vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Im filling a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices which violated Customer Financial Protection Act ( cfpa )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
I am struggling with the payments of more than 500 % five hundred percent interest rate,.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a XXXXXXXX XXXX  user and during the beginning of using the new application of Zelle, I was trying to buy a couch set and the person wanted money through zelle for a down deposit before getting the item and I sent {$200.00} as a deposit but then the person ghosted me and i wasnt able to request my money back from the app. The app had no warnings about scams or explanation of not being able to get money back. When i called Zelle and XXXX, they said there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
I am submitting a formal complaint against Equifax for their failure to conduct reasonable investigations into my disputed credit report inaccuracies. Despite my submissions of supporting documentation, Equifax has consistently responded within 24 hours, merely reiterating the account 's accuracy without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable reinvestigation of disputed items. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced by the Consumer Financial Protection Bureau 's ( CFPB ) recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I respectfully request that the CFPB take appropriate action to compel Equifax to comply with federal law and provide consumers, including myself, with documented proof of genuine reinvestigations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NV

Complaint narrative:
I am submitting this complaint because XXXX XXXX is furnishing inaccurate and misleading information about my wireless account to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). Despite having notified XXXX of these issues, it has not taken any meaningful action to correct the inaccuracies. 

1. Re-Aging of Delinquency XXXX appears to be re-aging this account by frequently updating the date of delinquency, making it appear more recent than it actually is. The Date of First Delinquency ( DOFD ) is inconsistent across credit reports and does not align with my actual payment history. By altering the DOFD, XXXX is effectively extending how long this negative item remains on my credit file, which is an FCRA violation. 

2. Failure to Update Balance if Debt Was Sold or Transferred XXXX states my account balance is valid, but I have been directed to a third-party collection agency ( XXXX, XXXX XXXX XXXX XXXX XXXX If XXXX sold or transferred the debt, the original tradeline should be updated to reflect a {$0.00} balance and marked Transferred/Sold. However, XXXX continues to report a balance owed under its name, which is misleading and damaging to my creditworthiness. 

3. Inconsistent & Conflicting Reporting The information XXXX furnishes is not uniform across the three major credit bureaus. Some reports list different delinquency dates, while others show varying statuses or balances. Under FCRA 1681s2 ( a ) ( 1 ) ( A ) & 1681s2 ( a ) ( 2 ), Verizon is obligated to provide accurate and consistent information. This discrepancy is causing direct harm to my ability to obtain credit. 

4. Continued Reporting Despite Dispute I have previously disputed this account, yet XXXX response addressed only billing details. They did not explain or correct the credit reporting inaccuracies, nor did they provide documentation showing how the DOFD and final balance are properly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 came across information regarding the CFPB Experian lawsuit. 

I believe I was adversely affected, as the response to my previous dispute indicated that the accounts in question were verified, which may have negatively impacted my credit opportunities. 

I would appreciate clear and substantiated evidence supporting the verification or a prompt correction of any inaccuracies.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
My lender has been trying to pull my report from Equifax for nearly a week. He has spent {$92.00} so far pulling a tri-pull report and can not access Equifax. I spent over an hour wading through their website and phone tree trying to figure out how to talk to a representative. I finally reached a representative and answered all of the verification questions. She asked me several questions about my credit history. She told me the credit freeze was removed and that my lender could pull the report. My lender could not pull the report, and I called equifax back. They said they needed to confirm my data with an ap. I scanned my drivers license and their application scanned my face and it matched. My credit was still locked. The next representative told me that they would contact me by mail. I told her that was going to take too long. she apologized and we ended the call. I called my lender, he said call them back and ask for a supervisor. The supervisor told me to write a letter and send it with a W2 and copy of DL, she gave me an address. I wrote the letter, had it certified, and overnighted the information. It has been 3 days since I overnighted the letter. I called them again. They still have not removed the freeze. They have not processed the letter yet. The representative told me 3 - 5 days to process the letter then another 5 - 7 days for them to send me a response by mail. I have easily spent over 8 hours on this issue. 
Equifax has confirmed my identify twice, once by me answering questions and the 2nd time by scanning my drivers license and matching it to my face. Why not accept the verification through their application or allow me to upload the documents instead of telling me the only way to resolve it is through mail. Not too mention the fact that this process is dragging my credit score down, multiple unsuccessful credit pulls, and address change. Now I am in a lower credit score bracket and the interest rate on the loan is more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My information was involved in a data breach with Equifax and Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My information was involved in a data breach with Equifax and Experian

