vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution 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 explanation
Consumer complaint received 2025-02-06 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: WA

Complaint narrative:
I'm writing to dispute the fraudulent accounts on my XXXX credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). These accounts were reported as charge offs : XXXX XXXX {$4700.00} no response XXXX XXXX XXXX $ XXXX response XXXX XXXX XXXX XXXXXXXX no responsXXXX XXXX XXXX XXXX XXXXXXXX response, XXXXXXXX XXXX XXXX XXXXXXXX, no response and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXXXXXX XXXX  XXXX no response Furthermore as for Law 605B, these fraudulent accounts should be eliminated from my credit report. I request that these items be removed in 30 days of this letter as mandated by FCRA.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I paid the full account amount off on XX/XX/XXXX for the full payoff of {$1000.00} then locked the card knowing it was fully paid off. There was a fee charged on XX/XX/XXXX for {$35.00} but that was never included into the total payoff balance when I hit pay off current balance. I was never notified of the fee and only noticed the charge once it was delinquent on my credit score. I paid it in full when I was made aware of the unpaid fee. I disputed the fact that I paid in full and multiple times I was told there was nothing they could do. This has had a massive effect on my credit score. XXXX points.

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 2025-02-05 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:
I am writing to file a complaint regarding an issue with Equifax and XXXX, which has caused significant stress and concern about my personal information. 

In XXXX, I received an alert from XXXX notifying me that my personal data was found on the Dark Web. However, when I tried to access my credit reports in XX/XX/XXXX, XXXX informed me that I could not access my reports from all three credit bureaus because Equifax had no record of my credit history. 

I then reached out to Equifax directly to confirm the information on file. After visiting the Equifax data breach website and entering my personal details, I was informed that my information had been compromised in the breach. Despite this, I did not receive any prior communication from Equifax informing me of the breach or the potential risks to my data. 

This lack of notification and the subsequent difficulty in accessing my credit information has caused significant distress. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by both Equifax and XXXX, as I have not been provided with the necessary consumer protection or information regarding credit profile. 

I am requesting assistance in addressing these concerns and ensuring that my rights are properly upheld. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
On XX/XX/XXXX I sent my friend a dollar on cashapp XXXX minutes later I was charged XXXX separate times by cashapp for the amounts of XXXX and XXXX for a total of XXXX dollars and it said I sent him that money but he never received it when I didn't authorize those transactions I've tried to dispute the transactions but cashapp has refused to give me my money back Ive done several disputes their reasoning is because oh it came from your phone you had to authorize it Below attached is the transaction history with said friend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XX/XX/year> $ XXXX total of {$600.00} debited from my checking account through ZELLE with unknown person took off unauthorized money transfer. Already ask XXXX XXXX Bank to refund it but they denied because of ZELLE didn't accept it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WI

Complaint narrative:
I am filing a compiaint against TransUnion for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently states 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, TransUnion '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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX : {$1800.00}

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 2025-02-06 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:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a XXXX  complaint against Bank of America on XX/XX/XXXX. I received an email from a XXXX XXXX on XX/XX/XXXX at Bank of America XXXX XXXX. The contact information for XXXX provided in the email was invalid and I was unable to reach XXXX nor any other representative in the XXXX XXXX department. I also attempted to respond to XXXX by email but never heard back. 

I am filing a complaint against Bank of America because my XXXX has not received XXXX bill pay checks that were paid in XXXX. I had spoken to a bill pay supervisor named XXXX XXXX on XXXX XXXX, who had filed a case ( number XXXX ). As of today, I have not received a response from either Bank of America or the XXXX. I had already confirmed the mailing address is correct but I am not sure what had happened to the XXXX checks and they were not cashed by the void date. Please see attached emails and mail from Bank of America.

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 2025-02-06 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: CO

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX - {$140.00} XXXX  XXXX - XXXX - {$2100.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-06 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: WA

Complaint narrative:
I'm writing to dispute the fraudelent accounts on my Experian credit report, which I believe violate several provisions of the FAIR CREDIT REPORTING ACT ( FCRA ). An account reported as charge off : XXXXXXXX XXXX XXXX XXXXXXXX, and collect accounts : XXXX XXXX XXXX  {$650.00} XXXX {$240.00}

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 2025-02-06 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-05 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: PA

Complaint narrative:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC XXXXg, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

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 significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

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 explanation
Consumer complaint received 2025-02-06 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: Nelnet, Inc.
State: IL

Complaint narrative:
This is the same ongoing complaint as my last XXXX that they have closed without resolving, and the same as the XXXX complaints I've filed with the Department of Education. My online portal does not properly show all of my loans and details. The payment amount due that I am given is for less than what they see on their side. I authorized monthly payment amounts of {$200.00}. They provided this document to me. They continue to take out more money than is authorized., between {$270.00} and {$310.00}. The number has changed over the last XXXX months. They have never provided answers on how their systems allow this to happen and refuse to resolve it without me taking off autopay, which will charge me more in the long run because I will lose the interest deduction. They are also misapplying my loan payments. After my previous complaint, they recalculated the previous payments and reallocated them correctly. They did nothing to resolve the underlying issues with my due date advancing when I requested it not to be, the unauthorized overcharges, or the missing account details. Because of this, the issue has reoccurred, and I need this month 's payment reallocated as well. I need the underlying issues fixed so I don't need to keep contacting them dozens of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: SC

Complaint narrative:
I am writing to express my outrage and extreme disappointment regarding the recent data breach that compromised my personal information due to your companys negligence. It is absolutely unacceptable that an organization entrusted with safeguarding sensitive data has failed so miserably in its responsibilities. The breach of my personal information is not only an invasion of my privacy but also a serious security risk that could have lasting consequences. 

Your failure to implement and maintain adequate security measures has placed me and countless others in jeopardy. Because of this breach, my personal and financial security are now at risk, and I demand immediate action to rectify this gross violation of trust. 

As a victim of your incompetence, I expect the following actions to be taken without delay : A Full Explanation I demand a detailed account of how and why this breach occurred, including when you became aware of it and why your security measures failed to protect my information. 

Compensation for Damages If I suffer any financial losses, identity theft, or other consequences as a result of your data breach, I will hold your company fully liable and pursue all available legal remedies. 

Immediate Security Improvements I expect immediate action to ensure that no further breaches occur, including specific details on how you plan to improve your security infrastructure. 

Credit Monitoring and Identity Protection As a direct consequence of your failure, I demand that you provide me with at least XXXX  years of credit monitoring and identity theft protection services at no cost to me. 

Your companys failure to safeguard my personal information has caused unnecessary stress and concern, and I will not tolerate inaction or half-hearted responses. If I do not receive a satisfactory resolution to this matter within 14 days, I will escalate my complaint to regulatory authorities, consider legal action, and publicly expose your companys negligence. 

I expect an immediate response addressing my concerns in full. Do not underestimate the seriousness of this situation.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 measure 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 2025-02-05 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: WI

Complaint narrative:
I Am filing a Complaint against Experian for failing to properly investigate my Disputes regarding inaccuracies in my credit report. Despite my submissions, Experian Constantly responding within 24 hrs 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, Experian actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nessary proof of investigation. the accounts I reported are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WI

Complaint narrative:
I Am filing a Complaint against Experian for failing to properly investigate my Disputes regarding inaccuracies in my credit report. Despite my submissions, Experian Constantly responding within 24 hrs 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, Experian actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the nessary proof of investigation. the accounts I reported are as follows 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