vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting and Failure to Correct Errors Complaint Details : In XXXX of XXXX  I sent a dispute letter to the Credit Reporting Agencies regarding inaccuracies on my credit report. Specifically, the dispute concerned late payments and charge-offs that were erroneously reported. I provided Experian, XXXX and XXXX with all necessary documentation and requested that these inaccuracies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). 

Experian, XXXX and XXXX responded to my dispute, claiming that the information was verified as accurate. However, they failed to provide sufficient evidence to substantiate their verification and did not conduct a thorough investigation as required by law. This response from the Reporting Agencies violates my rights under the FCRA, as they are required to take reasonable steps to ensure the accuracy of the information they report and to conduct a proper reinvestigation when a dispute is submitted. 

Due to Experians failure to correct these inaccuracies, I have suffered significant harm, including damage to my creditworthiness, loss of business opportunities, and XXXX XXXX As a result, I am seeking the following remedies : 1. Immediate removal or correction of the inaccurate information on my credit report.

2. Compensation for damages, including {$1000.00} per inaccuracy, as outlined under the FCRA for willful noncompliance.

3. A formal apology from Experian for their failure to comply with federal regulations.

Additionally, I am preparing to escalate this matter to litigation if Experian does not resolve this issue within 30-45 days. I believe that Experians failure to address these inaccuracies is a willful violation of the FCRA, and I am seeking appropriate legal remedies to ensure compliance and to protect 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 2025-01-21 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: FL

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$500.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$520.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX JPMCB CARD Account number XXXX Date opened XX/XX/XXXX Balance {$26000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} - Late/Open- Late dates XX/XX/XXXX - XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} -late closed 30 days

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 2025-01-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX said to you looks like fraud it has been for 8 years what I am now XXXX  because of all the credit bur and citi bank how do you close the case i did all the steps but that does bot help they ruin my credit before i could ever have credit I need someone to put this right they new it was fraud and did nothing help me please XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XX/XX/year> Dear XXXX XXXX, I am writing to you as a last resort, seeking your urgent assistance. My name is XXXX XXXX, and I have been facing overwhelming difficulties for the past 8 years. I need help, and I am reaching out to you because I believe you are my last hope. 

I am not asking for a handout, but I have been fighting Citibank and the three credit agencies over false information on my credit report for 8 years. 
Citibank has placed information on my credit, even though I am not a customer of theirs, causing my credit score to drop by XXXX XXXX 
As a result, I have never been able to establish or maintain my own credit. 
I followed all the rules and informed them that I could not buy a car or a home, and now I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We can no longer afford the lease, which is now up, and we have been asked to leave. 
My credit was breached, and I am now unable to finish building what weve started. 
Credit bureau information was leaked, and I am XXXX days away from losing what little I have left. 
I have written XXXX letters to Citibank and the credit bureaus just this year, and emailed XXXX XXXX and every member of my state government, but no action has been taken. 
For 8 years, I have been told by the government that I am a victim of fraud, but they simply close the case with no resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The conditions are unbearable. 
I have XXXX XXXX ( XXXX XXXX, and the cold environment has made me very sick. 
I can not be the only one facing this injustice. Citibank laughed when I asked for help. 
Please, XXXX XXXX, I need help and advice. This is my last resort. I am desperate, and I am asking you to take action to resolve this situation. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
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 2025-01-21 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 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 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle is misleading the customer. You send money the other party don't receive it. Nobody can never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 an address fraud when they are 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 Electric 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 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
Changed insurance companies a month before they were due. The company I switched to called them as well as I did to inform them of the switch. They paid the old insurance company. My insurance agent again called them, to which they informed them they had sent a check to them for my insurance. Here we are a month later and ever week calling the mortgage company as well as my agent calling nothings been paid. Last week my agent left me a message saying they told me they can not put a stop payment on the check for 45 days. Then said they told him to have me pay the insurance myself. I have an escrow, thats why it there to pay my insurance and taxes. My mortgage was with XXXX and it was great, then it was sold to SHELLPOINT and now insurance isnt getting paid, notices from state about taxes due. This is a lot of stress to deal with. Why have an escrow account I cant put that money in my bank and pay when due.

