vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX  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 take action to ensure XXXX complies with federal law and provides me the consumer with the necessary proof of Investigaton I want reported accounts removed. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-23 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XX/XX/year> CCS COLLECTIONS XXXX XXXX XXXX XXXX, SC XXXX Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear CCS COLLECTIONS, I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXXXXXX  with XXXX XXXX I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.

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 2025-01-23 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: MI

Complaint narrative:
The company XXXX XXXX XXXX reported on my credit report stating I opened an account on XX/XX/XXXX with XXXX XXXX I provided documentations to show proof that this information reported was incorrect. Instead of removing this incorrect information off my credit report, they reported that I opened this account on XX/XX/XXXX, which is incorrect information again. I do not have no knowledge of this account at all. They are defaming my name by deliberately trying to keep this incorrect information on my credit report. They have not provided me with any documentation of proof that this debt is owed.

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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX  Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}

Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}

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 explanation
Consumer complaint received 2025-01-24 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: Westlake Services, LLC
State: TX

Complaint narrative:
My wife and I tried to purchase a vehicle from XXXX XXXX we didn't like how they operated, so we left went to a different dealer we're we purchased a vehicle, unbeknownst to us XXXX XXXX continued to run our credit so now we have over 50 hard inquiries on our credit report. Even after we left they continued to run our credit.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My wife and I tried to purchase a vehicle from XXXX XXXX we didn't like how they operated, so we left went to a different dealer we're we purchased a vehicle, unbeknownst to us XXXX XXXX continued to run our credit so now we have over 50 hard inquiries on our credit report. Even after we left they continued to run our credit.

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: GA

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 furnishers, 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. 

Account : ( XXXX ) XXXX XXXX XXXX Account number XXXX. 
Account : ( XXXX ) XXXX  Account Numer : XXXX XXXX ) Account : XXXX  XXXX Account Number : 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 2025-01-23 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: MI

Complaint narrative:
I have unknown inquires on my report. They are : XXXX XXXX date XXXXXXXX XXXX XXXX XXXX  date XXXX, XXXX date XXXX, XXXX date 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 2025-01-23 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN 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 non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/, my employer deposited my paycheck into my XXXX XXXX account via direct deposit. Shortly after, the bank that my employer used for processing payroll shut down and initiated a reversal of the payment. This was not an action taken by my employer directly but by their bank. XXXX XXXX began a " loss investigation '' into the matter but failed to provide me with any updates or meaningful communication throughout the process. 

I repeatedly contacted XXXX XXXX for updates every single week since this issue occurred, but I was only told there was an ongoing investigation. At no point did XXXX XXXX request additional information or evidence from me or my employer, such as contact details or documentation. The investigation appeared to be one-sided and lacking in thoroughness. Ultimately, XXXX XXXX closed my account and labeled me as " high risk, '' which has severely impacted my financial life. 

As a result of their decision, I have been unable to open a personal or business bank account with any other financial institution. This has directly affected my ability to receive payments from my employer. To make matters worse, XXXX XXXX froze the {$5000.00} I had in my account at the time. I was unable to withdraw, wire, or transfer these funds, leaving me completely without access to my money. 

XXXX XXXX has failed to provide transparency or accountability in this process, and I feel I have been unfairly treated and potentially discriminated against. This situation has caused significant financial hardship, and I am seeking resolution.

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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a payment to my Capital One XXXXXXXX XXXX XXXX in the amount of {$2000.00} from my XXXX XXXX XXXX XXXX account. It took several days for the payment to post to my credit card account, which is unusual. Finally, on XX/XX/XXXX, the payment posted to my credit card account, but the account was now restricted. When I contacted Capital One, I was told that I needed to provide access to the XXXX XXXX XXXXXXXX account that I used for prior payments. I explained that I had closed that account and opened the XXXX account so I no longer had access to that account. The representative that I spoke to insisted that I needed to do a 3-way call with her and XXXX  to verify the account. I reiterated that I had recently closed the XXXX  account and furthermore, it seemed fraudulent and suspicious that she was asking me to do a 3-way call with the bank. Since then, I have made my regular payments on XX/XX/XXXXXXXX  and XX/XX/XXXX, but my credit card is still restricted so it can not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XX/XX/XXXXXXXX  and XX/XX/XXXX, I formally challenged the validity of an alleged bankruptcy listed on my credit report under my Social Security number. I am now requesting a reinvestigation of this account with Transunion and they indicated that the information was " verified '' through XXXX records. On XX/XX/XXXX, I requested that XXXX provide me with all documentation and information used to verify this alleged bankruptcy, including but not limited to the original documents containing my signature and the signature of the XXXX XXXX XXXX XXXX. If they could not produce these documents to substantiate the claim, I requested that they immediately remove the bankruptcy entry from my credit report. I have attached the response from XXXX that in their effort to resolve my concerns, XXXX initiated a dispute, and that investigation was resolved as of XX/XX/XXXX. During their investigation, XXXX located and removed the following records from the consumers file with XXXX : Bankruptcy Record : BANKRUPTCY RECORD CASE NUMBER XXXX It is clear that do not report to them or any credit bureau for that matter. Therefore Transunion initial response verifying the item with the courts or XXXX was either an error or a lie. Either way the reporting requirements do not comply with FCRA 611 15 USC 1681I and the information must be deleted immediately. This inaccurate entry is adversely affecting my credit standing and defaming my character. Additionally, Im expressing to them there may be additional violations of the Fair Credit Reporting Act ( FCRA ), specifically which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have this fraudulent information removed from my credit report expeditiously. Again Im including yet another attempt to letting them know I will be maintaining detailed records of all correspondence and actions related to this matter. Including that their failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud.

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 2025-01-24 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: GA

Complaint narrative:
Initially there were 14 unauthorized inquiries on my credit report. I called and reported it being the result of identity theft and forwarded information to verify. They only removed 2 inquiries and most of the inquiries are outdated

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Initially there were 14 unauthorized inquiries on my credit report. I called and reported it being the result of identity theft and forwarded information to verify. They only removed 2 inquiries and most of the inquiries are outdated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Several amounts were taken out or tried to be taken out that I did not authorize no one was able to be contacted by phone all was done by messaging service and little to no help was provided and still til this day things are trying to come out of my account had to change my direct deposit because of this

Company response to consumer: Closed with explanation