vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is showing on my credit report that it is a charge off, that means that they wrote it off as a loss yet I never was given a 1099c to report it as income. That being said, I would like to know why it is still on my credit report, credit reports have to be accurate. I will be seeking statutory damages going forward.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is showing on my credit report that it is a charge off, that means that they wrote it off as a loss yet I never was given a 1099c to report it as income. That being said, I would like to know why it is still on my credit report, credit reports have to be accurate. I will be seeking statutory damages going forward.

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 2025-01-24 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: NC

Complaint narrative:
The account with XXXX XXXX XXXX is correctly listed as closed on my Equifax credit report but is inaccurately reported as open with another credit bureau. This inconsistency creates confusion and misrepresents my credit history. I am requesting that Equifax delete the account to prevent further discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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:
am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. There are the accounts XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
" According to FCRA section 605B it is illegal to report anything on my credit report without my permission.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
" According to FCRA section 605B it is illegal to report anything on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Under Title 15, Section 1637 of the Truth in Lending Act, creditors must provide clear disclosures for open-end consumer credit plans. This includes details on finance charges, billing cycles, and other essential terms. If you believe Capital One hasn't met these requirements, you can include this in your complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX XXXX XXXX XXXX SSN : XXXX To Whom It May Concern, I am submitting a complaint regarding Capital One 's handling of my credit account.

Specifically, I request a review of their decision to keep my account as closed-ended credit and seek to have it transitioned to open-ended credit. This change is essential for maintaining flexibility and access to credit. Under Title 15, Section 1637 of the Truth in Lending Act, creditors are required to provide clear disclosures for open-end consumer credit plans, including details on finance charges, billing cycles, and other essential terms. If Capital One has failed to meet these requirements, l urge a thorough investigation and appropriate corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
XXXX XXXXXX/XX/XXXX XXXX XXXX 2024XX/XX/XXXXXXXX 2024XX/XX/XXXX XX/XX/scrub> 2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
XXXX XXXXXX/XX/XXXXXXXX XXXX 2024XX/XX/XXXXL XXXX XX/XX/scrub> 2024 XX/XX/XXXX XX/XX/XXXX2024 2024

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 2025-01-24 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: IL

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 claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer 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 2025-01-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Tx XXXX XXXX The Business Involved :XX/XX/XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress.XX/XX/XXXX5 XX/XX/XXXX I sent a letter disputingXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distress.

XX/XX/XXXXXX/XX/XXXX I sent a letter disputingXX/XX/XXXXXX/XX/XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distress.

As a result of Experian 's non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future.

* I have been subjected to undue stress and financial hardship.

Furthermore, I request that these collection accounts to be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accountsXX/XX/XXXX XX/XX/XXXX Be removed within 15 to 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 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/year>2024, I purchased a 2024 XXXX XXXX XXXX ( brand new car ) through financing. I agreed on a total price of {$62000.00}, including taxes and fees, with XXXX XXXX ( General Manager ). However, during the signing process, XXXX XXXX ( Financial Services Manager ) had me sign documents on an XXXX, claiming the printer was out of order. The details were not visible at the time of signing, and later I discovered unauthorized charges added to my loan, including : XXXX XXXX XXXX - {$8400.00} XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX - {$650.00}XX/XX/XXXX- {$310.00} XXXX XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$990.00} XX/XX/XXXXXX/XX/XXXX - {$560.00} After making a down payment with my credit card, I realized that my total loan amount increased to {$75000.00}, far exceeding the agreed price. Despite multiple attempts to contact the dealership for a refund of {$14000.00}, which they promised, no action has been taken. My calls and emails to XXXX XXXX were ignored, and XXXX XXXX was unprofessional when I escalated the issue. They initially assured me that refund documents would be sent, but I have yet to receive them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act, to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, were Experian has neither corrected or removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action, as Experian 's, in action violates federal law and my rights as a consumer. 
This is a list of all disputed accounts : XX/XX/XXXX Bankruptcy XXXXXX/XX/XXXX ( 3 accounts XXXX XXXX XXXX (XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-01-24 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My dispute is for a fraudulent credit card showing on my credit report, which is affecting my credit score and is preventing me from getting a loan. The card was issued by XXXX XXXX. It was opened on XX/XX/scrub> 2024, shows a balance of {$12000.00} and its delinquent. I already disputed it with all three credit bureaus, but XXXX ask me to file a fraud report with you.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My dispute is for a fraudulent credit card showing on my credit report, which is affecting my credit score and is preventing me from getting a loan. The card was issued by XXXX XXXX. It was opened on XX/XX/scrub> 2024, shows a balance of {$12000.00} and its delinquent. I already disputed it with all three credit bureaus, but XXXX ask me to file a fraud report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My dispute is for a fraudulent credit card showing on my credit report, which is affecting my credit score and is preventing me from getting a loan. The card was issued by XXXX XXXX. It was opened on XX/XX/scrub> 2024, shows a balance of {$12000.00} and its delinquent. I already disputed it with all three credit bureaus, but Experian ask me to file a fraud report with you.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-24 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was XXXX  during the time these accounts were opened, I ask the credit bureau to remove from my credit upon giving them my release state papers to show when I was locked up they still have it reported on my credit. I also ask the credit card companies to remove it to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Both Shellpoint Loan Servicing and XXXX have agreed there is an obvious error reporting delinquencies in XXXX and XXXX of XXXX on a mortgage account that was PAID IN FULL in XXXX of XXXX. Both companies have ackknowledged it's an obvious error but both companies insist there is nothing more they can do ... Today I followed up with with XXXX using trouble report Reference Number XXXX, A case number that was provided from an earlier escalation to investigate on XX/XX/XXXX with a promise of resolution within XXXX hours ... Today XXXX, Agent ID XXXX told there is absolutely nothing more they are able to do and hung up on me when i asked to speak with a supervisor. 

I AM BEING DENIED A MORTGAGE LOAN AS THE DIRECT RESULT OF THIS NEGATIVE REPORTING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation