vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: NV

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 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) 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 and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-01-28 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living 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 2025-01-28 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 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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Today Wells Fargo emailed to inform me that my dispute filed on XX/XX/XXXX, was closed. 

According to Wells Fargo : " Visa requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. '' Wells Fargo did not reach out to inform me what specific information was required to process my dispute before closing it. 

I am pasting below the content of my XX/XX/XXXX email to Wells Fargo. The actual email chain and the referenced emails, are attached along with my XX/XX/XXXX email to Wells Fargo. 

Good afternoon. 

I received the email below from Wells Fargo informing me that you have been unable to reach me by phone or email about dispute XXXX. The last email I received from Wells Fargo was on XX/XX/XXXX, and I followed the instructions in that email by emailing XXXX the same day. I did not receive any further communication from Wells Fargo, not by email and not by phone ; I do not know why the email below stated that Wells Fargo had been unable to reach me. 

Is there any information necessary for my dispute for items/services not received that I have not provided? 

If so, please let me know by email ( XXXX ) so that I have records of this. Upon receiving your request for further information, I will provide it as soon as possible. 

Please note there was no address listed on the invoice associated with this transaction, but if you require an address for the delivery of items/services not received, please use the below : XXXX XXXX XXXX, XXXX, VA XXXX XXXX 

Thank you again for your help. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-01-28 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX account number XXXX. Due to inaccurate information and XXXX  denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as XXXX  has not attempted to remove or correct any information on my consumers report. XXXXm requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
Subject : Dispute of Fraudulent XXXX Card Account on My Credit Reports Dear Equifax, XXXX, and XXXX, I am writing to dispute the inclusion of a XXXX Card account that has recently appeared on my credit reports. I did not apply for or authorize this account, and I believe it is fraudulent. My personal information was compromised as a result of the Equifax data breach and the XXXX XXXX XXXX XXXX data breach , making me a victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, free from false or unverifiable information. This XXXX Card account is not mine, and its presence on my credit report constitutes an inaccuracy. 

I demand that you : Investigate this account under FCRA 611.

Provide documentation verifying the legitimacy of this account and my obligation to it, or remove it immediately. 

Permanently delete this account from my credit reports if it can not be verified. 

Please conduct a prompt investigation and provide written confirmation of the removal of this fraudulent account. Thank you for your attention to this matter and for ensuring the accuracy of my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: AZ

Complaint narrative:
Subject : Dispute of Fraudulent XXXX Card Account on My Credit Reports Dear XXXX, XXXX, and Experian, I am writing to dispute the inclusion of a XXXX Card account that has recently appeared on my credit reports. I did not apply for or authorize this account, and I believe it is fraudulent. My personal information was compromised as a result of the XXXX data breach and the XXXX XXXX XXXX XXXX data breach , making me a victim of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate credit report, free from false or unverifiable information. This XXXX Card account is not mine, and its presence on my credit report constitutes an inaccuracy. 

I demand that you : Investigate this account under FCRA 611. 

Provide documentation verifying the legitimacy of this account and my obligation to it, or remove it immediately. 

Permanently delete this account from my credit reports if it can not be verified. 

Please conduct a prompt investigation and provide written confirmation of the removal of this fraudulent account. Thank you for your attention to this matter and for ensuring the accuracy of my credit reports. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I dont know how I keep getting these hard inquiries on my credit from banks and loans I didnt authorize myself someone is trying to use my credit for bank accounts and loans and cars

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
XXXX Reporting inaccurate information on my credit report about debt. I told them I was incarcerated at the time this happened.

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 2025-01-28 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: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I have found out that there has been a collection account that was sold originally from XXXX XXXX XXXX also reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please unrestricted or unblock or unsuspend my online bank account access and restore access and regrant me fully access back to my bank account and fully access to to all my features on my online bank account etc.

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 2025-01-28 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XX/XX/XXXXAccount # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: TN

Complaint narrative:
I was really in need of a vehicle for work after being in the hospital after my XXXX. So honestly I think it was more of a moment I was being taken advantage of because of course I was a bit desperate to get another vehicle. After the first few months of the payments I spoke with a few people because my balance was barely going down and Ive never dealt with that problem before and they told me after the first 3 months it would stop but it hasnt so now Im stuck with a car I cant trade in or refinance at all because Im in so much negative equity with this car. I could have a better car for {$700.00} a month than a XXXX XXXX  that is now only worth $ XXXX but I still owe the same amount I left the dealership with I got this car back in XXXX of XXXX  and barely made a difference in my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
Dear Experian, I am writing to express my outrage and frustration regarding a grave matter of identity theft that remains unresolved in my credit file. I originally contacted Experian and raised concerns about fraudulent accounts appearing under my name, which I explicitly stated were the result of identity theft. After my initial dispute, these fraudulent accounts were temporarily removed from my credit report, and I was relieved to see the correction. 
However, without any notice, explanation, or appropriate documentation, I was appalled to discover that these same fraudulent accounts have been RE-ADDED to my credit report. This is not only reckless but a clear violation of my consumer rights. It is incomprehensible that, despite my previous communication with you regarding this matter, Experian would allow these fraudulent entries to reappear, especially without providing any clear justification for this egregious action. 
Let me be absolutely clear : These accounts are the result of identity theft, and as such, they should never have been added to my credit report in the first place. Their presence on my credit report is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), and your failure to properly document and explain why these fraudulent accounts have been reintroduced is both illegal and unacceptable.According to SECTION 605B of the FCRA these accounts must be removed from my credit report. 
I demand that these accounts be immediately and permanently REMOVED from my credit report, without further delay. I also request that Experian provide me with formal documentation explaining the timeline of this re-addition, the reason behind it, and any supporting evidence. If I do not receive proper documentation or see these accounts removed promptly, I will have no choice but to escalate this matter to the appropriate regulatory bodies, including the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I trust that Experian will take immediate action to resolve this issue in accordance with the law, and I expect confirmation of the removal of these fraudulent accounts within 30 days.

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 2025-01-28 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge OffXX/XX/XXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XX/XX/XXXX- XXXX - {$0.00} XX/XX/XXXX - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XX/XX/XXXX - XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX - {$7300.00} Late Payment XX/XX/XXXX - XXXX - {$0.00} XX/XX/XXXX - XXXX - {$0.00} Bankruptcy XX/XX/XXXX Bankruptcy - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
XX/XX/XXXX update dispute XX/XX/XXXX Paid and closed XXXX {$520.00} XX/XX/XXXX Collection of XXXX XXXX XXXX Disputed XX/XX/XXXX {$480.00} Written off and i disputed

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