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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All XXXX credit bureaus failed to resolve consumer disputes, not ensuring accuracy of credit reports.

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: MD

Complaint narrative:
I sent a payment to someone using Zelle and they said there account was glitching and they weren't able to accept it. They were not able to send it back to me and I was unable to cancel it, so that money is just gone.

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: Wrong amount charged or received — 
Company: Block, Inc.
State: TX

Complaint narrative:
From XXXX to XXXX numerous unauthorized transactions was withdrawn from my account I never received any refund only email it would be investigated. Or complaint not answer at all. I was running a business and payment was accepted through cashapp. I just stop accepting it because I couldn't get issues resolved

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: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX 
on XX/XX/XXXX with a balance of {$2000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 service problem — 
Company: Block, Inc.
State: VT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
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: IN

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 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, Experian '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I want removed, 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I filed for XXXX XXXX XXXX in XX/XX/year> and listed the XXXX XXXX and assumed it was XXXX. I even checked the XXXX website and my account was blocked. I could get zero information In 2.5 years I didnt hear or read a word from them. No statements nothing. So this whole time I am assuming the HELOC was like a cc and discharged. Not even on my credit report. Then yesterday I get a Notice of Default with an intent to sell. So I freak out. Call the number on the notice told I have to call Alliant credit union - I do that and speak to loss mitigation. Explained and told I was sent letters that I never got. No emails. No calls. And they say its out of their hands. So no notice. My on line account is blocked. Not on my credit report and Im given the run around. And they are going to sell my house becz I owe $ XXXX dollars. Im suspecting fraud. Collusion. Lack following the federal and state laws. Failure to provide proper notice. How about a certified letter? They sent letters. Prove it. Why no statements? Why block my on line account? Im current on my mortgage taxes and insurance. Im suing for punitive damages. And discharging the debt. Suing both the XXXX XXXX XXXX and XXXX and XXXX. XXXX XXXX XXXX  and a permanent injunction. XXXX years. No word from them. Why? Thats waiver. XXXX. Failure to

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
i have tried several times to explain why the accounts listed need to be removed ( they were paid by insurance or i paid them off directly ) and nothing was ever done.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
i have tried several times to explain why the accounts listed need to be removed ( they were paid by insurance or i paid them off directly ) and nothing was ever done.

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

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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX

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

Complaint narrative:
I am writing to dispute the reporting of several accounts on my credit report. Despite previous disputes, EQUIFAX, XXXX, XXXX failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received any detailed disclosures about the reinvestigation process or outcomes. These deficiencies constitute violations of federal law, and I demand immediate resolution. 

Disputed Accounts Accounts Reported by XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX in : Balance : {$1200.00} Issue : Inaccurate payment history and credit usage, unresolved despite prior disputes. 
XXXX Account Ending in : Balance : {$250.00} Issue : Incorrect reporting of late payments for XX/XX/year>. 
XXXX XXXX  XXXX Account Ending in : Balance : {$330.00} Issue : Overreported credit usage at 110 %, without proper investigation. 
XXXX XXXX XXXX ( XXXX ) XXXX : {$110.00} Issue : XXXX account inaccurately reported, with no adequate reinvestigation. 
Accounts Reported by XXXX XXXX XXXX XXXX  XXXX Account Ending in : Balance : {$1200.00} Issue : Payment inaccuracies unresolved despite disputes. 
XXXX  Account Ending in : XXXX : {$250.00} Issue : Reported late payment details are inaccurate and unverified. 
XXXX XXXX  Account XXXX in : Balance : {$2600.00} Issue : Incorrect " 30 Days Past Due '' reporting, unresolved after disputes. 
XXXX XXXX : {$110.00} Issue : Collection account errors with no proper resolution. 
Ally Financial Account Ending in : Balance : {$29000.00} Issue : Incorrectly marked as " Charged Off as Bad Debt, '' with inaccurate payment and status history. 
FCRA Violations The following provisions of the FCRA were violated : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving my disputes.

15 U.S.C. 1681e ( b ) : Failure to maintain procedures to ensure maximum possible accuracy in consumer reports. 
15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide proper disclosures regarding the reinvestigation results. 
Requested Actions Reinvestigate all listed accounts and provide a detailed summary of the findings. 
Remove or correct any inaccurate or unverifiable information from my credit report. 
Provide written confirmation of changes made to my credit report within 30 days. 
Enclosures Highlighted copies of my credit reports from XXXX and XXXX showing the disputed accounts. 
Supporting documentation, including prior dispute letters and evidence of inaccuracies. 
If this matter is not resolved within the required timeframe, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies under the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hello! In XX/XX/2024, I opened an online savings account with Marcus by Goldman Sachs ( XXXX XXXX XXXXXXXX ). I funded the savings account with {$2000.00}. A couple of months later, without any warning, I received a letter saying that my account was closed. There was no explanation whatsoever as to why the account was closed. More critically, the money in the account was gone ; Marcus has not returned my initial deposit or the accrued interest. I called the bank several times over the past several months, but they have not given me any answers. They're not telling me why the account was closed without my authorization, and they're refusing to return the funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OK

Complaint narrative:
On XXXX XXXX. I received a notification that {$300.00} was taking out of my cash app account and as soon as I was making a complaint to dispute it with cash app another transaction came, and said that {$500.00} was taken out of my account. I made a complaint and asked to be refund because it wasnt authorized and cash app told me to just sent a refund request back to the the person and see if they give me my money back and that it wasn't anything else they could do about it. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I sent a letter to the company explaining that I was a XXXX XXXX XXXX XXXX in XXXX, which forced me to take on debt in my name. Before this, I always paid on time and had no late payments. I asked if the company could help by waiving the balance that wasnt truly my responsibility and fixing the credit reporting for the account. I have not heard anything back from the company.

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 card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I went to a jewelry store and took out a loan that was supposed to be paid off in two years. However, nearly five years later, Im still making payments, and the balance doesnt seem to decrease. It feels like Im just paying indefinitely. The store originally told me the balance would reduce as expected, but instead, they appear to have increased the interest rates, making it impossible to pay off. 

I contacted a credit reporting agency, and they informed me that my balance should be XXXX. They claimed to have fixed the issue, but the creditors continue to send me bills. After receiving confirmation from the credit bureau that the balance was resolved, I followed up with them when the bills persisted. Unfortunately, the credit bureau reversed their stance and now claims I owe the balance, which is incorrect. As a result, Im still being forced to make payments on this account.

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: FL

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 2025-01-24 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: IL

Complaint narrative:
Opened XX/XX/year> XXXX XXXX In accordance with the fair credit act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Capital One XXXX, Has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section it also states a customer 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt that Portfolio Recovery Associates claims I owe, associated with account number [ Account Number ], which I understand is being reported to credit bureaus as a collection account. I request that you investigate this debt and provide the necessary verification under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I dispute the following : 1. The amount of the debt.

2. The origin of the debt.

3. The validity of the debt in general. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with written proof of the debt, including but not limited to : A copy of the original signed agreement or contract. 
A statement of the full amount owed, including any interest or fees added to the original debt. 
Documentation that shows Portfolio Recovery Associates is authorized to collect on this debt. 

Until the debt is validated, I request that you cease all collection activities, including reporting this account to the credit bureaus, as required by law. Please note that any further attempt to collect this debt without proper verification may constitute a violation of the FDCPA. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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