vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I noticed 2 inquiries were show on my report without my consent. 
the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no knowledge of these 2 inquiries.

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 2025-01-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: KY

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 attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
statement hitting my account from XXXX XXXX XXXX XXXX for a utilities account opened in XXXX back in XXXX of XXXX. I alerted XXXX that I was the victim of identity theft, and have never lived in XXXX and spoke with their agent XXXX. He placed a fraud alert on my account and opened up a dispute with me ( ref XXXX XXXXXXXX ). This was resolved and taken off my report. Then this XX/XX/XXXX, I received another collection item hitting my credit from Southwest Recovery Services, for another utility account fraudulently opened in my name in XXXX with XXXX XXXXXXXX XXXX. I disputed the collection in the app, waited a week and they wouldn't remove it from my account. When I called in they told me it was because it was identity theft and the dispute could only be made by calling in. This was no where in the app. I had them open a dispute due to identity theft and was instructed by the agent to upload my FTC report and copy of my driver 's license. I also alerted the agent that there were XXXX incorrect addresses listed in Texas on credit report that needed to disputed as they were related to the identity theft. She let me know that XXXX of the addresses was associated with the debt collection so couldnt be disputed and they could only dispute the one at the moment. After getting off the phone I uploaded the requested documents. I also sent a letter certified mail to Southwest Recovery Agency disputing the collection. They received the letter on XX/XX/XXXX. This Saturday I received several emails from XXXX letting me know that they did delete the fraudulent address. But they wouldnt block my collections. They said the dispute was made in error and that the documentation I uploaded ( my FTC report ) didnt prove it was sent to a law enforcement agency. Once I received that email I called CFPB on XX/XX/XXXX and was advised to file a complaint. I am attaching my FTC report and the email I received from XXXX as well as the letter to the debt collector and a screenshot that they received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was un feasible. The CFPB 's finding 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
I have attempted to contact the servicer ( MOHELA ), the month of XXXX, 2025 a total of 9 times. I dialed XXXX and each time I wait an average of 3.5 hours each call for a representative to retrieve my waiting call. I have yet, to speak to anyone. I spoke with a representative with Federal Student Aid- the representative forwarded me to MOHELA . Again, I waited on hold 2 hours. I also mailed a statement I received with a note that indicated my desire for a forbearance and correspondence via phone call. 

I need to apply for a forbearance before XX/XX/year>. There is not a functionality online ; I have to go through representatives. Unfortunately, representative will not answer the phones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
XXXX XXXX, inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXX XXXX no wet signatures, proving original debt.

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 2025-01-22 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-22 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: MD

Complaint narrative:
Zelle has been violating consumer financial protection laws. Engaging in unfair, deceptive, or abusive acts and practices. Zelle had no security features leaving me vulnerable to fraud and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 violates consumer financial protect protection act. ( CFPA ) specifically cash app. Failed to take timely effective measures to prevent in address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore 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 has caused an significant inconvenience in financial loss and I am seeking appropriate red dress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 address my concerns regarding Zelles management of disputes, particularly in the context of the recent CFPB lawsuit, which has highlighted serious problems with the platform. Despite using Zelle extensively and reporting discrepancies, neither my financial institution nor Zelle itself adequately investigated my claims. I was told that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings reveal that Zelle has not only failed 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 deeply troubling and raises significant concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX  several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I applied for a mortgage in XX/XX/XXXX. The mortgage lender shared that he did not see any issues with me being approved based on the two credit reports he pulled but he was required to use all three reports. They were not able to get the report from XXXX. The lender and I called separately and on a three way call, They told use that there were no blocks on the report and the company should be able to pull it but everytime they tried, the were not successful. I tried another bank, they also said they don't see a problem with approving me for the loan based on the two reports they received but they need to see the XXXX report but it eas coming back with a message, " no hit ''. When I called to give XXXX permission to release my credit report, they stated, the bank should be able to pull it. I spoke to XXXX supervisors but they were not able to tell me why I'm having the problem. After calling XXXX at least 10-15 times, I reported the issue to CFPB on XX/XX/XXXX and they sent back the response from XXXX stating there is no hold on my credit report. I went back to the same bank in XX/XX/XXXX and they still were unable to pull the report and received the message " no hit ''. I applied for a mortgage with a new lender in XXXX and they were not able to access one of my credit reports. This is a huge financial strain on me, I should be able to purchase a home instead of paying expensive rent.

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Iam filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit on experience despite my efforts to resolve XXXX this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of XXXX this items, as it is incorrect and da creditors not reflect my true credit history. 

Accounts Names Account Number 1 ) Eastern account systems XXXX XXXX ) XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-22 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: GA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-01-22 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: NY

Complaint narrative:
I am submitting a complaint against experian for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ). Despite providing the correct documentation to prove these inaccuracies XXXX has not fulfilled its legal obligations, under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C.- 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the 30 day period ( 15 U.S.C.-1681i ( a ) ).

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent a XXXX to my daughter and she didnt receive the funds, someone else did and would not send my funds back, and my bank said once the XXXX was sent, they couldnt do anything about it because I sent it to the persons phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
Using the cash app money transaction app I encountered many problems such as unauthorized transaction and incomplete or inaddiquate investigations. When I became of victume of fraudulent merchants, I contacted customer service to conduct an investigation and the company complied and informed me that the investigation was being done about my complaint. Upon the completion of the investigation the company Cash App never refunded me monies or block the merchant from continued transfers to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was an active cash app user between XX/XX/XXXX and XX/XX/XXXX the period covered by class action. The lawsuit alleged that Cash App mishandled security measures or suffered data breaches, which might have exposed my information or caused unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-22 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian inaction violates federal law and my rights as a consumer. These practices are unfair, deceptive and abusive. I have disputed more than once but the most recent dispute was Complaint number XXXX and other complaint reports regarding XXXX. The result did not include any original documents that contained original authentic actual signature and the balance amounts do not match account balances.

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