vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Block, Inc.
State: TX

Complaint narrative:
Opened a business CashApp account as early as XXXX, I believe and opened it under the CashApp tag XXXX XXXX I used the account for many years, leading into their policy changes to begin sending me a 1099 for payments received over {$600.00}. I continued to use the CashApp account to conduct business leading into another policy change to verify my business. CashApp requested business documents and my identification to verify that it was a legitimate business. I complied and submitted my drivers license, my XXXX  documents from the state, my XXXX 's, and my XXXX #, through the link they providedin the email. I awaited a response and contacted support and actually spoke to a representative but there was no response. I sent in documentation on XX/XX/XXXX as it had to be completed by XX/XX/XXXX. I waited and continued to use the application when I received another notice stating that I didn't comply on XX/XX/XXXX. I sent documentation in again on XX/XX/XXXX and XX/XX/XXXX without any response from them. With money in the account, and pending to receive money, CashApp restricted and closed my account on XX/XX/XXXX. I have since used another account I maintained that was not a business account to exchange funds. I was never able to finalize or retrieve my funds under the XXXX XXXX tag or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving an accurate or unfair viable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward Consumer-provided evidence to furnishers, excepting unreliable, responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove dispute items. Despite the evidence I provided, causing ongoing harm to my credit standings. I am requesting immediate, corrective action to remove or amend the disputed accounts, as experience and action violates federal law in my rights as a consumer.

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 2025-01-23 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the 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 2025-01-23 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. 
XXXX ( 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My account was transferred to another company and they furnishings the credit agency inaccurate information and its hurting my credit worthiness and living conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC XXXXg, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- XXXX ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX U.S. CXXXX XXXX ( XXXX ). According to, XXXX U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX CXXXXe XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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 have sent in several disputes to credit agency for them to remove the charge off on my credit report with XXXX XXXX My account was won in a lawsuit showing XXXX XXXX fraud and false statement in procuring the contract therefore in a legal case the company said the contract was null and void yet they proceeded to put on my account as a charge off instead of removing it freely. I asked experian to investigate and remove and they just sent it back that it was accurate. yet a little work looking at county court house records would show the case. So I wish to file this complaint and have this remove off my credit asap. please and thank you. this all started in XXXX of XXXX and is continue on this day 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 2025-01-23 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-23 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: TX

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 that 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 2025-01-23 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 writing to formally dispute the reporting of certain accounts on my credit report. The accounts listed below contain inaccurate information, and I am requesting that they be thoroughly investigated and corrected. As a consumer protected under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I request that these items be removed from my credit report immediately if found to be incorrect. 
The accounts in question are : XXXX, Opened XX/XX/2024, Balance : {$260.00} These accounts are being reported incorrectly, and I dispute the accuracy of the information being provided. Please investigate these accounts and provide verification of their accuracy. If the accounts can not be verified, they must be removed from my credit report as required by law. 
As per my rights under the FCRA, I request that you : Conduct a thorough investigation into these accounts. 
Remove any incorrect information regarding these accounts from my credit report. 
Provide me with a written statement of the outcome of your investigation. 
Send me a copy of my updated credit report once the disputed items have been addressed. 
Additionally, I would like to remind Experian of its obligations under XXXX U.S.C. XXXX, which establishes civil liability for negligent noncompliance with the requirements of the FCRA. Failure to properly investigate and address inaccuracies may result in legal action and liability for damages, as well as the reimbursement of attorney fees and costs. I urge you to handle this matter with the utmost care and attention to ensure compliance with federal law.

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 2025-01-23 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: MD

Complaint narrative:
I am filing a complaint against XXXX for its failure to conduct proper investigations into inaccuracies in my credit report. Despite my repeated disputes and supporting documentation, XXXX consistently responds within 24 hours, asserting that the account in question is accurate. However, no evidence of a thorough investigation is provided, and this lack of diligence violates federal law. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, credit reporting agencies are required to conduct a reasonable investigation of disputes raised by consumers. XXXX repeated failure to meet this standard suggests a systemic issue in its handling of consumer disputes. 

Additionally, this practice appears to contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceeding against XXXX ( XXXX XXXX. XXXX ) highlights similar violations and underscores a pattern of noncompliance with federal law. 

Requested Resolution : I respectfully request that the CFPB investigate XXXX practices and take appropriate enforcement actions to ensure compliance with federal laws, including : 1. Mandating that XXXX conducts thorough and reasonable investigations into consumer disputes. 
2. Requiring XXXX to provide evidence of investigations to consumers when disputes are resolved. 
3. Ensuring XXXX complies with the FCRA and CFPA in all aspects of credit reporting and dispute resolution.Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number 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 2025-01-23 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: MD

Complaint narrative:
I am filing a complaint against Equifax for its failure to conduct proper investigations into inaccuracies in my credit report. Despite my repeated disputes and supporting documentation, Equifax consistently responds within 24 hours, asserting that the account in question is accurate. However, no evidence of a thorough investigation is provided, and this lack of diligence violates federal law. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, credit reporting agencies are required to conduct a reasonable investigation of disputes raised by consumers. Equifaxs repeated failure to meet this standard suggests a systemic issue in its handling of consumer disputes. 

Additionally, this practice appears to contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), which prohibits unfair, deceptive, or abusive practices. The CFPBs recent administrative proceeding against Equifax ( XXXX XXXX. XXXX ) highlights similar violations and underscores a pattern of noncompliance with federal law. 

Requested Resolution : I respectfully request that the CFPB investigate Equifaxs practices and take appropriate enforcement actions to ensure compliance with federal laws, including : 1. Mandating that Equifax conducts thorough and reasonable investigations into consumer disputes.

2. Requiring Equifax to provide evidence of investigations to consumers when disputes are resolved. 
3. Ensuring Equifax complies with the FCRA and CFPA in all aspects of credit reporting and dispute resolution.Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CT

Complaint narrative:
XXXX has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or to amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX transactions with Fintwist ( Comdata ). I was TN and the transactions were made by an unknown party in XXXX, FL. Transaction ID : XXXX, case number XXXX. On XXXX XXXX, 2024 was made in XXXX at XXXX XXXX XXXX for {$500.00}. They first told me this and XXXX others would be disputed. Fintwist said they would file a dispute after 10 business days had passed. Over the phone they say it was denied. The police said to file affidavits of forgery. Fintwist will not give me them or a paper statement of XXXX No online access. Won't respond to my requests over phone or email. I informed all XXXX credit bureaus, and informed identity theft.gov. I took the action I could take over the phone, yet Fntwist has denied all requests for information. I have not given the police much yet, but need the statement printed off the app/website from Fintwist. Neither option will allow printing, no advice from customer service. Dispute department is email only and is waiting to respond. Please help me get this money back 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 2025-01-23 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: GA

Complaint narrative:
Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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