vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
I already submitted information pertaining to my file held at Transunion and they have not provided me with proper verification which is in direct violation of the following codes. 15 U.S.C. 1681 ( General provisions ) 15 U.S.C. 1681i ( Dispute resolution and verification process ) 15 U.S.C. 1681s-2 ( Furnisher responsibilities ) according to the last complaint they said one account was unverified and the other was verified.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I already submitted information pertaining to my file held at Transunion and they have not provided me with proper verification which is in direct violation of the following codes. 15 U.S.C. 1681 ( General provisions ) 15 U.S.C. 1681i ( Dispute resolution and verification process ) 15 U.S.C. 1681s-2 ( Furnisher responsibilities ) according to the last complaint they said one account was unverified and the other was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie 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. 2025-CFPB-0002 ) 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. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - account was settled by bank XXXX debt consolidation program XX/XX/year>. Debt was settled for XXXX, not XXXX. Information was sold to this creditor. Payment was sent to XXXX prior to account shutting down due to company switching credit card service providers. 

XXXX. XXXX XXXX XXXX XXXX - Payment was settled XX/XX/year> XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
I have filed a dispute numerous times to delete these negative items due to identity theft off my credit report.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate address information on my credit report. Experian is reporting undeliverable addresses on my credit report despite my disputes and clear evidence that these addresses are incorrect. 

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must maintain procedures to ensure 'maximum possible accuracy ' of consumer information. I have disputed these undeliverable addresses with Experian and provided evidence that my current address ( which is listed as current on my credit report ) is the only address where I can receive mail.

Experian has refused to remove these inaccurate addresses and instead told me to take this up with furnishers. This response violates the FCRA 's 'reasonable investigation ' requirement under Section 611, which obligates Experian to conduct proper investigations of disputes. Experian can not shift their legal responsibility to investigate and correct inaccurate information onto me or the furnishers.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash App closed my account XXXX XXXX for no particular reason and held my money for months. When investigated reps said for gambling but I have never gambled XXXX XXXX XXXX. I asked for transactions and date that are considered gambling and was not given that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: KY

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 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 2025-02-02 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: PA

Complaint narrative:
there are multiple discrepancies on my credit report, stating that a payment has been made. All payments were made yet not applied to my mortgage account. The balances are incorrect. The payment dates are incorrect. The past due amounts are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there are multiple discrepancies on my credit report, stating that a payment has been made. All payments were made yet not applied to my mortgage account. The balances are incorrect. The payment dates are incorrect. The past due amounts are incorrect.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
there are multiple discrepancies on my credit report, stating that a payment has been made. All payments were made yet not applied to my mortgage account. The balances are incorrect. The payment dates are incorrect. The past due amounts are incorrect.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN -the ONLY CREDIT BUREAU EXHIBITING erroneous, inaccurate, incorrect information even after numerous requests for correction and deletion 1. XXXX XXXX #... ..Experian has my last 4 listed as XXXXWRONG! 
2. Reporting Addresses I never lived at... i never lived out of State of Illinois 3 Reporting alias names I have never used 4. Reporting my positive information such as 0 collections,0 bankruptcies abd number of adverse account inaccurately and as whsts hurting my account? 
Documentation attached. 

I have paid credit repair companies, sent letters, attempted calls disputed online and sent proof to have XXXX XXXX  Partial account # XXXX removed from my credit report..have had documentation sent on several occasions showing that this account was paid through XXXX XXXX XXXX... WHICH IS WITHIN THE CREDITORS AGENCY ... account in incorrect, inaccurate and paid.

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 2025-02-02 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 am writing to file a formal complaint against Experian concerning inaccuracies in my credit report. Despite my efforts to resolve these issues directly with Experian, the following problems persist : 1. **Incorrect Addresses** : My credit report lists addresses that are not associated with me. I have provided Experian with the correct information, yet the erroneous addresses remain. 

2. **Obsolete Accounts** : There are accounts on my report that are older than seven years, which should have been removed in accordance with the Fair Credit Reporting Act. Despite my disputes, these outdated accounts continue to appear. 

3. The Company is not sharing the methods that were used to confirm these addresses being reported. This is similar to other complaints i have seen reported where this type of information is not being reported with consumers.

4. The company will not allow me dispute addresses because of a " security risk '' but will not disclose what the security risk is. which is UNFAIR! How can I resolve an issue when they will not disclose the security issue.

These inaccuracies have adversely affected my credit standing and have not been corrected despite my direct communications with Experian. I am seeking your assistance to ensure that Experian complies with federal regulations by correcting these errors promptly. 

Thank you for your attention to this matter. 

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 2025-02-02 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-02 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: VA

Complaint narrative:
I have disputed the bankruptcies listed on my credit report a number of times. All credit bureaus claim it comes back verified as accurate. I have sent countless disputes letter demanding them to conduct a reasonable investigation they refuse. And send no information. The information related to bankruptcy they are reporting is related to identity theft. They are not conducting any investigations! If they truly conducted an investigation they could give me the source of the third party who is supposedly verifying this information. Sham investigations. My identity has been stolen and my information is being used that is not related to me! As well as the XXXX accounts listed that should have been removed. Dept of EducationXXXX have sent letters to bureaus about my accounts being removed due to the outdated information! They need to delete this information from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I have disputed the bankruptcies listed on my credit report a number of times. All credit bureaus claim it comes back verified as accurate. I have sent countless disputes letter demanding them to conduct a reasonable investigation they refuse. And send no information. The information related to bankruptcy they are reporting is related to identity theft. They are not conducting any investigations! If they truly conducted an investigation they could give me the source of the third party who is supposedly verifying this information. Sham investigations. My identity has been stolen and my information is being used that is not related to me! As well as the XXXX accounts listed that should have been removed. Dept of EducationXXXX have sent letters to bureaus about my accounts being removed due to the outdated information! They need to delete this information from my credit reports immediately!

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau, AllianceOne Receivables Management , Inc. 

Dear CFPB Representative and AllianceOne Compliance Team, I am writing to continue my dispute to the response from AllianceOne Receivables Management , Inc. regarding the company response on XX/XX/year>. The documentation provided does not meet the legal standards for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) because AllianceOne has failed to provide sufficient proof that they have the legal authority to collect this debt. 

Deficiencies in Debt Validation : 1. No Proof of Authority to Collect While AllianceOne claims the debt was assigned to them by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they have not provided any legally binding documentation proving their right to collect on behalf of the XXXX XXXX. 

2. No Chain of Assignment The response does not include a complete and unbroken chain of assignment from the original creditor ( XXXX XXXX ) to AllianceOne. Without this, there is no proof that AllianceOne legally owns or has been assigned this debt. 

3. No Forward Flow Agreement or Purchase Agreement AllianceOne has not provided a Forward Flow Agreement or similar contractual document demonstrating their authority to collect this specific debt.

A Forward Flow Agreement is critical because it outlines the terms under which accounts are transferred from the original creditor to a third-party collector. Without this document, AllianceOne has not proven their legal standing to collect on this debt.

Requested Actions : I demand that AllianceOne provide the missing documentation, including : A signed Forward Flow Agreement proving their authority to collect. 

A complete Chain of Assignment showing an unbroken transfer of ownership from the XXXX XXXX to AllianceOne. 

Until proper validation is provided, I request that all collection efforts remain on hold, and that AllianceOne cease all further communication with me I request that the CFPB continue investigating this matter, as AllianceOnes failure to provide proper validation may constitute a violation of the FDCPA under 15 U.S.C. 1692g ( b ).

I also request that the CFPB determine whether AllianceOne is engaging in deceptive debt collection practices by attempting to collect a debt without proving legal ownership or assignment.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XXXX  said it would take 2-4 days to transfer my funds to my bank account and they have yet to move my funds. Its been over a week now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My complaint is about cash app and having unauthorized purchases on my account that they say is authorized but I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: NC

Complaint narrative:
I am filing a formal complaint against Experian for improperly handling my credit dispute regarding late payment removals. I originally disputed the late payments on my [ specific account ] with Experian on XX/XX/year>. However, despite the 30-day investigation requirement under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian modified my dispute and reset the dispute date to XX/XX/year>, thereby unlawfully extending the investigation period. 

This modification is unlawful and deceptive for the following reasons : 1. Violation of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies ( CRAs ) must complete reinvestigations within 30 days from the original dispute date unless additional information is provided by the consumer. I did not submit any new information to warrant a reset of the dispute date. 
2. Violation of FCRA 15 U.S.C. 1681i ( a ) ( 3 ) ( A ) : CRAs can not delay or extend the dispute process by modifying the original dispute date. Experians actions unfairly prolong my dispute and prevent my credit report from being updated accurately in a timely manner.

3. Violation of FCRA 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy in consumer reports. XXXX has already removed the late payments, yet Experian continues to report outdated and incorrect information, showing their lack of adherence to accuracy standards. 
4. Unfair and Deceptive Practices ( UDAP ) Violation : By misleadingly altering my dispute date, Experian engages in deceptive business practices under 15 U.S.C. 45 ( a ) ( Federal Trade Commission Act ), which prohibits unfair or deceptive acts affecting commerce.

Relief Requested : I demand the following corrective actions : 1. Immediate correction of my credit report to remove the disputed late payments, aligning with XXXX findings. 
2. Reinstatement of my original dispute date of XX/XX/year>, to ensure compliance with the 30-day investigation limit. 
3. Investigation into Experians dispute-handling practices to prevent similar violations for other consumers. 

Please acknowledge receipt of this complaint and inform me of the next steps. If this issue is not promptly resolved, I will consider further action, including escalation to the Federal Trade Commission ( FTC ) and potential legal remedies. 

Thank you for your time and 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