vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX  Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.

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 2025-01-16 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Formal Request for Immediate Removal of Fraudulent Reinserted Accounts To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute the reinsertion of fraudulent accounts into my credit report. These accounts were previously removed after being identified as the result of identity theft. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts information that was previously deleted, it is required to : 1. Notify me in writing within five ( 5 ) business days of the reinsertion. 2. Provide the certification from the data furnisher that substantiates the accuracy of the reinserted information. I have not received any such notification or supporting documentation regarding the legitimacy of the reinserted accounts. This failure to comply with the FCRA constitutes a violation of federal law. The following fraudulent account has been reinserted and must be permanently removed from my credit report : REINSERTED FRAUDULENT ACCOUNT : XXXX XXXX Account Number : XXXX The presence of this inaccurate information is causing significant harm to my credit profile and financial well-being. Furthermore, non-compliance with the FCRA exposes your agency to potential legal liability under 15 U.S.C. 1681n. To support my claim, I am enclosing the following documentation : 1. FTC Identity Theft Report ( Case Number : [ FTC REPORT NUMBER : XXXX I am formally requesting written confirmation that this reinserted account has been permanently deleted from my credit report. Additionally, I expect to receive an updated copy of my credit report reflecting this correction. Should this matter not be resolved promptly, I will pursue all legal remedies available to protect my rights as a consumer.

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 2025-01-16 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 raise my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that underscores serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was not possible 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 fraud. This lack of accountability and transparency is deeply concerning and highlights critical risks to consumer safety. 

I urge Zelle to address these issues and take immediate steps to enhance protections for its users. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Dispute of Charge-Off Under 15 U.S.C. 1666b Dear, Consumer Financial Protection Bureau I am writing to formally dispute the charge-off listed on my credit report under the provisions of the Federal Truth in Lending Act, specifically 15 U.S.C. 1666b, which provides consumers the right to dispute billing errors. 
The account in question is : Creditor Name : [ Jefferson CapitalLL ] Account Number : [ XXXX ] Amount XXXX Date of Charge XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 unfeasible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have a investment account with Robinhood markets Inc using their XXXX  app Roinhood. There was an unauthorized sell of my investments and an unauthorized withdrawal of those funds to another bank account which is not mine. I did not get a notification of this fund transfer before it occurred which is not acceptable. The funds were transferred immediately without any hold or verification from me. I am unable to contact a customer rep to bring up this issue and start to have it resolved. I have been on hold for over 5 hours in the meantime more money was taken. In total, approximately {$2000.00} of my money was transferred to an unknown bank account after the selling of its appropriate value in XXXX  stock I held in the account. I am in the middle of selling everything and moving off the platform to save the remaining balance of around {$2500.00}. I was not informed about these account activities which is not acceptable for a financial platform. I have attached a transcript of the withdrawal with the value stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my identity was compromised and used to submit multiple fraudulent applications for credit cards and loans. 

After discovering this, I reviewed my credit reports from all three credit bureaus and contacted companies that had made hard inquiries during this time frame. CB Indigo/IndigoCard was one of the companies involved. 

On XX/XX/XXXX, I called and spoke with a representative at CB Indigo/IndigoCard to report that the application was fraudulent and requested that it be voided. They said the company will send a letter in the mail with the outcome. If I need to call back, they provided the following number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
XXXX  POWER OF ATTORNEY REVOCATION Use of this form is for the power of attorney of : - Health Care Powers- Financial Powers - Other : - XXXX, XXXX XXXX -, hereby immediately revoke those portions covering decisions of the document titled Auto Loan -, that I previously executed on the XXXX of _ XXXX _, XXXX which appointed XXXX XXXX XXXX _ as my agent and XXXX XXXX XXXX XXXX my alternate successor agent. I hereby notify said agents ) and any other interested persons and institutions that all portions of said document are revoked. 
This revocation takes effect immediately. A photocopy has the same effect as an original. 
This revocation was signed the XXXX of XXXX Signature of Principal XXXX cut Print Name Join XXXX -, 2024. 
NOTE : Provide copies to anyone who XXXX have copies of the XXXX of Attorney that is being revoked. Retain the original of this form in your personal papers. 
State of XXXX XXXX of XXXX On this XXXX XXXX XXXX of XXXX _, in the year 2024, before me XXXX XXXX _, a notary public, personally appeared XXXX XXXX - proved on the basis of satisfactory evidence to be the person ( XXXX ) whose name ( XXXX ) ( is/are ) subscribed to this instrument, and acknowledged ( he/she/they ) executed the same. 
XXXX XXXX XXXX my hand and official seal. 
Print Name XXXX XXXX My Commission Expires on XXXX XXXX, XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX XXXX XXXX Expires XX/XX/year> ( Seal )