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
A credit card was opened in my name in Georgia, a state I have never resided in. Charges were ran up to {$5300.00} on a XXXX XXXX XXXX XXXX XXXX XXXX credit card and now XXXX XXXX XXXX, a debt collector, are trying to collect on a debt that I did not create

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at your earliest convenience. I have no connection to these accounts and did not approve them. Pursuant to XXXX XXXX, I request their removal within 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I got a XXXX XXXX card when I was XXXX XXXX XXXX and it still on my credit because they keep calling requesting money and thats been over 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XXXX decrease my credit score XXXX points my credit score was XXXX now at this went from good to fair XXXX very upset why they did that because company sercurity finance messing with my credit report information and score I disputed the negative account with security finance a loan company I didnt take a loan out with my permission thst why I file disputed company for fraudulent activity account that why XXXX probably let them decrease my credit score this so rude of both companies sercurity finance loans company and XXXX very unprofessional I know I been harmed ass a customer please resolved this issue and case this my complaint against XXXX decrease my credit score dropped XXXX points from XXXX to XXXX letting sercurity finance loans company from up here forthworth tx number is XXXX - XXXX - XXXX that sercurity finance number to reach out to them no longer have a loan account with them they interference my credit score making my credit good to fair stilll trying to make it go back bad and I trying to build it to keep it good to excellent know XXXX under lawsuits from u all company already my credit some was XXXX beginning of this year of this month they decrease my credit score couple days ago XXXX points taking away from my credit report score now at this moment XXXX want them to suffer whatctheyvdud experian and sercurity finance for fraudulent activity against a customer no longer have a loan account for sercurity finance someone else got the same name XXXX mine got me mistaken with that person name I know they goin respond back sercurity finance to tell lies that I have account thst loan account which I don't to make my credit go bad again such a disgrace very upset and disappointed please resolved this issue make them pay for what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
They have medical bill from hospital on my report and i had insurance and was covered from that visit and when I dispute it, immediately its resolved and remains 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violates the consumer Financial Protection Act.. Specifically, Cash App failed to take timely and effective measures to prevent and addressed fraud in their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with terror resolution requirements under the Electronic Funds Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I am 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
Account Number : [ XXXX ] The late payment in question is reported by [ EQUIFAX ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section XXXX XXXX XXXX XXXX XXXX XXXX XXXX which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXXXXXX XXXX XXXX, furnishers of information must report accurate details. The late payment reported does not reflect my true payment Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian decrease my credit score XXXX points my credit score was XXXX now at this went from good to fair XXXX very upset why they did that because company XXXX XXXX messing with my credit report information and score I disputed the negative account with XXXX XXXX a loan company I didnt take a loan out with my permission thst why I file disputed company for fraudulent activity account that why Experian probably let them decrease my credit score this so rude of both companies XXXX XXXX loans company and Experian very unprofessional I know I been harmed ass a customer please resolved this issue and case this my complaint against Experian decrease my credit score dropped XXXX points from XXXX to XXXX letting XXXX XXXX loans company from up here XXXX  tx number is XXXX - XXXX - XXXX that XXXX XXXX  number to reach out to them no longer have a loan account with them they interference my credit score making my credit good to fair stilll trying to make it go back bad and I trying to build it to keep it good to excellent know experian under lawsuits from u all company already my credit some was XXXX beginning of this year of this month they decrease my credit score couple days ago XXXX points taking away from my credit report score now at this moment XXXX want them to suffer whatctheyvdud experian and XXXX XXXX for fraudulent activity against a customer no longer have a loan account for XXXX XXXX  someone else got the same name asXXXX  mine got me mistaken with that person name I know they goin respond back XXXX XXXX to tell lies that I have account thst loan account which I don't to make my credit go bad again such a disgrace very upset and disappointed please resolved this issue make them pay for what they did.

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