking your assistance in ensuring Equifax complies with the FCRA and corrects this error that is negatively impacting my creditworthiness. Thank you for your time and consideration in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App and its parent company, Square, concerning unresolved issues related to an account purportedly under my name and associated income reporting discrepancies for the tax year XXXX. 

Background : In XXXX, I received a Notice of Deficiency from the Internal Revenue Service ( IRS ), indicating unreported income attributed to an account under Square for the year XXXX. This was unexpected, as I have no recollection of creating or operating such an account.

Attempts to Resolve : 1. Contact with Square : Upon receiving the IRS notice, I contacted Square to address the issue. They redirected me to Cash App, stating that the matter pertained to their services. 
XXXX. Engagement with Cash App : Initial Inquiries : I reached out to Cash App multiple times through their customer support channels. Each time, representatives were unable to locate any account associated with my personal information ( name, Social Security Number, current email, and phone number ). They assured me of escalating the issue, but I received no follow-up communications. 
CFPB Complaint : Frustrated by the lack of resolution, I filed a complaint with the CFPB. In response, Cash App claimed that the account in question did exist, was not fraudulent and suggested it might be linked to an old email address or phone number of mine. However, I have maintained the same email address and phone number since my teenage years and have no knowledge of any other accounts. 

Current Situation : Despite my efforts, the issue remains unresolved. The IRS continues to associate unreported income with my tax identification number due to this mysterious account. Cash Apps inability to locate or grant me access to the account hampers my ability to address the IRSs concerns effectively which at this point is leading to fees penalty, and taxes I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I used prosper investing app from XXXX XXXX I deposited {$55.00} into my Prosper account, but the funds are not showing as available cash to use or withdraw. Despite several attempts to resolve this by emailing Prosper customer support, I have received no response or assistance. This has resulted in frustration and a lack of access to the funds I deposited. 

What Ive Tried XXXX XXXX : Ive sent multiple emails to XXXX customer support with no response. 
Ive checked my account for any restrictions, but the funds remain inaccessible. 

Desired Resolution : I would like Prosper to either make the {$55.00} available for withdrawal or provide a clear explanation of why the funds are being withheld. 
A prompt response would be appreciated to resolve this issue.

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 2025-03-11 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: Velocity Portfolio Group
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent and unauthorized account that has been reported on my credit file by XXXX, XXXX and XXXX under CKS PRIME INVESTMENTS LLC ( Account Number : XXXX ). 

This account does not belong to me and its reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Violations : 1. Failure to Maintain Accurate Reporting ( 15 U.S.C. 1681e ( b ) ) 2. Failure to Reinvestigate My Dispute ( 15 U.S.C. 1681i ( a ) ) 3. Failure to Verify the Account ( 15 U.S.C. 1681s-2 ( b ) ) 4. Knowingly Reporting False Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) 5. Potentially Extending the Reporting Period Illegally ( 15 U.S.C. 1681c ( a ) ) 6. Potential Debt Collection Violations by CKS Prime Investments LLC ( 15 U.S.C. 1692e ) Despite my efforts to dispute this matter with all XXXX  Credit Reporting Agencies, the incorrect information remains on my credit report, causing financial harm and potential credit denials.

I also request assistance in ensuring the immediate removal of this incorrect account from my credit report. 

Thank you for your time and attention to this urgent matter. Please keep me informed about any developments in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent and unauthorized account that has been reported on my credit file by XXXX, XXXX and XXXX under XXXX XXXX XXXX XXXX ( Account Number : XXXX ). 

This account does not belong to me and its reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Violations : 1. Failure to Maintain Accurate Reporting ( 15 U.S.C. 1681e ( b ) ) 2. Failure to Reinvestigate My Dispute ( 15 U.S.C. 1681i ( a ) ) 3. Failure to Verify the Account ( 15 U.S.C. 1681s-2 ( b ) ) 4. Knowingly Reporting False Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ) 5. Potentially Extending the Reporting Period Illegally ( 15 U.S.C. 1681c ( a ) ) 6. Potential Debt Collection Violations by XXXX  XXXX  XXXX XXXX ( 15 U.S.C. 1692e ) Despite my efforts to dispute this matter with all three Credit Reporting Agencies, the incorrect information remains on my credit report, causing financial harm and potential credit denials.

I also request assistance in ensuring the immediate removal of this incorrect account from my credit report. 

Thank you for your time and attention to this urgent matter. Please keep me informed about any developments in this case.

Company response to consumer: Closed with explanation