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 2025-01-16 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: AZ

Complaint narrative:
I would liked 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 unfeasible. The CFPB 's 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 2025-01-16 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representative Subject : Dispute of Credit Report Information and Request for Description of Procedures I am writing to formally dispute the accuracy of specific information listed on my credit report. The disputed item ( s ) are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX Incorrect balance of {$22000.00}. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Amount financed is {$23000.00} and your are reporting {$22000.00}. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a detailed description of the procedures used to investigate my dispute, including the methods used to verify the accuracy of the information provided by the data furnisher. I have attached supporting documentation that validates my claim, including ITEMIZATION OF THE AMOUNT FINANCED. Please use this information to assist in your investigation. In accordance with FCRA requirements, I expect a response within 30 days. Additionally, please send me a copy of the updated credit report once the investigation is complete. Thank you for your time and attention to this matter. Please feel free to contact me if further information is required. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am filing this complaint against XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting standards. 
XXXX XXXX XXXXXXXX I requested documentation and verification of this debt including the method of verification

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 2025-01-16 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: AZ

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, the CFPB 's findings indicate that Zelle has not only neglected to protect customers 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 customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
Experians Failure to Remove Inaccurate Personal Information from My Credit Report I have repeatedly requested Experian to remove incorrect personal information on my credit report, including over 8 inaccurate names and two incorrect addresses. Despite submitting these requests and providing supporting documentation to demonstrate these errors, Experian has failed to correct the information. I only have one name : XXXX XXXX XXXX and XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX every other name and adress is wrong. 

List of Inaccurate Information Being Reported : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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 NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Over 8 names incorrectly associated with my credit file.

Two addresses where I have never resided. 
Experian has failed to fulfill their obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information in my credit report. This neglect is causing harm to my creditworthiness and creating confusion for

creditors who may rely on this inaccurate data. 
This incorrect personal information has created unnecessary obstacles in managing my credit profile and has potentially led to erroneous associations with accounts or activities that are not mine. 

Fair Credit Reporting Act ( FCRA ) : Section 609 : Guarantees consumers the right to accurate personal information on their credit report. 
Section 611 : Requires credit reporting agencies to investigate disputes promptly and correct or delete inaccuracies within 30 days. 
Experian has failed to meet these obligations despite my repeated disputes and evidence provided.

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 2025-01-16 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: NV

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NY

Complaint narrative:
Ordered on line from XXXX, XX/XX/year> they provide a pay plan thru Klarna/XXXX XXXX XXXX every 2 wks. 4 payments ( {$22.00} ) for a total of {$89.00}. You authorize the payments when you order, paid thru checking acct. Their system duplicated an UNAUTHORIZED order. Then sent me emails demanding payment.I contacted XXXX, they sent me a return label & I returned the unopened 2nd order. They confirmed receipt. approx. XX/XX/year>. I Contact Klarna ( phone ) explain what happened. They Refer me to XXXX, who tells me to contact Klarna.. I spent months ( phone calls, emails to Klana ) no change.. To this day I am receiving threats from Klarna/XXXX for payment. My original order was paid off as usual .recived email confirm of final payment from XXXX XXXX XXXXXX/XX/year>. I am a XXXX no credit card & have developed a credit line with vendors thru this on line system with no problems. Since this error they have blocked my ability to order from anyone, not only from them but numerous other plans..I had an excellent rating & ordered easily from numerous vendors until they fraudulently placed a stop on my online credit line..They also go by 3 different names ... Klarna, XXXX XXXX XXXX. Loan # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.

Company response to consumer: Closed with explanation