vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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:
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 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 users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am filing this complaint because Early Warning Services , LLC has reported inaccurate and harmful information on my consumer report, preventing me from opening new bank accounts and affecting my financial stability. Despite submitting a formal dispute, they have not corrected or removed the following errors : XXXX XXXX XXXX Account # : XXXX Routing # : XXXX Issue : Reported as Account Abuse with an unpaid balance of {$87.00} XXXX XXXX  Account # : XXXX Routing # : XXXX Issue : Reported as Account Abuse with an unpaid balance of {$940.00} These accounts are either inaccurately reported or unverifiable, and Early Warning has failed to provide adequate documentation supporting these negative reports. Under the Fair Credit Reporting Act ( FCRA ), they are required to remove inaccurate, incomplete, or unverified information within 30 days, which they have failed to do. 

This misinformation has severely impacted my ability to access financial services, caused unnecessary stress, and limited my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Fraudulent charges appeared on my account starting on XX/XX/year> through XX/XX/year> a total of 82 times. From companies listed as XXXX XXXX XXXX XXXX XXXX XXXX etc. After many attempts to get this resolved, Citi finally credited and apparently resolved some of these but not others even though some are from the exact same companies. Out of {$690.00} in fraudulent charges PLUS interest, they only credited back {$130.00}. There is still {$550.00} of fraudulent charges that need to be credited PLUS 4 years of interest. Also, Citi abruptly closed my account for no reason, refused to give me any reason, and has not responded to 2 letters sent in by mail requesting the reasons for the closure. This is completely unacceptable and illegal. I will be taking legal action in 14 days.

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 2025-01-29 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: IL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. 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 attention to this issue. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
Requested full documentation with Forward Flow Agreement, never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX Charge Off account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: WA

Complaint narrative:
I requested my matured CD funds be transferred into an external account. Instead, they rolled them over into another CD. I am submitting documentation to describe and document the entire interaction with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: MD

Complaint narrative:
Used my information without my consent and wasnt aware of them making a report and my information has been used in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I keep on getting phone calls from a variety of numbers that claim to be from Cashnet USA. This is a scam because I do not have any loans through Cashnet USA. I keep on getting automated voicemails that state this message is for Cashnet USA. Were reaching out to discuss an important matter. Please give us a call back at XXXX or chat with us by visiting Cashnetusa.com and one of our colleagues will be able to assist you.

I have blocked calls supposedly from Cashnet USA from multiple numbers on my phone.

I called customer service for Cashnet USA. I was met with an automated telephone that asked for personal information and I hung up.

I received calls and voicemails 11 different days in XXXX, XXXX times in XXXX, XXXX times in XXXX, XXXX times in XXXX, and XXXX so far in XXXX. 

Some of the phone numbers they called me XXXX XXXX XXXX XXXX XXXX Some dates they called me and left voicemails XXXX : XXXX XXXX : XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I initially disputed multiple fraudulent accounts on my credit report, and I appreciate the credit reporting agency 's prompt response in deleting some of them. However, it has been over a month, and they have failed to remove the following fraudulent accounts : XXXX XXXX XXXX XXXX Personal Loan {$9900.00} balance XXXX XXXX XXXX XXXX XXXX {$32000.00} balance These accounts do not belong to me and were opened fraudulently. I have already provided an FTC Identity Theft Report and all required supporting documentation. Despite this, the credit reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) by not removing these accounts within the legally required timeframe.

Specifically, they are in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires them to reinvestigate and resolve disputes within 30 days, which they have failed to do.

15 U.S.C. 1681c-2 ( a ) Mandates the immediate blocking of fraudulent information once identity theft has been properly reported.

15 U.S.C. 1681n & 1681o Provides for legal action and damages if they willfully or negligently fail to comply with FCRA requirements.

I have made multiple attempts to follow up, yet the accounts remain on my credit report, negatively impacting my credit and financial well-being. This is unacceptable and unlawful.

The credit reporting agency must immediately and permanently delete these fraudulent accounts from my report, or I will be forced to take legal action to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Im filing filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history.

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report.

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts.

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WI

Complaint narrative:
Subject : Request for Correction of Inaccurate Late Payment Reporting Pursuant to 15 U.S.C. 1681e ( b ) Dear XXXX Customer Service, I am writing to formally dispute an inaccurate late payment reporting on my credit report. According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain the maximum possible accuracy of the information they report. The late payment entry associated with my account is incorrect, and I request its immediate investigation and removal to ensure compliance with federal law.

