vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
1681o. Civil liability for negligent noncompliance 1681n. Civil liability for willful noncompliance This account is closed with a paid balance. This is falsely reported. 
Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$470.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: LA

Complaint narrative:
I paid off my loan in full as of XX/XX/year>2024. Studentaid.gov shows over XXXX paid but Edfinancial contacted me 6+ months later demanding more payment, claiming they refunded me an extra XXXX. I believe this is an error on their part. They did indeed refund me XXXX at my request which I have paid back since then ( paid off loan in XX/XX/year>2024 ). They have been difficult to deal with, sending me multiple duplicate checks when I requested that refund of XXXX. Those checks were all voided and returned via certified mail immediately. I did not cash any checks for more than the XXXX. 

Please see attached documentation showing my loan paid in full according to the credit bureaus and studentaid.gov since XX/XX/year>2024 to this day. 

I have flawless payment history and have upheld my responsibility in paying this loan not once but twice ( paid it off during forbearance as well, which was why I requested the refund- when loan forgiveness was potentially going to occur ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-20 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: OR

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Account charged off, but I payed the company. Remains on credit report Protection of Nonpublic Personal Information Regarding Charge-Offs ( 15 USC 6801-6802 ) : Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must implement measures to protect the confidentiality of nonpublic personal information ( 15 USC 6801 ). If an account is charged off, creditors must still maintain the security of your personal data and prevent unauthorized disclosures.

Further, under 15 USC 6802, financial institutions are restricted in sharing your nonpublic personal information with third parties. Before sharing such information, institutions are required to notify you of their privacy practices and provide an opt-out option, unless the sharing is necessary for servicing the account, collections, or other permissible purposes under the GLBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Due to inadequate customer service and unfair practices, which violate the consumer financial protection act, specifically, cashapp failed to take timely and affective measures to prevent and address fraud on there 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 and regulation, they 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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. 

List of Unauthorized Inquiries : XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-20 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishings, 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 inaction violates federal law and 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 2025-01-20 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 Zelles 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 infeasible. The CFPBs 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 consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Aldous and Associates XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Validation of Debt Dear Aldous and Associates, I am writing to formally request the validation of the debt associated with my account ( Account Number : XXXX ), as permitted under the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, I have the right to request verification of any debt that I am alleged to owe. 

Please provide the following information regarding the debt : XXXX. **Amount of the Debt : ** A detailed breakdown of the total amount owed, including any fees or interest. 

XXXX. **Original Creditor Information : ** The name of the original creditor ( in this case, XXXX XXXX ) and any relevant details about the account. 

XXXX. **Verification of Debt : ** Documentation that verifies the debt exists and that you have the legal right to collect this debt. 

XXXX. **Payment History : ** A record of any payments made towards this debt, if applicable. 

Please note that until this validation is provided, I request that all collection activities cease as required by the FDCPA. Additionally, please ensure that this matter does not impact my credit report until the validation process has been completed. 

I appreciate your prompt attention to this matter and look forward to your response period stipulated by the FDCPA. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
There are fraudulent items on my credit report that I did not authorize or benefit from, and their presence is not only insulting but a violation of my rights. This situation has been deeply distressing, tarnishing my reputation and causing significant emotional strain. Despite filing a report with the Federal Trade Commission to address this matter, these fraudulent entries still persist on my credit report. Its disheartening that the very systems designed to protect consumers like me have failed to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
Nothing happened. They did not delete anything off. My report at my account is closed suspended.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have filed multiple fraud alerts to cashapp, and they never disputed them. 
Unauthorized purchases Taking money out of my account for no reason And taking money out of my account when I put money in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX DOB : XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX. 


Hello I recently received a response to a dispute case number XXXX ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my credit report I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 5 days of receipt of this letter, or I will expect to see the item in question immediately removed from my credit report. I will be reporting to CFPD of unlawfulness upon your un pardon disclosure and will be sued for further action that Im not satisfied with other then getting this off my report Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I amfiling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Customer Financial Protection Act ( CPFA ) .Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution 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 inconveniences and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NV

Complaint narrative:
Experian did not validate, verify nor inform me on the steps they take to investigate a claim

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cashapp ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violate 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 errors 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 2025-01-20 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: GA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this formal complaint against Experian regarding the inaccurate and misleading reporting of XXXX XXXX XXXX on my credit report. This was disputed three times with Experian and they have failed to address the specific request to provide method of verification per violation under the Fair Credit Reporting Act 15 USC Code 1681.

I requested method of verification and despite my formal disputes, Experian have maintained that the information is accurate but failure to perform a reasonable investigation which has caused harm to my creditworthiness and financial standing. 

I request that the CFPB investigate the following issue : This was first reported under company name of XXXX XXXX in XXXX of XXXX which has impacted my credit score to go from a XXXX to XXXX ( XXXX points decrease ). Then XXXX sold company to XXXX XXXX in XXXX and again impacting my credit score from a XXXX to XXXX ( XXXX points decrease ). The continued reporting of this inaccurate information has negatively impacted my credit score and financial opportunities. 

XXXX. Report XXXX XXXX with XXXX XX/XX/year>, Acct XXXX  XXXX dispute showed no explanation. ( disputed twice ) XXXX. Report # XXXX with XXXX XX/XX/year>, Acct XXXX XXXX, dispute stated information was verified but did not indicate method of verification I am seeking the immediate removal of this account from my credit reports and enforcement actions against the responsible parties. Thank you for your attention to this matter. I look forward to receiving a response confirming that this issue is being investigated and resolved.

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 2025-01-20 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:
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