vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: EQUIFAX, INC.
State: IN

Complaint narrative:
According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
According to the fair credit reporting act section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

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 2025-02-11 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: 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 infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date

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 2025-02-11 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: AZ

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 2025-02-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This debt collector engage and abusive detective and unfair practice of FDCPA which it prohibits they furnished those accounts that we didn't agree upon and I didn't sign an agreement on. A Legal of contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper five step validation procedure which make this unfair practiced.According to FDCPA I'm entitled to {$1000.00} prayer violation Then clearly violate my right

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 2025-02-11 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: IL

Complaint narrative:
XXXX XXXX I am 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 2025-02-11 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: SC

Complaint narrative:
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 XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt 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 CreditReporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. 

Please delete the following accounts. 

XXXX XXXX  Balance {$1200.00} XXXX XXXX {$0.00} XXXX XXXX  Balance : {$25000.00} XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$810.00} XXXX XXXX  Balance {$27000.00}

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 2025-02-11 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: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

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 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft. These items are not related to any transactions completed by me

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX 's inadequate communication with me had led my credit score to drop significantly by XXXX points. Essentially, my account was with XXXX. However, they moved it over to XXXX, and XXXX did not communicate with me before reporting a late payment on my credit as " delinquent. '' I am in the process of purchasing a home. However, with this drop in credit, it will hinder my progress, and probably cost me XXXX  of dollars!

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 2025-02-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account. 
A copy of the actual documents used to verify the accuracy of the disputed account. 
The specific method and procedures used during the verification process. 
Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX  Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 


Please consider this my request for proper verification. If I do not receive a satisfactory response within 15 days, I will escalate this matter through legal channels.

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 2025-02-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX ] XXXX XXXX XXXX XXXX, MA XXXX Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information.

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ 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 2025-02-11 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: TX

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), Experian, Equifax and TransUnion credit reporting agencies are violating my rights by reporting inaccurate information on my credit report that is harming my financial well-being, and my reputation as a consumer. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. The Consumer Financial Protection Bureau filed lawsuits against Experian, Equifax, and TransUnion in an effort to ensure that credit reporting agencies are held accountable for their failures to properly, and thoroughly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include but are not limited to : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my many disputes regarding inaccurate information on my credit reports have been continuously mishandled in a comparable manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), Experian, Equifax and TransUnion credit reporting agencies are violating my rights by reporting inaccurate information on my credit report that is harming my financial well-being, and my reputation as a consumer. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. The Consumer Financial Protection Bureau filed lawsuits against Experian, Equifax, and TransUnion in an effort to ensure that credit reporting agencies are held accountable for their failures to properly, and thoroughly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include but are not limited to : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my many disputes regarding inaccurate information on my credit reports have been continuously mishandled in a comparable manner.

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 2025-02-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Ask for credit bureau to remove inaccurate information. Also accounts that is reported without my consent. XX/XX/2025 and XX/XX/2025. When disputed was done updating. Their response was it was staying on my credit report.

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 2025-02-11 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: CA

Complaint narrative:
This morning, I was alarmed to find an unauthorized inquiry on my credit report, and I have no idea why it's there. I routinely check my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the issue remained. This situation is incredibly frustrating, and I need the documents I submitted to be reviewed carefully so I can have peace of mind once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
There are 3 unauthorized charges on my account all to the same person/merchant. XX/XX/XXXX for {$100.00} ; XX/XX/XXXXXXXX  for {$500.00} ; and XX/XX/XXXXXXXX  for {$270.00}. I opened a dispute with the company and received a quick response that they do not suspect fraud however, I am still missing {$880.00}. I need more done to get my funds refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame The specific inaccuracies I found on my report include : Personal Information for my consumer report NAME : The only name I go by is XXXX XXXX XXXX please remove any name you have in your system that does not match XXXX XXXX XXXX Also Known As : CURRENT ADDRESS : REMOVE the reported Consumers Current Residence ( s ) of as my REQUISITE REPORTED CURRENT, CORRECT and COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I DO NOT AUTHORIZE you to retain, nor report any not proven, true, correct, valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated here. 

Previous Residence : REMOVE the display reported Previous Residence ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Employer ( XXXX ) : REMOVE the display reported Reported Employers ( s ) of as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Reported Employers is XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated. 

Birth Year : REMOVE the display reported Date of Birth as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Date of Birth is XX/XX/year>. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.

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