vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: NV

Complaint narrative:
Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened with a {$830.00} balance. To make matters worse on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NV

Complaint narrative:
Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXX a XXXX XXXX XXXX XXXX  was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XX/XX/XXXX a Collection Account by XXXX XXXX XXXX was opened with a {$830.00} balance. To make matters worse on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.

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 2025-01-19 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: CA

Complaint narrative:
Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing. I am writing to express my concerns in regard to my credit not being properly reported and updated. I am constantly filing disputes for things to be removed from my credit however no change within my old accounts that should have been updated and closed.

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 2025-01-19 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: MA

Complaint narrative:
I have disputed a collection account on my Experian credit report that is not my account. Company has not done proper investigation nor removed this account. The account listed is XXXXXXXX XXXX XXXX XXXX for the amount of {$710.00}. Disputed this XX/XX/year> and still not removed. According to FCRA section 605B, it is illegal to report information on my credit report without my permission. Please remove from my credit report immediately. Thank you.

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 2025-01-19 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: GA

Complaint narrative:
I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, 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 proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : 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 2025-01-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate. 

These accounts are not mine and were fraudulently opened as a result of the Equifax data breach that occurred in XXXX. 

As a victim of the breach, my personal information was compromised and used without my authorization to open these accounts. Despite my efforts to resolve this matter directly with Equifax, the company has inaccurately stated that these accounts are valid and have refused to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Years ago while using Zelle, I did not receive a disclaimer to double check who I was sending money to. When I sent money to someone and they stated they didnt receive it, Zelle/XXXX  said I could not get my funds back. Later on I realized it was a real estate company committing fraud because they knew there was not way I would get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MI

Complaint narrative:
I file a dispute in XX/XX/XXXX. My dispute did not help my credit. Exifax agreed to take off my inquiry and they did not do what was asked of them I been paying my money to this company and have not got any help. They just hurt my credit instead of helping my credit. Creditors will not give me a loan or financing because of exifax poor reporting. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: SC

Complaint narrative:
I was a victim of identity theft due to my information being leaked from a security breach.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally complain about the handling of my disputes by the three major credit reporting agencies : Experian, XXXX, and XXXX. I believe that these agencies have not conducted thorough and proper investigations into the disputes I have submitted, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

To provide some context, I have submitted multiple disputes regarding inaccuracies on my credit report across all three agencies. Despite following the necessary procedures and providing supporting documentation, I have received responses that lack detail and fail to address the specific inaccuracies I raised. This has caused significant confusion and distress, as well as potential harm to my credit score and financial well-being. 

Here are the key points regarding my situation : Responses Received : The responses I received from Experian, XXXX, and XXXX were inadequate, lacking the necessary investigation and not providing clarification or justification for the inaccuracies. 

Impact : The unresolved inaccuracies have adversely affected my credit score and my ability to obtain credit. This situation has caused me financial strain and emotional distress. 

I respectfully request that the CFPB investigate the practices of these credit reporting agencies concerning my disputes and ensure they adhere to the legal requirements for investigating consumer disputes. I believe it is vital for consumers like myself to receive fair and accurate credit reporting.

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.

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 2025-01-19 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: TN

Complaint narrative:
I recently checked my credit report and seen I had an unfamiliar charge on my account for a debt amount of {$1100.00} from XXXX. I was in XXXX  when this debt was created. I would like for it to be removed. Under The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates consumer reporting agencies ( CRAs ). The FCRA is found in Title 15 of the United States Code, starting at section 1681. Under 15 U.S. Code 1692 is part of the Fair Debt Collection Practices Act ( FDCPA ), which aims to prevent abusive debt collection practices. The FDCPA went into effect in XX/XX/1978. Under USC 1682 The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

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 2025-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
I was having an issue activating my cash app card so I called the number on XXXX they asked for my info and then took my account as well as my money that was on my account so then I contacted them on the internet cash app and they did nothing and told me there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Unverifiable Account from Credit Report Dear Sir/Madam , I am writing to formally request that the credit reporting agencies ( CRAs ) immediately remove the account listed as a charge-off from my credit report, which was reported by XXXX XXXX. This account has been deleted from my XXXX credit report following a dispute I filed and which was completed on XX/XX/year>. XXXX has verified that the account is no longer reported, and I am requesting that all other CRAs do the same, in accordance with the law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate, incomplete, or unverifiable. As XXXX has deleted this account due to its unverifiable nature, it stands that the other CRAs must also verify or delete the account. The FCRA mandates that credit reporting agencies conduct a reasonable investigation and only report accurate information. Since XXXX has determined that this account can not be verified and has deleted it, I am requesting the same be done by your agency. 

In addition, I would like to bring to your attention the following relevant consumer laws that protect me as a consumer : 1. **Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681** : The FCRA mandates that all information reported to credit reporting agencies must be accurate, complete, and verifiable. If an account is found to be unverifiable, it must be removed from the report.

2. **FCRA Section 1681i** : If any information on my credit report is found to be inaccurate or incomplete and can not be verified, it must be deleted within a reasonable period. 

3. **Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692** : This act protects consumers from unfair debt collection practices and ensures that only accurate information is reported and retained.

I am requesting that you review my file and remove the unverifiable account from my credit report within 30 days from the date of this letter. If this issue is not resolved in the prescribed time frame, I will not hesitate to pursue legal remedies available under the FCRA and FDCPA, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and seeking legal action for damages caused by the inaccurate reporting. 

Please provide me with written confirmation of the accounts removal from my credit report within 30 days. 

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

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 2025-01-19 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: TX

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/2025 Equifax Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute inaccuracy and incomplete information that I have discovered upon reviewing my credit report. 
It has come to my attention that there is a discrepancy within my consumer file pertaining to the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Equifax XXXX This discrepancy have raised significant concerns regarding the vital role of credit reporting agencies in ensuring that, The information furnished is fair, accurate, and complete. As per my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally requesting a thorough reinvestigation of the aforementioned accounts. 
Furthermore, I am requesting VERIFICATION and VALIDATION of the account listed above. It is imperative that you provide me with the name and title of the person who certified that these accounts have been VALIDATED and VERIFIED. 
If, upon thorough investigation, you are unable to VERIFY or VALIDATE the aforementioned accounts, I kindly request that, You promptly delete them from my credit report. I have also attached proof of deletion of this account from XXXX you must follow suite . 
I expect a timely response to this matter in accordance with the provisions outlined in the Fair Credit Reporting Act. 
Please acknowledge receipt of this dispute within 15 days and provide updates on the progress of the investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NY

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 & Reporting Discrepancies, My Financial Institution & Zelle Failed To Investigate My Claims Adequately. They Informed Me That Recovering Lost Funds Was Impossible And That Tracking These Transactions Were Unfeasible. The CFPBs Findings Indicate That Zelle Has Not Only Neglected To Protect Consumers But Has Also Allowed Repeat Offenders To Exploit The System, leaving Users Vulnerable To Scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. XXXX XXXX misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Savings Bank closed my account ending in XXXX on XX/XX/XXXX stating that the account had been overdrawn for too long, however the " overdrawn ' was only because the bank did to " lock '' the account. There is currently {$3500.00} in that account and even after over 20 calls over 3 months the bank will not release the funds or remove the fraud alert. They also will not tell me what the cause of the fraud is, I just get the runaround and get shuffled from one department to another spending hours on each call. USAA also can not document any transactions that would substantiate their claim of an " overdraft '' or fraud.

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