vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
I am writing to formally dispute the fraudulent account reported on my credit file, which has been inaccurately investigated and verified. This letter serves as a demand for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a proper and reasonable reinvestigation of disputed information.

Upon my previous dispute, you claimed that this account was verified as accurate. However, under 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation into disputed accounts, and credit reporting agencies must ensure the accuracy of reported information. I hereby request that you provide the following within the legally mandated timeframe : A detailed explanation of the methods used to verify this account and the parties contacted during the verification process.

All records and documents used to verify the legitimacy of this account.

Proof of my consent or authorization for the alleged account, including any signed agreements or identifying details.

The name, address, and contact details of the entity that reported this fraudulent account.

Failure to properly investigate and correct this fraudulent reporting constitutes a violation of my rights under the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to pursue legal action for damages resulting from willful or negligent noncompliance, including actual damages, statutory damages, punitive damages, and attorney fees.

If I do not receive a satisfactory response within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will have no choice but to escalate this matter through legal channels, including filing a lawsuit and reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This letter serves as an official notice of intent to sue should you fail to comply with your legal obligations. I expect a prompt response, including the requested verification details and a resolution to this matter, to avoid further legal actions.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
I am writing to formally dispute the fraudulent account reported on my credit file, which has been inaccurately investigated and verified. This letter serves as a demand for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a proper and reasonable reinvestigation of disputed information.

Upon my previous dispute, you claimed that this account was verified as accurate. However, under 15 U.S.C. 1681s-2 ( b ), data furnishers are legally required to conduct a reasonable investigation into disputed accounts, and credit reporting agencies must ensure the accuracy of reported information. I hereby request that you provide the following within the legally mandated timeframe : A detailed explanation of the methods used to verify this account and the parties contacted during the verification process.

All records and documents used to verify the legitimacy of this account.

Proof of my consent or authorization for the alleged account, including any signed agreements or identifying details.

The name, address, and contact details of the entity that reported this fraudulent account.

Failure to properly investigate and correct this fraudulent reporting constitutes a violation of my rights under the FCRA. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to pursue legal action for damages resulting from willful or negligent noncompliance, including actual damages, statutory damages, punitive damages, and attorney fees.

If I do not receive a satisfactory response within 30 days as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I will have no choice but to escalate this matter through legal channels, including filing a lawsuit and reporting this violation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This letter serves as an official notice of intent to sue should you fail to comply with your legal obligations. I expect a prompt response, including the requested verification details and a resolution to this matter, to avoid further legal actions.

Sincerely,

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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: DriveTime
State: FL

Complaint narrative:
Subject : Follow-Up on Complaint Submitted on XX/XX/year> Forgery and Fraud with Drive Time. 

Complaint In Reference # XXXX I am writing to follow up on my formal complaint submitted on XX/XX/year>, regarding the serious issue of forgery and fraud with Drive Time. As per your acknowledgment, I understand that my complaint is being reviewed and that you may need to send it to the company or other relevant agencies for further action.

However, it has been over 15 days since I submitted the complaint, and I have not received any further communication from Drive Time regarding the status of this issue. As a reminder, I discovered that my signatures and initials were forged on the sales contract after raising concerns about suspicious charges and incomplete information in the contract. Upon further review, it was clear that the dealership had forged my signatures, rendering the contract unlawful and void. I have attached both the dealership 's emailed contract ( with forged signatures ) and my original unsigned contract for your reference. 

Given the gravity of this matter, I request the following updates : Confirmation of the steps taken by CFPB to investigate this issue of forgery and fraud with Drive Time.

Information on any actions CFPB has taken to address this issue on my credit report or notify relevant parties.

An update on any correspondence with Drive Time or other authorities related to my complaint. 
Please be aware that I am actively pursuing legal action for forgery and fraud and preparing to file a civil lawsuit against Drive Time. This issue is causing significant harm to my financial standing and must be addressed immediately. 

I expect to receive an update from you within 15 days. If I do not hear from you or receive a resolution, I will be forced to escalate this matter further, including pursuing additional legal actions. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-03-04 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: EQUIFAX, INC.
State: TX

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 confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/year> i made XXXX visits to a local Citibank office to put my accounts in my trust as I am a senior citizen and trying to get my affairs in order. I received a letter in XXXX stating they are not able to add signers please contact Citiphone. I called and waited 25 minutes and the rep didnt understand so I asked to speak to a supervisor. I told her The line was garbled and I couldnt understand what she was saying then she hung up on me XXXX minutes lost and nothing accomplished

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Experian failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Experian, to remove the bankruptcy, yet it is still being reported. 

Transunion failed to conduct adequate investigations of disputed information in credit reports. I disputed a bankruptcy with XXXX, it came back unverifiable and XXXX removed it from my consumer profile. XXXX reached out to Transunion, to remove the bankruptcy, yet it is still being reported.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Electric 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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app closed my account in XXXX after not giving me my XXXX tax refund as well as not letting me have access to my return! 
They said they closed my account due to a violation but wont tell me what that violation is. They are the top scamming online banking company and i am going to SUE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification. 

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor. 
Statute of limitations and last payment missed on the debt. 
An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with Credit Collection Services bearing my signature. 
Provide insurance claims of the debt. 

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the

Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802. In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase do
cument, which explicitly details the price you paid for this particular debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 pull my credit report and see a hard injuries an my report from XXXX XXXX XXXX  XX/XX/year>. This hard injuries was not authorize by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In 2023, the CFPB banned XXXX XXXX for their deceptive business practices. All of those consumers were relieved of their debt, with no further monetary obligations attached. However, XXXX XXXX sold the debt, with my name attached to it to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX purchased this fraudulent debt & then attached it to my credit report. With no contracts or signatures, this company reported the debt to all 3 bureaus. I have disputed this debt multiple times. Yet, Experian keeps denying my dispute request and they refuse to remove it. I have made them aware of the CFPB ban and I have notified Experian of this fraud. This false reporting has hurt me tremendously. It has lowered my credit score and made me appear as a delinquent consumer. In return, this false reporting has kept me from getting approved for many things. Experian should not allow false reporting in any manner. This false debt needs to be removed.

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 2025-03-04 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: AZ

Complaint narrative:
I am writing to formally dispute an account related to XXXX XXXX that I believe has been fraudulently created or involves inaccurate information. I have reviewed the details of the account, and I am confident that this is a case of fraud. 

The details of the fraudulent account are as follows : Account Number : XXXX Name on the Account : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX The account in question contains incorrect information, including [ mention specific details, such as the wrong amount of support, false claims of arrears, or an incorrect order of support ]. I have not been involved in any XXXX XXXX agreement, nor am I responsible for any payments connected to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I am writing to formally expressed 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 of 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 also allowed repeat offenders to exploit the system, leaving users vulnerable. 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 2025-03-04 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: NJ

Complaint narrative:
I recently reviewed my credit reports and noticed fraudulent activity. Listed below are the accounts unauthorized as I have no knowledge of these accounts. 

Credit Card Account name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Address identification number XXXX Account number XXXX 

Auto loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Account number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit reports and noticed fraudulent activity. Listed below are the accounts unauthorized as I have no knowledge of these accounts. 

Credit Card Account name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Address identification number XXXX Account number XXXX 

Auto loan : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address identification number XXXX Account number 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 2025-03-04 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: FL

Complaint narrative:
Its incredibly frustrating to know that my credit score has been affected by accounts I never opened. For too long, these errors have been weighing me down, making it harder for me to access opportunities I should have had. Its unfair that my financial reputation is being damaged by something that isnt my fault.

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