vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: NC

Complaint narrative:
There are frauduelent accounts listed on my credit file. Please remove them 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. 

XXXX XXXXXXXX XXXX XXXX Acct : XXXX open date : XX/XX/XXXX reporting 2 lates ; XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX open date : XX/XX/XXXX reporting 2 lates ; XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX open date : XX/XX/XXXX reporting 2 lates ; XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX Acct : XXXX open date : XX/XX/XXXX reporting 3 lates ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX Acct : XXXX. open date : XX/XX/XXXX. reporting 2 lates : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX / XXXX XXXX account : XXXX open XX/XX/XXXX reporting 6 lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX account number ; XXXX opened XX/XX/XXXX reporting 29 lates XXXX, XXXX 15 U.S.C. 1681 section 602 Al 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business 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 non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: CT

Complaint narrative:
I contacted XXXX in XX/XX/XXXX and XX/XX/XXXX regarding a debt that they reported in the amount of {$3100.00} on my credit report. I advised them that I need more clarification on the details of this debt because I have never done business with them or utilized any service they provide. They advised me both times they could not find anything on file and to dispute this with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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 seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against TransUnion for failing to properly investigate and resolve my credit dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>2025, I submitted a dispute regarding inaccurate information on my credit report, specifically related to XXXX XXXX Acct # XXXX / XXXX XXXX Acct # XXXX. As of today, XX/XX/year>2025, my dispute remains in In Review status, which exceeds the 30-day legal limit imposed by the FCRA.

FCRA Violation Details : 1. Failure to Complete Investigation in 30 Days : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must investigate disputes and provide results within 30 days ( or 45 days if additional information was provided ).

My dispute has now been pending for over 49 days without resolution.

2. Failure to Delete Unverified Information : According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a bureau does not verify the disputed item within the required timeframe, it must delete the information from my credit report.

Since TransUnion failed to complete their investigation, the disputed accounts must be deleted immediately.

Requested Action : I request that the CFPB enforce compliance with the FCRA and require TransUnion to : 1. Immediately delete the disputed accounts from my credit report due to their failure to verify within the legal timeframe.

2. Provide a written response explaining their delay and confirming the deletion of the disputed items.

3. Ensure compliance with FCRA guidelines to prevent similar violations in the future. 

I have attached supporting documentation, including a screenshot from XXXX XXXX showing the prolonged dispute status. Please investigate this matter promptly, as this delay is harming my creditworthiness. 

Thank you for your time and assistance. I look forward to your response. 

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 non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am currently on Autopay with Edfinancial who hosts my XXXX XXXX XXXX. I decided to switch to another bank with different routing number and account number. I was able to enter those in and was able to make a manual payment. As I try to setup autopay, the bank account is gone. I try to enter it again and it says this is not a valid routing number. This is a new bank from 3 years ago so I asked them if they can update their routing table. They told me it is a bank issue ( which it is not and told me to call my bank ). This is with my bank being able to receive the manual payment. Now I am unable to pay my XXXX XXXX  or sign up for autopay with my new bank account. To switch to autopay, I had to unenroll in autopay with my old account. This makes me lose the 0.25 % interest deduction I get with autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NY

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 SIGNIFIGANT ISSUES WITH THE PLATFORM. DESPITE USING ZELLE NUMEROUS TIMESAND 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 FINDING INDICTE THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT CONSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPOIT THE SYSTEM, LEAVING USERS VUNERABLE TO SCAMS. THIS LACK OF ACCOUNTABILITY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS ONCERNS ABOUT CONSUMER SAFETY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: DE

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
accounts are reporting negatively to my report. Ive tried to get it off multiple times. They never provided me with what Ive asked for. Never provided a debt validation letter for my account like i asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, It started a couple of years ago, I believe in XXXX, when I was first contacted by a debt collector from Texas attempting to collect money that I was not aware I owed. I tried to investigate, but I was told it was someone else they were looking for. The entire process was sketchy, but I let it go. About 5 months ago, I discovered in my bank portal that several different credit cards had been opened in my name, listing a wide range of amounts I did not apply for, dating back to XXXX, as I was only 12 years of age. Earlier this month, I discovered my mail had been tampered with and was debt collection warnings sent to the wrong address dating back to XXXX. I have been investigating on my own ever since and have been gathering further information from my bank and reaching out to every bank listed on my portal to warn them that this is not me. There are amounts from XXXX XXXX to a low as {$100.00}, none of which I applied for or got to use. My credit score is not great, and I didn't realize it until it was too late. I am so worried about how this will affect me in the future if it is not handled properly. I have contacted some lawyers and may file a criminal lawsuit as I may know the person behind this, but I will continue researching on that. I hope a representative can help me red flag and freeze all the active accounts, which show to be about 5 that are listed as " negative ''. I am hoping that you all can help me clear my credit history and I can gain control back so that by the time I am actually ready to apply for a credit card myself, I know it was me and not someone else. I have never applied for a credit card in my life and vowed not to until I was truly ready ; the last thing I want to do is end up in debt. I already have school loans to pay, and interest is building on that every single day. I need this issue to go away, I am working towards buying a car and my first home, which can't happen if my credit remains where it is now. Please help me if you can, and I will provide all the information you need upon further instructions. thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Dispute of Incorrect Account Request for Deletion Dear : Credit Bureaus I am writing to formally dispute an inaccurate account that appears on my credit report. Theaccount in question, listed under the name of XXXX XXXX XXXX  with account number XXXX, is not mine and has been mistakenly associated with my credit file. 
As per the Fair Credit Reporting Act ( FCRA ), I request that you conduct an investigation and provide documentation verifying that this account rightfully belongs to me. If verification can not be provided, I respectfully ask that the account be removed from my credit report immediately. 

To assist with your investigation, I have attached the following documents : A copy of my government-issued ID A copy of a recent utility bill or bank statement as proof of my identity A copy of my credit report with the incorrect account highlighted Please respond in writing with the results of your investigation within the legally required timeframe of 30 days. If the account can not be verified, I expect its removal from my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute at your earliest convenience. You may contact me by mail if further information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation