vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Heres a formal dispute letter you can use to address **Synchrony Bank** regarding incorrect delinquent reports on your credit file.

-- - **Synchrony Bank** XXXX c/o XXXX XXXX XXXX ] XXXX, fl XXXX **Subject : Urgent Dispute of Incorrect Delinquency Reports on My Account** To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my account with Synchrony Bank. Despite making my payments **in full and on time**, I have repeatedly noticed that my account has been **wrongfully marked delinquent**. I also opted to **settle the account properly**, yet these errors persist. 

This incorrect reporting is severely affecting my **livelihood**, causing undue hardship in my ability to secure financial stability. I have worked diligently to ensure my financial obligations are met, and I find it unacceptable that these errors continue to impact my credit standing. 

I am requesting that you **immediately investigate and correct** these discrepancies. Enclosed, I have included **proof of my timely payments**, which clearly show that these bills were settled **before the threshold time**. Given this evidence, I demand that all inaccurate late payments be **removed** from my credit report. 

Failure to rectify this matter promptly will leave me with no choice but to escalate my dispute to the **Consumer Financial Protection Bureau ( CFPB ) ** and other relevant authorities. I trust that you will take the necessary steps to resolve this issue swiftly and accurately. 

Please provide written confirmation of the corrections made to my credit report. If further information is needed, do not hesitate to contact me at or ** I appreciate your urgent attention to this matter. 



-- -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

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 theses transactions was not feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Deletion of XXXX XXXX Account XXXX XXXX XXXX : [ # XXXX ] {$620.00} Dear Experian, I am writing regarding a collection account that was previously deleted from my credit file but has now been reinserted without proper notice, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under the FCRA, if an item is reinserted into a consumers credit file, the CRA must : 1. Notify the consumer in writing within five business days of the reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ).

2. Verify the accuracy of the information and certify that the item complies with all FCRA requirements before reinserting it ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ). 
As I have not received any written notification of this reinsertion or evidence of verification, I demand the immediate deletion of this account from my credit file. Failure to provide proper notification of reinsertion or to verify the accuracy of the information is a violation of my rights under the FCRA. 
To facilitate the investigation, I have included the following documents : A copy of my government-issued ID ( drivers license or passport ) I request that you : 1. Delete the collection account immediately.

2. Send me written confirmation of the deletion.

3. Provide the name and contact information of the furnisher of the reinserted account if verification occurred.

If you fail to comply with my request, I will have no choice but pursue legal action to protect my rights. 
I expect a response within 30 days, as required under the FCRA. Please send all correspondence regarding this matter to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Charge-Off and Balance Discrepancy The account is reported as " charged off '' with a balance of {$4700.00} while also showing a " {$5000.00} written off. '' This discrepancy violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in reporting.

Incorrect Payment History The payment history inaccurately reflects multiple charge-offs and repossessions for XXXX and XXXX, despite the account already being closed. This misrepresentation negatively impacts my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm XXXX XXXX XXXX 's right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the the accounts are accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.SC S1681i, which mandates a responsible investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial ProtectionAct ( CFPA ) Which prohibited against similar voilations that has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: IDAHO CENTRAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year>, I discovered that XXXX XXXX XXXX XXXX applied force-placed insurance to my account. The charges were significantly higher than the standard rates for similar insurance policies. I was not provided with a reasonable explanation for the increase in premiums or adequate notice of the change before the insurance was applied. 
Specifically, I believe the following occurred : Lack of Notification : I did not receive any clear or timely notice that my existing insurance had lapsed or that force-placed insurance would be applied to my account. 
Inflated Premiums : The premium charged for the force-placed insurance was significantly higher than what I would have paid for a regular policy. I have verified this by obtaining quotes from other insurance providers, and the force-placed policy is 300 % higher than the standard cost of insurance and only covers the lender and does not cover me or other drivers Conflict of Interest : I have reason to believe that there may be a financial relationship between the lender/servicer and the insurance company, which may be contributing to the inflated premiums.

Resolution Sought : I request that the CFPB assist in investigating this issue and take appropriate action to : Ensure Transparency : Require Idaho central credit union to provide clear and timely notification of force-placed insurance charges and the reasons for the increased premiums. 

Investigate Possible Conflicts of Interest : Investigate the possibility that they may be receiving kickbacks or commissions from the insurance provider that are inflating the cost of insurance for consumers.

Cease Unfair Practices : I urge the CFPB to enforce protections against unfair and deceptive practices in force-placed insurance, ensuring that consumers are not unfairly burdened by high premiums or deceptive practices. Again I received no notifications, calls, voicemails or otherwise that would indicate to me that those fees were to be applied. 

Remove fees associated with this matter. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. If you need any additional information, please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: 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: PA

Complaint narrative:
I filed a dispute on ( XXXX XXXX XXXX ) Due to selected in your original dispute }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances s getting housing Experian violates my rights as a consumer, as well as federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my XXXX credit report. As provided for in XXXX XXXX XXXX ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fl XXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : CXXXX 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  ORIGINAL CREDITOR INQUIRIES : ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681c-2 ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report.

Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Way XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Dear Sir/Madam, I am writing to formally notify you that I am a victim of a data breach, and I request the deletion and blocking of the accounts listed below on my Experian credit report. As provided for in 15 USC 1681c-2 ( a ), I am entitled to request the blocking of any fraudulent accounts that result from such breaches. 
Please find the following details related to the breach : Full name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Date of birth : XX/XX/XXXX Social Security Number : XXXX Accounts affected by the breach : 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 XXXXXXXX XXXX XXXX XXXX CREDITOR INQUIRIES : ( Experian ) ( Experian ) ( XXXX ) ( Experian ) ( Experian ) ( Experian ) ( Experian ) ( XXXX ) Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX Acct : # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit Unions XX/XX/XXXX XXXX I ask that you block all fraudulent accounts that have been compromised or opened as a result of the breach, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681c-2 ( a ). I also request confirmation that these accounts have been deleted or blocked from my credit report. 
Please send me written confirmation of the actions taken within the required timeframe. 
Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process my request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) 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've marked as inaccurate : 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used cash app for business and between XXXX XXXX and cash app Ive had over a XXXX  of charges I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
So I bought a XXXX $ Visa/vanilla gift card at a XXXX and when i got home it said i had to activate it on the website but when i go to do so it gives me a error and wont work. After getting the error and checking the information it was not on my end so i called them to see if they could do anything but they said that there system didn't work and to call them back later. Then 2 days later i go to buy a XXXX $ AMEX card and i have the same issue and the same response from the worker. I bought the XXXX  on XX/XX/2025, and the amex on XX/XX/2025, and the cards are still not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Money was sent to Business Cash App but failed to transfer over twice. Contacted Cash App to obtain information. Ask them to contact me but could not get an actual person to call me. They would only do a chat. They said they could tell me who sent the money. Blamed the failure on my bank ( XXXX XXXX ). Called my bank- they said it not on my end. So Im still out of {$170.00} without any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian has failed to fulfill its 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 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 Experian 's 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