vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXXXXXX XXXX failure to conduct proper investigations. 

Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am 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 and 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 2025-02-16 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: MD

Complaint narrative:
I have reached out several times Equifax and Experian I have not lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never my phone number

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-02-16 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: TX

Complaint narrative:
XX/XX/year> I emailed all contact departments for Experian on XX/XX/year> stating I have filed formal complaint against Experian for violating consumer reporting laws and failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my previous reports via email to Experians Chief Compliance Officer, Support Services, and Privacy Department, no corrective action has been taken. 
Experian has engaged in unauthorized investigation reporting, falsely attributing statements to me claiming that I reported certain credit applications as fraudulent or disputed them. As a result of Experians erroneous reporting, XXXX of my credit card accountson which I have an excellent payment historyhave been fraudulently closed. These closed accounts now appear on my credit report, severely damaging my credit profile. This will hinder my ability to apply for a VA loan to purchase a home, directly impacting my financial stability and future. 
I demand that all XXXX of my credit card accounts be reinstated immediately and that all inaccurate comments be removed from my credit report. Additionally, I want to emphasize that I never disputed any of my accounts directly. My disputes were solely against the inaccurate and missing information reported by credit reporting agencies. 
I am also formally notifying you that I have filed complaints with the FTC, CFPB, and the Texas Attorney Generals Consumer Protection Division regarding Experians misconduct. Due to the significant financial burden and mental anguish this has caused, I am considering filing a civil lawsuit against Experian for damages. 
Experians negligence has led to unjust financial hardship and potential long-term consequences. I request an immediate investigation into this matter and expect enforcement actions to ensure compliance with federal and state consumer protection laws. Please confirm receipt of this complaint and provide guidance on any further steps I should take. 
I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely, 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 2025-02-16 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: IN

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information.

I have received several data breaches of my personal information. These data breaches have resulted in my student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that closed.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: IN

Complaint narrative:
The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safe guard my information.

I have received several data breaches of my personal information. These data breaches have resulted in my student loans that have been sold without my permission and a bankruptcy added back to my student loans that was discharged in bankruptcy from a college that closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I reached out to Citibank regarding the delinquent account that shows on my credit report with all three major bureaus XXXX, XXXX, and XXXX. I also started a dispute with Citibank, and I received a letter stating they couldn't locate any account tied to my name or social security number. This account is currently unverifiable and should have been removed from my credit report. I dispute this item as well with all XXXX  major bureaus multiple times. There investigation never lead to the removal of this item.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am 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 and 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 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Glacier Bancorp Inc.
State: UT

Complaint narrative:
I signed up for a bank account with Altabank because I felt like it would be a good option for a checking account at the time, I specifically said multiple times to the very young college student working at the bank that I did not want to be opted into overdraft protection, if I didnt have the money on the card I did not want to be charged for anything. So I did my best to have money in the account until one day my gym membership came through and I was short about {$5.00} for the total amount, lo and behold that added with another pending charge and put me in the negative, instead of getting any notification the gym attempts to charge me almost 10 times within a few days, every single time the bank is hitting me with a {$35.00} insufficient fund fee. When I called them about it they refused to refund any and said I just had to pay it to put my account in a positive balance otherwise Id go to collections. I said absolutely not, so they have since sent me to {$300.00} in collections over literally a couple dollars overdraft which funny enough they did not even pay for which is the entire point of the protection, they didnt use it as a means to protect me the consumer but as a means to XXXX me over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: VA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year> my phone was stolen and the thieves unlocked the device and used Zelle to send payments from the phone. {$1200.00} from XXXX XXXX XXXX XXXXXXXX Account and XXXX XXXX XXXX  {$1500.00} each from my XXXX XXXX Account on XX/XX/XXXX. Late in the day on XX/XX/XXXX, I was able to regain control of the stolen phone and secure my accounts. I filed a legal action against the thief with the attorney general of XXXX, XXXX on XX/XX/XXXX. 

I reported these fraudulent transactions to Zelle and initiated claims fore revelry of funds. Zelle immediately rejected both claims. I refiled the claims and then made sure they had the police report of the stolen device and zelle has rejected the claim again. 

