vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
XXXX XXXX XXXX  The services I paid for around XXXX was not granted. every time I spoke to a representative, they said that I had to contact the credit bureau myself to dispute/ negotiate my credit issues. I question that since I was paying them to repair/fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-01-25 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 typing this to formally express my concerns about Zelle 's handling of disputes, Particularly in light of cfpb lawsuit highlighting Significant issues with the platform. Despite using Zelle numerous times and reporting all 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 also allowed repeat offenders to exploit the system, and leave 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 2025-01-25 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: NY

Complaint narrative:
XXXX breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and XXXX still have it listed on my report. I received XXXX  for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report

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 2025-01-25 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: NY

Complaint narrative:
XXXX breach my information. Shared my credit report even thought I asked for a freeze and fraud alert. I was not informed, nor did I authorized use of my credit report to potential lenders. I disputed this information and XXXX still have it listed on my report. I received 1098 for my collections but they are still listed on my credit report. This is supposed to be unlawful Wrong addresses on my report, wrong name on my report

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 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Overcharged me interest fees open account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Unauthorized Hard Inquiries Dear Equifax, I am writing to formally dispute the inclusion of unauthorized hard inquiries on my credit report. Specifically, the following inquiries were not authorized by me and should be removed : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) I did not initiate or provide authorization for any of these inquiries. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that only accurate and verifiable information is included in a consumers credit file. Since these inquiries were not authorized, they must be deleted from my report. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently took action against Equifax for failing to properly investigate consumer disputes. The CFPB found that Equifax ignored evidence submitted by consumers, failed to conduct proper investigations, and allowed inaccuracies to persist in credit reports. As part of the enforcement order, Equifax is required to comply with federal laws, including properly investigating disputes and ensuring the accuracy of consumer credit reports. 

In light of these findings and your obligations under federal law, I expect a thorough investigation into this matter. 

Please remove these unauthorized inquiries from my credit report and confirm the changes in writing. If you determine that the inquiries can not be removed, I request a detailed explanation and supporting documentation demonstrating that these inquiries were authorized. 

Failure to resolve this matter may result in further action, including filing a complaint with the CFPB or seeking legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response within the required 30-day period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Asked for debt validation and proof for them to purchase the alleged debt owed. Also disputed it via XXXX for multiple inaccuracies and it keeps coming back valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-25 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: AZ

Complaint narrative:
There is major inaccuracies being reported by TRANSUNION on my credit report, listing addresses, names and phone numbers that do not belong to me, which is not in compliance with 15 U.S. CODE 1681 FCRA Laws.

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 2025-01-25 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: NV

Complaint narrative:
This complaint is serious and is not sent in error. The inaccurate information in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.

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 2025-01-25 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 filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

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 2025-01-25 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: NV

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.

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 2025-01-25 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: CA

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies : XXXX  XXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the XXXX limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX  XXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access. 
Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
Subject : Dispute Regarding Inaccurate Reporting Under FCRA Section 1681o To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which have caused significant harm to my ability to obtain credit. The errors appear to stem from negligent reporting practices that violate the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies : XXXX XXXX Account Number : Issue : Duplicate account entries and no balance updates. 
XXXX XXXX Account Number : Issue : Expiration date exceeds statutory limits and omissions under the balance section. 
XXXX XXXX XXXX Account Number : Issue : Conflicting payment history data and outdated information beyond the XXXX limit. 
XXXX XXXX Account Number : Issue : Incomplete payment history for a closed account. 
XXXX  XXXX Account Number ( s ) : Issue : Missing balance and payment data, constituting reporting omissions. 
XXXX XXXX Account Number : [ Provide masked number ] Issue : Closed account inaccurately reported as late each month. 
These errors represent negligent reporting under FCRA Section 1681o, as they lack the accuracy and completeness required by law. I respectfully request immediate removal or correction of these items.

Additionally : Remove all non-account holding inquiries over 30 days old.

Apply a Promotional Suppression to my file to limit unnecessary access.

Please complete your investigation within 30 days, as required by the FCRA, and provide written confirmation of the outcome. 

Thank you for your attention to 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
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 2025-01-25 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 1681i, you are legally required to ensure that all information reported is accurate, verifiable, and complete. The item in question is as follows : Account Name/Number : [ Provide creditor and account number ] Issue : [ Explain the probleme.g., incorrect balance, account not mine, account reported late, etc. ] Date of Inaccuracy : [ Specify the date of the error ] This inaccurate reporting constitutes a blatant violation of my consumer rights under the law. Enclosed with this letter, you will find detailed evidence supporting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: OneMain Finance Corporation
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Sections 611 and 1681i, you are legally required to ensure that all information reported is accurate, verifiable, and complete. The item in question is as follows : Account Name/Number : [ Provide creditor and account number ] Issue : [ Explain the probleme.g., incorrect balance, account not mine, account reported late, etc. ] Date of Inaccuracy : [ Specify the date of the error ] This inaccurate reporting constitutes a blatant violation of my consumer rights under the law. Enclosed with this letter, you will find detailed evidence supporting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and Assignment Contract Dear Sir/Madam, I am writing to request that you validate the debt referenced below as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute the validity of this debt and require proof that you have the legal right to collect it. Specifically, I am requesting the following information : 1.The full amount of the debt including any interest, fees, or other charges that have been added.

2.The name of the original creditor and any documents showing that you are authorized to collect the debt on their behalf.

3.A copy of the assignment or contract between the original creditor and your agency, which demonstrates that the debt was legally transferred or assigned to you. This includes the original signed contract or any legal documentation that proves the chain of ownership.

4.Any judgments or court orders related to this debt, if applicable.

Please note that under the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you are unable to provide sufficient documentation to validate this debt, you must cease collection efforts immediately and remove any entries associated with this debt from my credit report. 

I also request that you cease any further collection attempts until the requested validation and documentation are provided. If you do not have the legal right to collect this debt, or fail to provide the requested documentation, I ask that you immediately cease all communication with me and remove any negative information from my credit report. 

Thank you for your cooperation, and I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation