vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I currently possess a timeshare that is unfortunately reflecting as a repossession on my credit report. In an attempt to rectify the situation, I reached out to a representative from the timeshare company. They informed me that they are unable to accept any payments towards the timeshare account, which carries a substantial balance of nearly {$XXXX}. This includes around {$XXXX} that is currently past due. 
To complicate matters further, the representative claimed that the account had been canceled, suggesting that it is as if it never existed at all. Consequently, they stated that I do not owe any money. 
It was disheartening to learn that there seems to be no one available for me to speak with regarding this issue. I am unable to determine the total amount owed or make payments in an effort to bring the account current. Additionally, there appears to be no avenue for discussing the removal of this negative item from my credit report. They also mentioned that since I supposedly do not owe any money, they are unwilling to provide any form of written confirmation regarding my account status. 
At this juncture, I find myself uncertain about how to proceed or resolve this perplexing situation.

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 2025-01-27 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: UT

Complaint narrative:
XXXX XXXX XXXX is a debt collection agency. I did not do business with this company. XXXX XXXX XXXX did not validate debt before being placed on my credit report I asked Equifax to provide me a copy of the debt validation in previous complaint but never received one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBSs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
Experian added an account that was used in identify theft I disputed this account because it was identify theft. They deleted the account and then added it back.

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 2025-01-27 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: SC

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud 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 Resolution Act ( EFRA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX store-i felt as though I was scammedXXXX Purchasing an item and the associate said to get the credit card for 40 % Off -I explained I usually use one credit card only-she said its 40 % Off you should get it even if you dont use it. They put my information in and came back needs more information??? No reasons or information as to what or why. I have very good credit ; however the associate gave no explanation. The associate said you cant get the discount then. I said to cancel the information and I will use my credit card which I planned to do from the beginning. No discount no new credit card. I received a card in the mail a few weeks later. I couldnt believe it. 
I was told it was canceled-I called the store and explained the whole situation and the answer is its basically out of their hands. This is not acceptable because I was told I wasnt getting the card and it was canceled and somehow my information was forwarded to the bank which ran a credit report. 
When I called the store they told me I cant get the discount bc I hadnt come back with the card. 
First of all, I was told the card would t go through and asked my information be erased Secondly, I was never told that I MAY GET THE CARD. 
Thirdly, it was never explained that I could come back to the store and get the discount. 

This whole situation seems to be a scam. It is totally inappropriate and unfair to the customer. 
Im not comfortable with it and will have the credit card and bank close the card.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A hard credit inquiry was REMOVED on XX/XX/year>, but it DROPPED my credit score by XXXX points. This should not have made my score drop. The company wont help me.

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 2025-01-27 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: NY

Complaint narrative:
I am filing a complaint regarding an unauthorized account listed on my credit report. The details of the account are as follows : Account Number : XXXX Opened Date : XX/XX/year> This account was reported without my written consent, violating 15 U.S.C. 1681b under the Fair Credit Reporting Act ( FCRA ). I never authorized this account to be opened or allowed my information to be furnished to Experian. 

Despite my dispute with Experian, this account remains on 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 2025-01-27 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their high yield savings account. Capital One misrepresented the 360 savings account for having the highest rates, yet failed to notify accountholders about superior rates offered. This obscurity and lack of transparency violated consumer trust and resulted in siginificant financial loss. I seek redress for the misleading practices and failure to fullfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Someone opened a credit card in my name with XXXXXXXX XXXX XXXX. We live in Florida and this person opened a credit card in Texas with a Texas address. We do not live in Texas. We do not know anyone who lives in Texas. We were notified because the XXXX XXXX XXXX XXXXXXXX XXXX sent us a letter and is suing us for the balance on the credit card of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I am writing to formally file a complaint against the XXXX XXXX  credit reporting agenciesXXXX TransUnion, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested 1099Cs from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or XXXX if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.

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 2025-01-27 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: TX

Complaint narrative:
I am writing to formally file a complaint against the XXXX XXXX  credit reporting agenciesExperian, XXXX, and XXXX their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of collection and charged-off accounts with inaccuracies and improper balances. The CRAs are not investigating these accounts. They are just coming back saying the account is verified accurate. I have requested a " Forward Flow Agreement '' from XXXX XXXX XXXX, a third party Debt Collector who purchase this account in a bundle. they are reporting an incorrect balance. I have requested 1099Cs from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for updating my taxes. They received insurance on this charged off account so it should not be reporting a balance. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. These errors directly violate this obligation. Charged-off accounts are being reported with remaining balances, despite federal regulations stipulating that once charged off, written off balances should reflect the true amount owed or XXXX if forgiven. These inaccuracies are negatively impacting my creditworthiness and ability to access financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I am filing a complaint against CASH APP ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: WA

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

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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I made payments on my federal student loan which was with XXXX during the XXXX pause. These payments totaled > {$92000.00}. The remainder of my loan was ultimately forgiven by XXXX. I requested a refund for the payments I made during the COVID pause in XX/XX/XXXX ( before the deadline of XX/XX/XXXX ). There is documentation of this via XXXX. My loans were then transferred to Mohela, and the refund was never processed. I have spoken extensively with both XXXX and Mohela. Mohela got all the information regarding the payments I made during the XXXX pause and has that documentation. When I last called Mohela, they said that the XXXX XXXX XXXX would issue the refund, as the remaining balance of the loan was forgiven, and no longer with them and the account was closed. I have not received the refund or any response from XXXX XXXX XXXX despite filing a complaint. 

I previously submitted a complaint through this website, and later it said the company had responded, but there was XXXX communication to me and the issue was never resolved. So now I am doing the same thing all over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genessee Financial
State: MI

Complaint narrative:
XXXX Reported and close my account in XX/XX/year> to the Credit bureau XXXX Then reported 30 day after closing my account to the credit bureau that a payment was missed then 60 days 90 days 150 days just counting reporting and increase balance amount which damaged my. Credit tremendously XXXX XXXX  did the same thing and as been damaging my credit for the past 6 month

Company response to consumer: Untimely response