vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: TN

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 explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
This morning, I noticed some incorrect accounts on my credit report, and I have no idea how they ended up there. I routinely review my credit report, but this time, there were unexpected discrepancies. I even tried refreshing the browser, thinking it might be a glitch, but the inaccurate accounts remained. Due to this problem, Im requesting a thorough review of the documents Ive sent to ensure that I dont have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report this morning, I noticed accounts that dont belong to me, and I dont know how they appeared. I check my credit report regularly, but this time there were errors I didnt expect. I even tried refreshing my browser, thinking it might be a glitch, but the errors stayed. Im requesting a detailed review of the documents I submitted so I can have peace of mind moving forward.

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 2025-01-28 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: TX

Complaint narrative:
I discovered some errors on my credit report today and have no clue why they are there. I regularly check my credit report, but this time, I saw inconsistencies that seemed to appear out of nowhere. To rule out a glitch, I refreshed the page, but the errors persisted. Im asking for the documents I submitted to be carefully reviewed so I can put this matter to rest.

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 2025-01-28 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
This stuck on stupid with inept chase bank employees is a flagrant issue. This is NOT the 1st time these clumsy idiots have blundered a fraud claim, and/or a flim-flam con game I reported!!!!!!!!! 1st this was a phony vehicle services contract over the phone, by a worthless company in california, many phony numbers and refusing to get accountable, call themselves vehicle XXXX and were purposely deceptive claiming they represent XXXX XXXX XXXX, they do NOT? IT is a scam, plus they have many malignant complaints. I reported this scam to some clumsy foreigner at chase, I could barely understand, obviously NOBODY competent at chase that knows what fraud means, Today these blundering idiots reversed this fraud claim gave this sham company my money and caused me a idiotic and rageful overdraft problem. Last time I reported a clumsy conniving scam one of the chase inept idiots said because I gave this criminal my debit card number that makes it okay to cheat me? Clumsy mis-managed bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle never gave a warning are a fraud and and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally dispute a transaction made on my Discover card regarding an order from XXXX. I ordered a XXXX XXXX jacket, but instead, I received a XXXX 's puffer jacket packaged in XXXX 's unique packaging. This error is not only shocking but also highly unacceptable. 
Transaction Details : Merchant : XXXX Order Date : XX/XX/XXXX Transaction Amount : {$2000.00} Upon discovering this grave mistake, I immediately contacted XXXX to rectify the situation. They acknowledged the error and provided a prepaid return label, which I used to send back the incorrect item. However, despite returning the item, I have not received a refund for the transaction. 
XXXX of Events : XXXX. Order Date : XX/XX/XXXX - XXXX a XXXX XXXX jacket. 
XXXX. Receipt of Incorrect Item : XX/XX/XXXX- Received a XXXX 's puffer jacket instead. 
XXXX. Contact with XXXX : XXXX XXXX XXXX XXXX XXXX the mistake. 
XXXX. Return Process : XX/XX/XXXX- Used the provided prepaid label to return the incorrect item. 
XXXX. Return Confirmation : XX/XX/XXXX - XXXX confirmed the receipt of the returned item. 
XXXX. Refund Status : To date, no refund has been issued. 
This situation is a clear violation of my consumer rights. According to Discovers XXXX XXXX XXXX, I should not be held responsible for charges resulting from merchant errors. Furthermore, under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute billing errors, including the receipt of incorrect goods, and to receive a prompt resolution. 
I demand immediate action to resolve this issue by crediting my account for the full amount of the transaction. I have fulfilled all necessary steps to return the incorrect item, and Nordstroms failure to process the refund is entirely their responsibility. 

Copy of the return shipping label and confirmation of the return delivery. ( XXXX : XXXX ) I have communicated with discover about the amount, but the strange thing is that after I provided sufficient evidence, discover actually refused to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OR

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding persistent issues with inaccurate information on my credit reports, as maintained by Equifax, XXXX, and XXXX. Despite submitting multiple disputes regarding the same erroneous items, accounts, and inquiries, these inaccuracies remain unresolved, negatively impacting my financial stability. 

The items in question include : XXXX. Student Loans : I have disputed XXXX separate student loans that were fully forgiven due to my status as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


XXXX. Accounts : Erroneous accounts with entities including XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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. Hard Inquiries : Over 60 unauthorized hard inquiries, which I have repeatedly disputed as the result of identity theft. 