With XXXX XXXX XXXXXXXX I had used Zelle on a very limited based on the past but it had been years since the last transaction. With XXXX XXXX I had never used Zelle nor had I authorized Zelle to withdraw funds from my account. 

I believe Zelle should be filling under their insurance to cover these losses as the device was stolen and reported as such ot the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank has arbitrarily closed my Care Credit account on XX/XX/year> after doing a soft credit check - according to the company- on my account. The credit available was {$12000.00}. The balance due was {$0.00}. My Care Credit account has always been in good standing and I have had my Care Credit account since before the Synchrony Bank takeover. The reasons listed are very invasive to ones personal financial matters. Its clear that credit card companies have become more financially intrusive.

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 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WESBANCO BANK, INC.
State: WA

Complaint narrative:
Purchased a XXXX XXXX XXXXXXXX with wheelchair modifications. XXXX is 'worth ' maybe XXXX, then they added XXXX for modifications. Because of the year of the vehicle am told that there is only one bank who would finance me which is XXXX XXXX  at 11.5 % interest. I've had vehicle XXXX, and have tried to refinance as I bought another vehicle that is much older and more mi for 7 % interest. I am being denied by banks because this vehicle is considered a 'commercial " vehicle and because the loan amount far surpasses the value of the vehicle. There is no way to justify the XXXX loan for this vehicle. I am unable to continue with the loan amount payment nor am I wanting to pay so much in interest. I will never pay this vehicle off. I tried contacting XXXX XXXX  and am told they finance through the company. I called XXXX to try and request refinancing, and am told they don't do refinancing and to contact a credit union. I contacted a credit union, and was told the value of XXXX is onky XXXX, and they would not be able to finace it for what is owed, and they don't finance commercial vehicles. This is not a commercial vehicle, it's a personal vehicle used to transport my son with his power wheelchair. I now feel I have been deceived as I am stuck with the terms, and have always been able to refinance a vehicle. This is unfair as the interest is super high, as well as the payment. To have no place to actually refinance the vehicle because of the terms, the high value of the vehicle because of modifications, and no places that recognize that this is an accessible vehicle for personal use and not commercial use is fraud. Because of these unfair practices, it put myself and probably thousands of other family 's in financial jeopardy and strain. I am now at jeopardy of repossession of a vehicle that is extremely important and much needed for my son to be as independent and engaged as much as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: IN

Complaint narrative:
This to has been over well over 30 days that I requested the contract while doing my dispute. As in the other complaint this company has never attempted to contact me what so ever. Only reason I knew of this little collection was because I seen it. Im going to give several reasons why this should be deleted but this should be the only one required. I requested information that this company ignored right along with equinox and Experian blessing to violate my rights. Im not sure if this is how things regularly are. Its seems to be that way when they are mine based off the laws set by fair credit act I ask respectfully to delete this. My rights of implanted law 2021 agsin no attempt to contact me what so ever. Law says no contact no report law here in the XXXX. Common sense I would have paid XXXX not to have a collection or a charge off. Denying me of my rights to request the agreement to this credit card.violation close to XXXX months I I have asked for multiple times another violation and the implemented law of 2021. Another violation not just of my rights but also of the law. I hold these reporting agencies Experian and equifax responsible. Of violating my rights and the fair credit act. There main job to report fair and accurately please removed based of the law. This is concerning the credit card kickoff.

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 2025-02-16 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: GA

Complaint narrative:
I am formally disputing the accuracy of an account currently being reported on my credit file by XXXX XXXX XXXX under account number XXXX. This account contains inaccurate and unverifiable information, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

This dispute has been previously filed under Equifax Dispute Number XXXX, yet the issue remains unresolved. Furthermore, I was affected by the Equifax data breach, which compromised my personal and financial information. Due to this breach, unauthorized accounts and inaccurate information may have been added to my credit file without my consent. Given this fact, it is imperative that this account be removed immediately as it can not be definitively verified as legitimate. 

Additionally, I have requested debt validation from XXXX XXXX XXXX, and they have failed to provide sufficient documentation proving that this account is valid or that they have the legal right to collect it. In accordance with the FCRA, Equifax must conduct a reasonable investigation and remove this unverifiable account from my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C 1681i, which mandates a reasonable Investigation of disputes. Furthermore, Equifax 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 proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Below is a list of accounts I have marked as inaccurate ; XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief