vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
I request the immediate removal of this account from my credit report as it is damaging my reputation and financial opportunities. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), I am entitled to accurate reporting, and this account is causing undue harm, including higher interest rates, inflated insurance premiums, and barriers to employment and credit access. This error delays my financial goals and violates my rights. Please correct this promptly.

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 2025-01-21 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.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) ,12 U.S.C. 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: ID

Complaint narrative:
When I met someone via social media I was involved in a scam and they asked me to send me money via crypto in the XXXX plus dollar range where they apparently wanted to meet me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I light of the recent CFPB lawsuit, I am writing to express my concerns about XXXX handling of disputes adequately and failing to investigate my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against XXXX, a legend, systematic issues such as fell into four consumer provided evidence to furnishers accepting unreliable responses and fail into adequately, notify consumers of dispute outcomes. These failures align with my experience with XXXX has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX in action, violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Last 4 of SSN : XXXX Phone Number : XXXX Email : XXXX Equifax Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Negative Accounts Due to Data Breach reporting identity theft to the FTC. 

Your reference number is : XXXX Dear Sir or Madam, I am writing to formally request the removal of all negative items from my credit report that have resulted from the Equifax data breach. As you are aware, the breach in XXXX compromised the sensitive personal and financial information of millions of consumers, including mine. 

Due to the breach, I believe that certain negative accounts or inaccurate information appearing on my credit report could be a direct result of fraudulent activity stemming from the breach. I kindly request that you investigate and remove the following negative items from my credit file, as I had no involvement in these accounts or activities : Remove unauthorized hard Accounts : Account Name : XXXX XXXX, Account Number : XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX  ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXXXXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX ( CLOSED ), Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Remove unauthorized hard inquiry : XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Attached to this letter are the following documents to support my request : A copy of my credit report with the disputed accounts highlighted. 
Proof of my identity ( e.g., government-issued ID and proof of address ). 
Any additional supporting documentation, such as police reports or FTC Identity Theft Reports.

I urge Equifax to investigate this matter thoroughly and remove all fraudulent and inaccurate accounts associated with my credit file. Please provide me with a written response detailing the outcome of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

If you require any additional information or documentation, do not hesitate to contact me directly at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I would like to put this complaint in about Zelle for not warning me before I sent money to someone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-21 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: MS

Complaint narrative:
I HAVE ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE, AND UNVERIFIED. ALL OF THE ACCOUNTS LISTED HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUS DATE AND THE PAYMENT HISTORY IS INACCURATE BETWEEN, EQUIFAX, XXXX, AND XXXX. THIS IS A VIOLATION OF THE FCRA AND THESE ITEMS ARE TO BE DELETED IMMEDIATEY FROM MY CONSUMER REPORT. DELETE THESE ACCOUNTS : ( 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 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 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 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  THESE ACCOUNTS ARE REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THIS IS INACCURATE & A VIOLATION OF THE FCRA. THE ACCOUNTS REPORTING MUST BE CORRECTED AND UPDATED TO " PAID ON TIME, NEVER LATE, PAID AS AGREED IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MS

Complaint narrative:
I HAVE ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE, AND UNVERIFIED. ALL OF THE ACCOUNTS LISTED HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUS DATE AND THE PAYMENT HISTORY IS INACCURATE BETWEEN, XXXX, XXXX, AND EXPERIAN. THIS IS A VIOLATION OF THE FCRA AND THESE ITEMS ARE TO BE DELETED IMMEDIATEY FROM MY CONSUMER REPORT. DELETE THESE ACCOUNTS : 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 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 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 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 THESE ACCOUNTS ARE REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THIS IS INACCURATE & A VIOLATION OF THE FCRA. THE ACCOUNTS REPORTING MUST BE CORRECTED AND UPDATED TO " PAID ON TIME, NEVER LATE, PAID AS AGREED IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT. ''

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 2025-01-21 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against XXXX, a legend, systematic issues such as fell into four consumer provided evidence to furnishers accepting unreliable responses and fail into adequately, notify consumers of dispute outcomes. These failures align with my experience with XXXX has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX in action, violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable and re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau has recently filed a lawsuit against XXXX, a legend, systematic issues such as fell into four consumer provided evidence to furnishers accepting unreliable responses and fail into adequately, notify consumers of dispute outcomes. These failures align with my experience with XXXX has neither corrected nor removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX in action, violates federal law and my rights as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
It was a while ago but only cash app prevented me to stop from the scam it was like XX/XX/XXXX and they had made me send XXXX dollars. But they told me to XXXX it to a number and they got it and I never got it back and it was thru XXXX in 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
i need my money they closed my account with money on it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 2025-01-21 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: NJ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation