vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit report is posting an inaccurate address on my file that has reports and inquiries that may be attached to my credit file, inquiries, reports and charges that are questionable. My credit report also states that my current address I live at is my former resident address and that my current address is a previous resident address. My credit report is showing an address that I haven't lived at in over 4 years that shows i lived there formerly in XX/XX/year> 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I went to Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to a representative named XXXX. I presented a cashier 's check drawn from my mother 's Wells Fargo account in New Jersey. The cashier check was dated XX/XX/XXXX. XXXX indicated that the check may have been escheated due to the time period. He said that he would contact me by XX/XX/XXXX with more information. 
I received call from XXXX prior to XX/XX/XXXX. He said that the cashier check was no longer in the Wells Fargo system and that I'd have to research if the funds were sent to the state. I asked XXXX if he would check with upper management to see if there was any more detail and/or information that could be provided about the Wells Fargo cashier check for me to have a better starting point to begin the search. XXXX insisted that there was not, but eventually agreed to check with upper management, someone who may have more experience than he did.

I was place on hold for a very long period while waiting for XXXXXXXX XXXX response. When XXXX returned to the telephone, he indicated that the upper management response was the same as the response that he gave me. I asked XXXX for the name of the person that he spoke to. After several back-and-forth exchanges, XXXX admitted that he did not speak to anyone else. He simply left me on an extended hold, and returned to the telephone to lie about speaking to upper management. 
Given the faith and trust that we place in our financial institutions, deceitful and unethical behavior is unacceptable.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc
State: GA

Complaint narrative:
I noticed that Chime was on my credit report saying I had a credit card that never help my credit nor did I receive. Its fraudulent and I want it removed from my credit

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: 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 of 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 back of accountability and transparency is unacceptable and ready to serious concerns about consumer 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: 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:
These account were never investigated or removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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 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: NC

Complaint narrative:
Experian has failed to fulfill 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 account unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law any my rights as a consumer.

These are the ACCOUNT I have requested to be investigated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: CA

Complaint narrative:
I recently checked my consumer reports, and I noticed some accounts, late payments, addresses and inquires posted on my credit reports. In accordance with the fair credit reporting act TRANSUNION has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNTS, ADDRESES AND INQUIRES IN QUESTION LIST BELOW. 15 U.S.C 1681SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An 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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681s 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TOA CONSUMER TO ANY CUNSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX XXXX XXXXXXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX ACCT # XXXX BALANCE = XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX  Please remove any names that are not 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
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit report is posting an inaccurate address on my file that has reports and inquiries that may be attached to my credit file, inquiries, reports and charges that are questionable.

My credit report also states that my current address I live at is my former resident address and that my current address is a previous resident address.

My credit report is showing an address that I haven't lived at in over 4 years that shows i lived there formerly in XX/XX/2024 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 2025-01-20 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: Early Warning Services, LLC
State: CA

Complaint narrative:
This complaint is not sent in error and requires your immediate attention. My credit report contains mixed information, with accounts, transactions, and items that are not mine repeatedly appearing. This ongoing issue is extremely distressing and causing significant XXXX as it unfairly impacts my financial standing.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. XXXX, which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. XXXX which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. XXXX which appears on my credit report, does not relate to any accounts that Ive had nor any transactions that Ive made.Im being accused for having a balance of over {$19000.00} for a vehicle Ive never had. This is a result of identity theft Please block this information from my credit report, Persuant to section 605B of Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

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: FL

Complaint narrative:
I am filling a complaint against CashApp due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act. CashApp failed to make timely and effective measures to prevent and address fraud making my account vulnerable and unprotected. Their resolution process was unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
complaining regarding the deceptive practices related to their capital one credit card accounts I called my credit card company to explain my current financial hardship, hoping they might be able to work with me on a solution that would allow me to continue making payments and maintain good standing with them. I laid out my situation and asked if they could offer any assistance, such as a lower payment plan or temporary relief. Unfortunately, their response was not what I had hoped for. They told me they couldnt provide any support and that I would need to figure something out on my own. Despite my efforts to communicate my challenges, they were unwilling to help, leaving me feeling unsupported during a difficult time, I have called multiple times trying to work something out with them and im being denied.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing TransUnion to dispute certain credit inquiries and accounts listed on my credit report, as I believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days if tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft Report ( XXXX ) as evidence that my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) The unauthorized credit inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These inquiries and accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these disputed inquiries and remove them from my credit report

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
Lexington law XXXX XXXX last four of social XXXX. Services that were promised didnt reflect on my credit.

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 — Account information incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I am requesting a 1099c form for this charged off debt!

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: OR

Complaint narrative:
Identity theft has severely impacted my credit report, with unauthorized accounts appearing without my written consent or signature. Having already contacted your organization about this issue, I am formally demanding the immediate removal and blocking of these fraudulent accounts from my report. These unauthorized entries have not only caused me significant emotional distress but have also created substantial financial hardship by preventing me from achieving crucial life goals like homeownership and properly providing for my family 's needs.

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: TX

Complaint narrative:
They never let you get money back if someone scammed you they have no back up to help you like a regular bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: FL

Complaint narrative:
XXXX has suddenly decided to switch our bank accounts with them that we as contractors get our daily payout on ( DasherDirect ) to the XXXX XXXX. I have been attempting to apply for over a month now. There is a problem with their AI in the way that it reads my address and my application keeps getting rejected and they are totally negligent in getting a human being to do the manual approval of my application which I am entitled to. I have put them on notice that I am contacting you as it is fraud to hold somebodys money that you are the contract with when you have already been providing it.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting to formally notify the Consumer Financial Protection Bureau ( CFPB ) of Equifax continued non-compliance with consumer protection laws and to request immediate intervention to ensure adherence to these laws. 

I have encountered multiple issues with Equifax that I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other related regulations designed to protect consumers. Despite my best efforts to resolve these issues through direct communication with Equifax, I have not received a satisfactory resolution, nor have they taken appropriate corrective actions.

The specific issues I am experiencing include, but are not limited to : Inaccurate reporting of my credit information, including outdated or incorrect items on my credit report with Navy Federal Credit Union. I demand to see verifiable proof of an original consumer contract with my wet signature on it that they have on file for the account listed on my credit report. Failure to investigate a dispute I filed, as required by law. As required by the FCRA, Equifax is obligated to ensure the accuracy and completeness of the information in its reports and to investigate any disputes within the legally defined timeframe. Equifax is not complying with their own policies within in 30 days to investigate, which has passed and I have not got any investigation status at all. My dispute letter was sent XX/XX/year>. Equifax 's failure to comply with these laws has caused me significant harm, including damage to my credit score and difficulty obtaining a car. 

I respectfully demand that the CFPB investigate this matter and take appropriate enforcement action to ensure that Equifax complies with all applicable consumer protection laws. I request that the CFPB promptly communicate with me regarding the status of this issue and any actions taken. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly and appropriately to address this non-compliance and protect consumers like myself from further harm.

Company response to consumer: Closed with explanation