vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: AL

Complaint narrative:
IN REGARDS TO THIS ACCOUNT, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. 
The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. The FCRA provides people multiple ways to dispute inaccurate information on their consumer reports, including by contacting consumer reporting agencies directly. The FCRA also requires that consumer reporting agencies follow certain procedures before reinserting into consumer reports information that has previously been removed as the result of a dispute. 

The CFPB alleges that Experian has violated the FCRAs requirements for handling consumer disputes in numerous ways. Specifically, the CFPB alleges that ALL XXXX credit bureus is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes Improperly reinserting inaccurate information on consumer 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 2025-02-09 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling 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 loss funds was impossible. And tracking these transactions was 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. The lack of accountability and transparency is unacceptable. It raises a series concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX [ XXXX ] [ XXXX ] [ Experian ] [ XXXX XXXX XXXX, XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies. 

Disputed Information : Item Name ( XXXX XXXX ) : XXXX XXXX XXXX : [ Can you please verify this account as being my account ] Account Number ( if applicable ) : [ ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 

Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
I am requesting a debt validation letter from this debt collector which should include but is not limited to, XXXX XXXX XXXX XXXX XXXX XXXX, original documents, original creditors name and address, amounts owed, the date of the last payment, the date the account defaulted, a detailed accounting of all fees and interests added to the debt, and proof that the statue of limitations has not expired. Until this debt collector has given sufficient proof of debt ownership, any and all records of this account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
I was contacted on XX/XX/year> on my cell phone while I was driving around XXXX XXXX I picked up through the XXXX XXXX  and the representative explained to me that I owe a debt of {$1100.00}. I told them my new address and that previous attempts to contact me at my old address I would not have received. The representative told me false information which I did not know at the time which was that I would not have access to my transcripts from XXXX XXXX  and that I would be able to send them to the XXXX  school which I am applying for. I previously started my application and submitted a request for the transcript and was confused as I thought they had already released my transcript for my application. Since I was driving I did not have a chance to check their information in real time. Since they gave me false information I thought this had to be done urgently so I can have my transcripts released. The representative quickly tried to set me up for a payment plan but I was driving near a ski mountain so our connection was bad and disconnected. When I was home I checked and saw that my transcripts were already released and that the representative told me false information. I decided I was going to wait until they send a bill to my apartment so I can take a closer look with all the information. They called me again several weeks later but I was busy and could not get back on the call the rest of the day. By this time I knew they tried to misinform me and did not want to speak to them anyway. I went online a little bit later that day and requested a statement confirming my debt. The statement shows that I owed {$910.00} to XXXX XXXX. There is no mention of a fee and no indication that I owe a fee to them. The bill which came from them shows a owe {$1100.00} which does not match with what they sent me as proof. I was not given correct information about my debt multiple times. These instances caused a lot of unnecessary stress and consumed days of my time to try to figure out what was going on. Multiple times recently when I tried to log in to check my balance I was given an error message on their website. The website still allowed me to pay a bill to them with no indication of what I owed. This is also another example of predatorory practices they used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently disputed a few items listed on my Experian report they said they were investigating the issue. Experian removed the items that were not important they removed false address and employment all other actual accounts they deemed were accurate how do you perform a full investigation in days I have no idea I would like for the items I disputed removed these are vehicles I have sold mortgage accounts I do not have and hospital bills I have no knowledge of I have and always have had health insurance why would I have bills and had not been to the hospital in years!!!

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 2025-02-09 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX Transunion Credit Bureau XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Transunion, I am writing to formally dispute unauthorized inquiries that appear on my credit report. Upon reviewing my credit file, I noticed several hard inquiries that I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a credit bureau may only include inquiries in a consumers credit report if they are permissible under law. Since I did not give consent for these inquiries, I request their immediate removal. 

The disputed inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX According to the FCRA, unauthorized inquiries must be removed unless the company that initiated them can provide verifiable proof that I consented to the inquiry. If these companies can not substantiate their claims, I request that you remove these inquiries from my credit report and provide me with written confirmation of the deletion. 

Please consider this letter as my formal dispute under the FCRA. If these inquiries remain on my report, I request full documentation of the authorization for each inquiry, including a signed application or recorded verbal consent. If such documentation can not be provided, the inquiries should be deleted immediately in compliance with federal law. 

I have enclosed a copy of my credit report with the disputed inquiries highlighted for your reference. Please investigate this matter and respond to me in writing within the legally required time frame of 30 days. 

Thank you for your prompt attention to this matter. I look forward to your 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 non-monetary relief
Consumer complaint received 2025-02-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
IN REGARDS TO THIS XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, THE PAYMENT HISTORY IS INCOMPLETE. PLEASE INSURE THE COMPLETENESS AND ACCURACY OF THIS ACCOUNT. This account is a certificate of indebtedness ; it is now considered income, and income can not be reported on any credit report. 

The CFPB found Equifax violated the FCRAs requirements for investigating and processing consumer disputes and assuring the maximum possible accuracy of the information on its consumer reports. The CFPB also found that Equifax violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found Equifax harmed consumers by : Failing to thoroughly investigate consumer disputes : Putting previously deleted errors back on credit reports and failing to block identity- theft related information : Sharing inaccurate credit scores and data about consumers with lenders : Furthermore, the sale or sharing of my personal information to a third-party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach-Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent. Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year>, My Credit report alert stated a XXXX  XXXX account was open in my behalf. I did not authorize this account. I only choose to do pre-approval, and it was not the card I wanted on pre-approval, so I did not accept the offer to continue. But a account was open on pre-approval, and I did not give permission to accept any offers from 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 2025-02-09 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 writing to formally dispute the actions of Experian regarding the inaccurate information reported on my credit report. Experian has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected Experian to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to XXXX requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ]. XXXX failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies Experians negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address Experians negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent 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 2025-02-09 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: TX

Complaint narrative:
I sent Experian, equifax, and transunion letters regarding accounts on several occasions from XX/XX/XXXX. 
I been working with XXXX XXXX for XXXX and they have been sending letters about removing debt since XX/XX/XXXX. Some accounts only been removed from certain credit agencies.

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 2025-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Unreasonable Account Access Restriction by Bank of America Complaint : I have been a customer with Bank of America for over 15 years and currently hold both checking and savings accounts. Recently, I opened a new credit card with BOA, and as a result, the system changed my verification requirements. I am now being asked for a PIN associated with a debit card that I have not used in years and do not remember. 

I contacted BOA customer service, but the representative was unable to resolve my issue. I was advised to visit a branch in person, which is inconvenient and unnecessary, especially since I have other means of identity verification ( e.g., government-issued ID, security questions ). 

I believe this is an unreasonable restriction on my access to my own funds and am requesting assistance in ensuring that BOA provides a fair and reasonable alternative for verifying my identity. I would like CFPB to investigate this matter and ensure that consumers are not unfairly locked out of their accounts due to outdated or burdensome security policies. 

Thank you for your assistance.

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