vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX and XXXX I contacted cash app to ask them why my account went from active direct deposit to inactive direct deposit I found that strange because I never cancelled my direct deposit and should be getting another deposit on the XXXX so I wanted to resolve soon as possible. I called customer service chat line you name and no one seemed to know what was going on or even bother to reach back at me they were giving me the runaround saying it takes 3-5 business days for my money to be deposited but I told them how would that happen if it shows inactive. They said they would follow up in email. Now today is the XXXX no email and now my account says Deposit pending I never seen this before I called again and asked why are they holding my funds no one ever emailed me and I asked to speak to a manager or someone who was working on my case and gave them the case number they had no idea what I was talking about. I had to explain Everytime I called and still my money is there showing but pending I asked them why gave me no reason but that it will take 3-5 business days then call back never happened before I need my money what do I do?

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

Complaint narrative:
Multiple Credit Cards That was opened Fraudulently. 
XXXX - Open Date : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Account number : XXXX Inquire : 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Arcon Credit Solutions LLC
State: SC

Complaint narrative:
I have been contacted constantly and threatened with legal actions for an account I have no knowledge of. I was contacted by phone, credit report, mail and email. Call and email occurred on XX/XX/scrub> 2025 by Arcon Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
identify you and your account. 
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. 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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this dispute regarding the remaining hard inquiries on my Experian credit report that are not associated with me and were reported without my written authorization, specifically the inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I already disputed these last month, but the inquiries remain on my report. I request the immediate deletion of these disputed hard inquiries. Reporting these inquiries without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE ASKED THAT ALL UNMAILABLE ADDRESSES LISTED ON MY CREDIT REPORT BE REMOVED. HERE ARE THE ADDRESSES LISTED BELOW 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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: AR

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

Account name : 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 XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 168 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generaiff, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Multiple Credit Cards That was opened Fraudulently. 
XXXX - Open Date : XXXX XXXX - Account number : XXXX XXXX XXXX XXXX Open Date : XX/XX/year> Account number : XXXX Inquire : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The high interest rates on my credit cards are making it extremely difficult to pay off my balances. I have reached out to the credit card companies to request a lower interest rate, but each one has denied my request. As a result, the accumulating interest is making it nearly impossible to make progress on my debt. This situation disproportionately affects minority communities, as financial literacy gaps are often exploited through high-interest lending practices, further contributing to economic inequality.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had my account hacked and had over {$8000.00} stolen from me. Wells Fargo has a security system that does not work and refuses to give this the proper attention to help me get my money back.

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 monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am demanding these accounts be blocked and removed immediately because lt is the result of identity theft. Please block this information from my credit report, pursuant to section 6058 of the Fair Credit Reporting Act, 15 U.S. Code 1681i ( a ), 15 U.S. Code 1681i ( a ) 6 ( b ), and 15 U.S. Code 1681i ( a ) ( 5 ) ( b ).

I repeat I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2900.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$2400.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$1900.00} XXXXXXXX XXXX  Date opened XXXX XXXX, XXXX Account number XXXX {$2400.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$5700.00} XXXX XXXX Date opened XX/XX/XXXX Account number XXXX $ XXXX {$23000.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$870.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$7600.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$4800.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$410.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX. 
Date opened XX/XX/XXXX Account number XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$4100.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$420.00}

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX

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

Complaint narrative:
I am filling a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and addressed fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive and they keep closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
My loan is through MOHELLA, I have called them time and time again waiting up to 2 hours sometimes, with little to no information about my account when it clearly says my information on my taxes info. Ive been trying to set up a payment plan for a couple months now with no progress ; theyre notorious for changing the payment amounts despite a plan. They dont offer an option to sign up on their website for a payment plan and Im left with no choice but to waste several hours calling them. I have friends who dont even receive an application for months despite signing up and having to call AGAIN for them to process it immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

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

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

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized inquiry on my credit report, which I did not authorize and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681b, credit inquiries must have a permissible purpose and explicit consumer authorization. Additionally, 15 U.S. Code 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. Given these legal protections, the inquiry in question was made without my knowledge or consent and must be removed. 

I respectfully request that you : Immediately remove the unauthorized inquiry from my credit report. 
Ensure compliance with applicable federal statutes in handling consumer credit data. 
Provide me with an updated copy of my credit report reflecting this correction. 
For verification, I have attached copies of my identification and proof of my current address. Please confirm receipt of this dispute and provide a written response within 30 days, as required under the FCRA. If no action is taken, I may consider further legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Photo identification Proof of current address

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