vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally address several concerns regarding the handling of my credit report disputes and account access. Your company has consistently denied me the ability to exercise my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees individuals the ability to dispute inaccurate, incomplete, or unverifiable information in their credit reports. 

Specifically, I have encountered the following issues : Denial of Dispute Rights : Your company has refused to acknowledge or process my legitimate disputes, a clear violation of my constitutional and consumer rights. 

Ambiguous Responses : I have repeatedly received vague and unhelpful responses, including suggestions that I am using third-party services to submit disputes. This is entirely inaccurate, and I demand clarity and transparency in your responses moving forward. 

Failure to Provide Account Access : Despite numerous attempts, I have been unable to unlock my online account to dispute information directly. This failure obstructs my ability to review and address discrepancies effectively. 

Discrepancies in Credit Reporting : I have been denied the ability to pinpoint inaccuracies in my credit report due to the lack of proper access and support from your agents.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
My account on CashApp is compromised. On XX/XX/year> there was a withdrawal made from my account in the amount of {$990.00} that I did not authorize. The person responsible then withdrew that to a XXXX XXXX  card ending in XXXX. As I stated I did not authorize this charge, I have no knowledge about this transaction and I even disputed this with CashApp and they denied my claim. Money was stolen from me. I look at previous transactions and they tried taking {$10000.00} from my account but I didnt have that in my account so they did a lower anmount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
This letter constitutes a formal dispute of the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX : Account number : XXXX I did not open or authorize these accounts, and I dispute the accuracy of all information related to them. I request that you immediately investigate this matter and remove these accounts from my credit report within four ( 4 ) business days. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires you to investigate and respond to my dispute. 
I have attached a copy of my FTC Identity Theft Report, my government issued identification, my social security card, and proof of my current address as evidence of this identity theft. 
I expect a prompt and thorough investigation into this matter. Please provide me with a written confirmation of the actions taken to resolve this dispute. 
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 2025-01-21 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: GA

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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am XXXX to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MI

Complaint narrative:
I am writing to formally dispute XXXX collection accounts reported by XXXX XXXX XXXX which has been identified as fraudulent. These fraudulent accounts have negatively affected my credit report. I have listed the details of the accounts in question and also attached a credit reporting showing proof of these fraudulent accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$620.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$690.00} These accounts have caused multiple fraudulent inquires and collections on my consumer report. I have listed these fraudulent collections as reported. These accounts were not made, opened or initiated by me at all. I ask that you and TransUnion reporting agency block all reporting that is a result of identity theft within XXXX business days of receiving this complaint. I have attached the number of my FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the Federal Trade Commission that all collection accounts are the result of identity 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 non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I, XXXX XXXX, discovered inaccuracies on my Equifax credit report related to my XXXX XXXX XXXX account ( Account No. XXXX ). Despite my prior request for documentation supporting the reported late payments, the creditor only provided a transaction sheet, which fails to meet the legal requirement of verifiable proof that statements were sent at least 21 days before the due dates. This omission, along with inaccurate late payment notations, constitutes a billing error under 15 U.S. Code 1666 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On or about XX/XX/XXXX I began having difficulty with XXXX XXXX XXXX XXXX and could not get help with service for my home television system provided by XXXXCountless service attempts failed and was without service for 2 months plus.I finally encountered an honest technician who advised of a lawsuit with XXXX XXXX XXXX and that the company wasn't able to resolve the service issue I was having.The cc tech said it was the equipment was not compatible in some areas and systems.I called on XXXX cancel my account and was told a supervisor would have to approve my cancelation.Spoke to ( XXXX ) and she agreed to have Supervisor contact me, however I advised her I was cancelling as of XX/XX/XXXX. I never received any contact from XXXX, even after multiple calls to them. 
I went into storefront to speak to supervisor for help and he said on next statement it shows account cancelled. My bill for XX/XX/XXXX was XXXX supervisor said the cancelation amount was adjusted to {$220.00} and that he mailed me an new payment notice which i have and provided to all parties to resolve and close the account. 
On XX/XX/XXXX I mailed check XXXX ( XXXX ) to XXXX as final payment..I sought legal counsel and was advised that XXXX often delays cancelling to keep account charges ongoing. 
After providing the letter of dispute, multiple copies of documents, proof of payment, sending Certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sunrise Credit Service finally removed the derogatory and false claim of debt from my Credit Bureau on XX/XX/XXXX. Eventually my credit profile was reported correctly and the matter resolved and closed. 
On or about XX/XX/XXXX XXXXunrise Credit Service ( according to a phone representative ) sold files of personal consumer information to XXXX XXXX XXXX, and my resolved and closed file was reopened and yet again derogatory Credit information was wrongly reported to the Credit agencies causing a XXXX drop in my Credit score. This has to be against all laws of Credit fairness and Consumer Prtection laws. I need help in bringing this matter to someone's attention, as I'm sure there are other consumers plagued by these predators..

If any of the documents are needed, I am happy to provide copies ( 100 % ) of the certified letters and proof of payment to the CFPB
. Additionally I am sending copies of files again to the reporting agencies along with a Consumer Statement to each agency.Any help to bring these tactics to a close for me is appreciated. 
THANK YOU, 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 2025-01-21 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: IL

Complaint narrative:
I am the victim of the XXXX XXXX breach that has compromised my social and caused several fraudulent accounts and inquires to be placed on my consumer report. These accounts need to be removed and blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I am the victim of the XXXX XXXX breach that has compromised my social and caused several fraudulent accounts and inquires to be placed on my consumer report. These accounts need to be removed and blocked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 is 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 a tremendous inconvenience and significant financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 reaching out to share my concerns about how Zelle handles disputes, especially given the recent CFPB lawsuit that highlighted major problems with the platform. Although Ive used Zelle numerous times and reported issues with transactions, neither Zelle nor my financial institution conducted a thorough investigation of my claims. I was told that recovering my lost funds and tracking the transactions wasnt possible. According to the CFPBs findings, Zelle has failed to protect its users and has allowed repeat offenders to abuse the system, putting consumers at risk of scams. This lack of accountability and transparency is deeply troubling and raises serious questions about user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I am filling 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 ), 15 U.S.C.1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. ( 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-21 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:
Hey Ive attached FTC report for accounts reporting from fraud can you have equifax remove these items immediately. 


ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
XX/XX/year> I submitted an application to switch from SAVE to IDR repayment via studentaid.gov. Mohela, as the servicer, should have placed me into administrative forbearance by now so that those months of forbearance count towards my PSLF. They have not updated my status and have not responded to my communication with them. I am 2 payments away from PSLF completion and the buyback rate was calculated at an astronomical rate so this is my only option.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
There was a credit card account opened and closed in my name.XXXX XXXX refused to send me records indicating the debt owe, however my credit score has been impacted negatively due to my rights being violated .I havent received a response or evidence regarding this account with XXXX XXXX in the amount of {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian in XX/XX/year> regarding an account on my credit report showing inaccurate information. the account is XXXX it is listed as a closed account that went 30 deliquent straight to 90 days delinquent. Experian claimed that they verified this information with creditor and that it would not be deleted from my credit report. this account stills shows that I went from 30 days straight to 90 days without a 60 days deliquency. Experian did not properly investigate my complaint and did not follow the appropriate fed laws governing inaccuracies listed on credit 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My bank charged me for an amount that I was unaware of, put my account in overdraft then sold it to collections. I told both companies that I am unaware of this debt and heard nothing back. The collection agency is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation