vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate By law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 


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 2025-01-16 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts 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 Experians inaction violates federal law and my rights as a consumer.

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 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I received a text message from Citi : asking to confirm a recently opened Citi Strata Premier Card. I had no knowledge of the credit card being opened. On XXXX XXXX, I can see the card with a fee of {$95.00} I call their fraud department and made a claim. I went on XXXX online and made a fraud claim. I was told to go on www.FTC.gov so I can file a complaint and download the documents then upload them to the XXXX website. The card has a monthly fee on it.

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 monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NM

Complaint narrative:
I had purchased through credit from Easy Pay Finance, tires from XXXX XXXX XXXX. Total principal was {$360.00}, Interest {$510.00}, for a total of {$890.00}. This purchase was made in early XXXX of XXXX. Final payment was made XX/XX/XXXX. On XX/XX/XXXX Easy pay claimed a balance of {$10.00} was needed. I paid with a different account which was returned unbeknownst to me. 
Fast forward to present. I received a bill from Easy Pay finance dated XX/XX/XXXX that says current payment due {$34.00}, past due balance {$0.00}, fees due {$10.00}, Total amount due {$44.00} due XX/XX/XXXX. On the remit stub the same total of {$44.00} due XX/XX/XXXX was printed I called Easy Pay assuming a " glitch ''. Unfortunately, I was told my balance was XXXX. " oh wait, I see, {$10.00} balance ''. I asked why the bill was for {$44.00} and was told that the letters come out automatically and I should just pay attention to the {$10.00} payment and disregard the XXXX separate places on the bill stating {$44.00}. I told them that I felt this was deceptive and how many people would just pay the {$44.00} that was NOT due. He said, but it's only {$10.00} due, deflecting my real question. 
Obviously this is a high interest loan situation that I had to accept as tires are necessary, however more than approximately 18 months have passed since I paid off this high interest account, and to receive this that had I assumed was correct at {$44.00}, and concerned of the potential negative impact on my credit score maybe would have paid. I did let the Easy Pay agent know that I would not pay the {$10.00} either.

How many citizens may be fraudulently billed and paid?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-16 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Complaint Against Experian for FCRA Violation Dear CFPB, I am writing to formally file a complaint against Experian, a credit reporting agency, for failing to accurately report my credit information and for not properly investigating my dispute as required by the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Experian reporting inaccuracies regarding the above-mentioned account. Despite providing supporting documentation and clear evidence that the reported information was incorrect, Experian has failed to conduct a thorough investigation or rectify the discrepancies in a timely manner.

The inaccuracies reported by Experian include [ briefly describe the inaccuracies, e.g., incorrect payment history, account status, etc. ]. As a result of these errors, my credit report does not accurately reflect my creditworthiness, which has negatively impacted my ability to secure credit.

Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of the information they report. Experian 's lack of action on my dispute constitutes a violation of my rights as a consumer.

In support of my complaint, I have attached the following documents : 1. A copy of my bank statement for the relevant period, showing my account activity.

2. A screenshot of my account, clearly reflecting a {$0.00} balance.

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,

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 2025-01-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
XXXX XX/XX/year> Lexington law firm took money out of my account and never helped me fixed my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handing 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 impossible. 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 scam. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was attempting to purchase an XXXX XXXX XXXX Account from an individual met on XXXX. The individual said he processed his orders through Zelle. I was told Zelle was secure and safe way to send money. His number on the Zelle account was ( XXXX ) XXXX. And the name he went by on XXXX was XXXX XXXX. This individual proceeded to ask me to send the money before receiving the email/password for the XXXX account and then proceeded to say he still did not receive the money and to send it again. I tried to report the fraud to the bank and ZELLE but was told the money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
On Friday XX/XX/year> I deposited a XXXX euro check into Associated Bank. I opened the account because they advertised that they could deposit foreign checks including in euros and convert them to dollars. 

They first said it would take XXXX business days. Then they said it would take XXXX weeks. then they said it would take XXXX weeks. Then they said they mailed the check to XXXX instead of XXXX and lost the package and didn't know where it was. Then they said it would take longer. Today, after XXXX weeks, they said they were XXXX weeks into a XXXX week fraud investigation. Then they said they never said that and I must have misheard. 

I asked to close my account and have the check returned and they refused to close the account and return the check. I asked what carrier they used to mail the check and for a tracking number and where they sent it and they refused to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding 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 claims adequately. They informed me that recovering lost funds was impossible and 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 2025-01-16 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: NV

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I tried to have fees removed and the bank refused to refund me any fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
RE : Social Security Number : XXXX XXXX XXXX Subject : Personal Information Update Request & Investigation of Potential Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the immediate removal of certain personal identifiable information from my credit report, which I have already requested XXXX times in writing, made XXXX phone calls about, and attempted several online submissions regarding. Furthermore, I have noticed discrepancies across my credit reports from XXXX, XXXX, and Equifax, which raise serious concerns regarding potential identity theft. 

As a consumer protected by federal law, I request the following actions to be taken to ensure the accuracy and privacy of my information : Full Legal Name : Please ensure my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update : I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address I request to be included is : XXXX XXXX XXXX XXXX XXXX XXXX I can not receive mail or any correspondence at these outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses listed. 
Phone Numbers : Please delete all phone numbers currently listed in my report. 
Social Security Number & Date of Birth : For privacy reasons, please remove my Social Security number and date of birth from being displayed on the credit report. 
Employer Information : Please delete all information currently listed under the " Employer '' section of my report.

Inconsistencies Across Credit Reports : Upon reviewing my credit reports from XXXX, XXXX, and Equifax, I have noticed the following inconsistencies : Account Number Discrepancies : The same account number appears differently across the XXXX bureaus, which is a serious inconsistency. This raises concerns about potential identity theft, as unauthorized individuals may be altering or misusing my information.

Payment Status Inconsistencies : There are discrepancies between the payment status reported by the bureaus. Inconsistent reporting can indicate errors or fraudulent activity, as it could reflect transactions that I did not authorize. 
Address Variations : The listed addresses across the XXXX credit bureaus do not match, which suggests that unauthorized individuals may be using my information at different addresses. This raises the possibility of fraudulent accounts or activities linked to my personal information.

Employer Information : There is inconsistent employer information across the reports, which may point to fraudulent attempts to link my identity to accounts I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Sending XXXX in my Wells Fargo account and it never had the confirming messages before. So when issues arrouse it wasnt out of my control

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 2025-01-16 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I am filing this complaint against XXXX, XXXX XXXX XXXX regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: LA

Complaint narrative:
I filed a dispute on My Account ( XXXX ) My Name Is XXXX XXXX. I have have XXXX hard inquiries and some things on my report that where not done by me. I would be more than happy for them to be removed Experian denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify the consumer dispute results. This Aligns well with my situation!! Experian has not attempted to remove, nor correct any information. 
Im requesting this derogatory remark to be removed and corrected immediately as its affecting chances of getting approved for a Home, Car, Phone, Furniture Etc. Experian violates my rights as a consumer as well as the 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 explanation
Consumer complaint received 2025-01-16 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proc 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