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed to remove this fraudulent address XXXX times in 2024 and Equifax continue to show this fraudulent address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Remove the fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I am submitting this dispute regarding a fraudulent account that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this 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
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I am submitting this dispute regarding a fraudulent account that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I hope this message finds you well. I am reaching out to inquire about potential legal options regarding a situation I have experienced with OneMain Financial and XXXX XXXX. I believe I may have grounds for a claim involving misrepresentation, unauthorized credit inquiries, and deceptive lending practices. Below is a detailed summary of the events : I received a preapproval offer from OneMain Financial through XXXX XXXX for a loan of {$8000.00}. Based on this offer, I proceeded to apply for the loan. 
After applying, I was informed that my credit was pulled, resulting in a hard inquiry on my credit report. Subsequently, I was approved for the loan and was asked to upload my identification and schedule a call to discuss the loan further. I scheduled two appointments, but neither call was received. 
I then reached out multiple times to the office and was told that the associate handling my case was busy and would return my call. After no follow-up, I contacted the associate again, and my credit was pulled a second time, resulting in an additional hard inquiry on my credit report, which I did not consent to. 
I was subsequently informed that the loan offer had changed, and instead of the initial {$8000.00}, I was now being offered only {$1500.00}. The change was attributed to my credit report. However, after reviewing my credit, I found no significant changes that would explain such a drastic reduction in the loan offer. 
Given that the original credit report pulled did not show any significant changes, I believe the initial offer of {$8000.00} was misleading. If I had been accurately informed of the true loan offer at the outset, I would not have proceeded with the application. Moreover, the unauthorized second credit inquiry is another significant concern. 
As a result of these actions, my credit report now contains two hard inquiries that were made without my full understanding or consent, and my credit score has been negatively impacted. 

Given the circumstances, I would like to explore my legal options. Specifically, I am seeking advice on the following.

1. Whether I have grounds for a lawsuit against OneMain Financial for misrepresentation and unauthorized credit inquiries.

2. The process of filing a complaint or claim under consumer protection laws.

3. How to potentially have the unauthorized second inquiry removed from my credit report.

4. Damages I may be entitled to for the negative impact on my credit and any other legal remedies available. 

Please let me know if you would be able to assist me in this matter or if you recommend any next steps I should take. 

Thank you for your time and assistance. I look forward to your response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted the IRS after not receiving my XXXX tax return, the IRS informed that it was sent to my deposit of {$12000.00} to my institution on XX/XX/XXXX. I contacted Wells Fargo whom said they did not receive my return. I checked and the IRS accepted and distributed my funds. The account was closed at the time when my refund was sent, which i informed Wells Fargo of.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Under the FCRA, you can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming you owe the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Debt assignment details if the debt was sold to a collection agency.

Verification of how this account was validated, including the name of the entity that provided confirmation.

A copy of the original signed contract or agreement proving I authorized this debt.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
Pursuant The FDCA ... .. ( 15 USC 1692C ( c ) ) I sent the alleged debt collector '' Harris & Harris `` a cease and desist letter for all communication related to this debt. 

Tracking number " XXXX '' According to The ACT " The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium '' This is mean that the alleged debt collector needs to stop communicating to a third party ( i.e credit reporting agencies ) As mention in the letter I will pursue civil penalties under 15 USC 1962XXXX if this situation is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
I am filing a complaint against EQUIFAX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, EQUIFAX consistently responds within 24 hours stating that the accounts are accurate, without providing me with any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, EQUIFAX 's actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. 

These are the accounts that I have marked inaccurate : Account Name Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN 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 2025-02-08 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: FL

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX  XXXX XXXX reported a past due balance without previously informing me of the past due balance. They do not mail me account statements and revoked/refuse to grant me a access to my online account and app so monitor any balances myself ( coercing me into an past due balance that I was uninformed about ). I only learned of the past due balance once it was reported to the credit bureaus and cured it same day. I disputed the adverse reporting and the bank refuses to remove it from my reporting though they failed to properly validate debt. This occurred during a car purchase and I now have a much higher auto loan interest rate and payments plus mutliple credit inquires as I struggled to obtain credit due to this malicious reporting. XXXX  XXXX XXXX 's failure to oblige by the FCRA has resulted in immense monetary damages and a XXXX point dip in my credit score that they refuse to rectify.

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