To support my claims, I have submitted documentation, including : FTC Identity Theft Report Number : XXXX Data Breach Identity Restoration Number : XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., obligates credit reporting agencies to ensure the accuracy of consumer reports and to conduct thorough investigations of disputes. However, these agencies have failed to fulfill their statutory obligations, leaving me with unresolved disputes and recurring inaccuracies. This failure violates my rights under the FCRA and has caused significant financial and emotional harm. 

Furthermore, I draw your attention to recent enforcement actions by your office, such as the {$15.00} XXXX fine imposed on Equifax for failing to properly investigate disputes and reinserting deleted inaccuracies. My experience mirrors the practices cited in your findings, including : Ignoring consumer-submitted documentation, Reintroducing previously removed inaccuracies, and Issuing contradictory and confusing dispute results. 


These inaccuracies have had severe consequences, including hindering my ability to secure financial products and recover from the financial strain caused by identity theft. Despite my efforts to resolve these issues, I have been met with systemic failures by the credit reporting agencies, leaving me with no choice but to seek your intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When reviewing my credit report this morning, I saw inaccurate accounts listed, and Im unsure how they got there. I check my credit report regularly, but these discrepancies are completely unexpected. I even refreshed my browser, hoping it was a temporary error, but the accounts didnt disappear. Because of this, I am requesting a detailed review of the documents I provided to resolve the issue permanently.

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 2025-01-28 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: TX

Complaint narrative:
This morning, I discovered that my credit report contains inaccurate accounts, and I have no idea why. I regularly review my credit report, but this time, I noticed unexpected discrepancies. I even refreshed my browser to see if it might be a glitch, but the inaccuracies remained. As a result, I am requesting that the documents Ive submitted be carefully reviewed so I can avoid worrying about this issue in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
An unauthorized inquiry appeared on my credit report this morning, and I dont know how or why its there. I routinely check my report, but today there were unexplained discrepancies. I tried refreshing the page, thinking it might be a glitch, but nothing changed. I am incredibly frustrated and demand that the documents Ive provided be reviewed properly so I can feel secure about my credit report again.

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 2025-01-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: AR

Complaint narrative:
XXXX, XXXX and TransUnion is reporting account with XXXX XXXXXXXX XXXX XXXXXXXX. Here 's a draft for your CFPB complaint regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : **Company Information : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX **Complaint Details : ** I am writing to file a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX regarding an account that is still being reported on my credit report, despite the company being out of business. 

**Account Information : ** **Description of the Issue : ** 1. I have attempted to verify this account with the credit bureau, but they stated that they conducted an investigation and could not verify the account because the company is closed.

2. I sent a letter to the company requesting verification, but it was returned as undeliverable.

3. Despite these efforts, the account continues to be reported on my credit report, negatively impacting my credit score.

I believe this account should be deleted from my credit report due to the company 's closure and the lack of verification. I request that the CFPB investigate this matter and assist in ensuring that my credit report is accurate.

**Attachments : ** - [ List any documents you are attaching, such as the returned letter, credit report showing the account, etc. ] Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-28 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: AR

Complaint narrative:
XXXX, Equifax and XXXX is reporting account with XXXX XXXXXXXX XXXX XXXXXXXX. Here 's a draft for your CFPB complaint regarding the account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. : **Company Information : ** - Company Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX **Complaint Details : ** I am writing to file a complaint against XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that is still being reported on my credit report, despite the company being out of business.

**Account Information : ** **Description of the Issue : ** 1. I have attempted to verify this account with the credit bureau, but they stated that they conducted an investigation and could not verify the account because the company is closed.

2. I sent a letter to the company requesting verification, but it was returned as undeliverable.

3. Despite these efforts, the account continues to be reported on my credit report, negatively impacting my credit score. 

I believe this account should be deleted from my credit report due to the company 's closure and the lack of verification. I request that the CFPB investigate this matter and assist in ensuring that my credit report is accurate. 

**Attachments : ** - [ List any documents you are attaching, such as the returned letter, credit report showing the account, etc. ] Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MO

Complaint narrative:
This complaint is to formally address the failure to properly investigate my disputes regarding inaccuracies in my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 proceedings. These actions harm consumers by allowing inaccurate or unverifiable information to persist on their credit reports.

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 2025-01-28 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: MO

Complaint narrative:
This complaint is to formally address the failure to properly investigate my disputes regarding inaccuracies in my credit report. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 proceedings. These actions harm consumers by allowing inaccurate or unverifiable information to persist on their credit reports.

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 2025-01-28 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: TX

Complaint narrative:
This morning, I discovered some inaccurate accounts on my credit report, and I dont understand how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a technical glitch, but the errors remained. Because of this situation, I request a thorough review of the documents Ive submitted so I wont have to worry about this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 this violations.

Company response to consumer: Closed with explanation