The inaccurate reporting details are as follows : Creditor Name : XXXX XXXX XXXX Account Number ( if available ) : XXXX Reported Late Payment Date : XX/XX/XXXX, XX/XX/XXXX This incorrect reporting is causing unjust harm to my credit profile, and I demand a prompt investigation into this matter. Please verify the accuracy of this information with the creditor and provide me with documentation supporting the validity of this late payment. If you are unable to obtain verifiable proof of its accuracy, the information must be removed from my credit report immediately.

To assist with your investigation, I have enclosed : A copy of my credit report highlighting the disputed item A copy of my identification for verification purposes Please correct this inaccurate reporting as required by law and provide written confirmation of the results of your investigation within the time frame outlined in the FCRA. Should you fail to comply, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory authorities.

I look forward to your prompt response and resolution of this matter. You may contact me at the information above should you require further information. 
Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX  FTC

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 2025-01-29 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: TX

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : DOB : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 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 looked at my credit report back on XX/XX/XXXX and noticed some things were reported incomplete and inaccurate on ACCOUNT : XXXX XXXX XXXX XXXXXXXX. Upon realizing these inaccuracies I sent Transunion a re-investigation dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion verified this account as accurate. Clearly violating 15 U.S.C. 1681i ( a ) ) Transunion continued reporting. This account is reporting inconsistent payment history along with many other inconsistencies across the 3 major credit bureaus. According to to Transunion this account charged off XX/XX/XXXX, however XXXX states this account charged off XX/XX/XXXX. Transunion also is also reporting an inconsistent payment history. Transunion has multiple consecutive month of account being 120 DAYS LATE. That's clearly inaccurate and impossible. 

On XX/XX/XXXX I sent Transunion a Method of Verification Dispute letter CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX requesting the information and documentation used to verify the account as accurate. Transunion failed to provide this information violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). On XXXX XXXX XXXX I sent another dispute letter to Transunion CERTIFIED MAIL tracking # XXXX XXXX XXXX XXXX XXXX XXXX. Transunion ONCE again verified the account as accurate despite my numerous attempts to rectify this issue. Transunion has violated 15 U.S.C. 1681e ( b ) ). Despite my several attempts to remove this account for reporting inaccurately TRANSUNION has also violated 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) for FAILURE TO NOTATE THIS ACCOUNT AS DISPUTED.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: PA

Complaint narrative:
I recently sent a complaint to you all regarding XXXX  whom goes by two names XXXX  not being one thats reporting on my credit but in fact XXXX  whom which I never done business with ever. My most recent complaint was closed because they sent a response back saying they bought this debt from First progress and they have legal obligations to collect on this debt that was never properly verified, never received a notice and sent them a certified letter in the mail twice requesting a signed contract from me and XXXX or XXXX whatever they go but an this debt they claim I owe was apparently sold almost over 6 years ago yet its funny how after I paid the creditor in full on XXXX XXXX all of a sudden they some how are trying to say I owe them money and collect on a debt that is not mined because they bought this debt from first progress. I dont business with first progress nor XXXX. My Question to XXXX  Im sorry XXXX  when was notice sent to my current address? When was this debt validated? When have we been in contact besides the letters Ive sent and never received a response and based on the fair credit collection act you have violated and never properly validated a debt that does not belong to me nor you. I will not pay you any and now Im going to be forced to take legal action because not only has my credit be affected you all are fraudulently trying to collect money on a debt that was not properly validated nor did the consumer receive notice from XXXX  for them to place on my credit report. They need to reach out to First progress and collect money from them because this debt was paid directly to the creditor and I refuse to be a victim to fraud. Yall have since sent me a signed contract stating yall can collect and still have failed to do so and a printed out bill does not validate any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I am writing to file o formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previousty deleted material into my credit report. 
On ( XX/XX/2024 ), I sent a letter to Experian notifying them of the reinsertion of XXXX XXXX. account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days ofter sending the letter, XXXX has failed to remuve the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXXXXXX XXXX actions have caused significant inconvenience and potential harm to my credit profile, Impacting my abllity to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with EXPERIAN, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation