vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent remove in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX BALANCED {$2800.00} XXXX  XXXX XXXX {$4800.00} XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXXXXXX BALANCED {$670.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXXXXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XX/XX/scrub>/2023 XXXX XXXX  XXXX/XXXX/2023 XXXX  XX/XX/year>2023 XXXX  XX/XX/year>2023 XXXXXXXX XXXXXXXX XXXX/XXXX/2023 XXXX XX/XX/scrub>XXXX/2023 JXXXX XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX  XX/XX/year>2023 XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX  XXXX/XXXX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: KS

Complaint narrative:
Hello, I'm really distressed because I have many months paying and in some I'm late because I don't want to pay anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXXXX/XX/XXXX XXXX/XXXX/2024 XX/XX/XXXX XX/XX/year>2024 XXXX XX/XX/XXXX XXXX/XXXX/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 non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 
XXXXXX/XX/XXXX XX/XX/scrub>/2024 XX/XX/XXXX XX/XX/year>2024 XXXXXX/XX/XXXXXX/XX/XXXXXXXX/XXXX/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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial 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 Funds Transfer Act ( EFTA ) and Regulations 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 2025-01-30 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: UT

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 2025-01-30 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:
I am submitting this formal statement regarding Experians failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, Experian has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

Experian continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy.

Disputed Account ( s ) : XX/XX/XXXX Texas/XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX to recent findings from the Consumer Financial Protection Bureau ( CFPB ), Experian has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as Experian has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), Experian is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute.

Experians failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If Experian does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA.

I demand that Experian immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-30 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: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful non-compliance of the credit bureaus and data furnishers in properly investigating my disputes. Based on, U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) This account in violation not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act. The list of accounts 15 USC 1681s-2 XXXX has continued to report inaccurate information after i provided notice of disputes. 

- Jefferson capital #XX/XX/XXXX# XXXX, XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful non-compliance of the credit bureaus and data furnishers in properly investigating my disputes. Based on, U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681 ( 5 ) This account in violation not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act. The list of accounts 15 USC 1681s-2 XXXX has continued to report inaccurate information after i provided notice of disputes. 

- XXXX XXXX # XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
XXXXXXXX XXXX data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.

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 2025-01-30 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:
XXXX XXXX data breach exposed my PII to companies and individuals which has adversely affected my ability to earn a living and secure my identity from further theft and fraud. There are late payments, false accounts and inaccurate information that need to be removed immediately to prevent further harm and to reinstate compliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
A detective called my phone in XX/XX/XXXX and said they was doing a follow up of a stolen car and insurance report. They said that the number or email on the case was disconnected so they had to look me up by my license number and my background information. I told them my car is not stolen and I never did an insurance claim, they asked me what kind of car I drive I told them and they told me to hold on. They told me verify my information and they said someone stole my information and must have got a car in my name. They told me they are looking into it and to check my credit report. I looked but a car wasnt there. I received a report in the mail a week later from a detective in California bc the car was on a be on the look out and I called them and they said they are working with the detectives in XXXX already. Since I didnt see it on my credit report I took it as maybe its mistaken. I checked my credit report XX/XX/XXXX and see the car and several accounts are open from on my credit profile. I called every account they said that they used my id number but the picture I sent of me is not on the id and the social security number is not the one I provided. So Im confused why are they putting it on my social security. I filed a ftc and a police report. This is just a nightmare bc now my credit has so many reporting accounts and addresses and its ruining my life and I have a freeze on my account so I dont know how this happened

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 2025-01-30 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the blocking of fraudulent information on my credit report pursuant to 15 U.S. Code 1681c2 ( Section 605B of the Fair Credit Reporting Act ). I am the victim of identity theft, and the following accounts appearing on my credit report were opened or reported without my authorization : Fraudulent Accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX I have attached the necessary supporting documents to this letter, including : A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) through IdentityTheft.gov.

A copy of my government-issued identification ( Drivers License ).

Proof of my current address ( Utility Bill or Mortgage Statement ).

In accordance with FCRA 605B, I request that the above accounts be permanently blocked from appearing on my credit report. This action will prevent these inaccurate and fraudulent entries from negatively affecting my creditworthiness. 

Please acknowledge receipt of this letter and let me know if you require any additional information. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
citibank froze my account without a reason and caused me major inconvenience. i requested and was told a " supervisor '' would call me back 3 times and i never got a call. they held my funds hostage when i needed them and caused severe consequences. their customer service in the XXXX  is horrible.

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 2025-01-30 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-01-30 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: TX

Complaint narrative:
XXXX reported my payments 30-60 days late before it was even possible for me to be that late. Like reporting me 60 days late in XXXX when every payment through XXXX was paid prior to XX/XX/XXXX. This is after they promised me that no late payments would be reported during a XXXX natural disaster that XXXX approved me for & told me not to make any payments. When I contacted XXXX, but they keep sending some nonsense letter that withholds what they promised & blatant lies. Theyve sold my account to XXXX XXXX & will be finalized in XXXX. So, when I call XXXX tells me that theyre understaffed & unable to assist me, & for me to ask XXXX XXXX XXXX fix XXXX mistakes. Its just INSANE! Their disregard towards my account & me is hurtful & unethical. I just want my credit fixed. They at least could do that after everything theyve put me through!

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 2025-01-30 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:
My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i received my credit report and noticed inaccurate information and I have provided all inaccurate accounts highlighted on attachment

Company response to consumer: Closed with explanation