vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal statement regarding XXXX 's failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as XXXX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



XXXX 's failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal statement regarding XXXX 's failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as XXXX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



XXXX 's failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I XXXX XXXX have filed an Identity theft report regarding this fraudulent account remove this from my credit report I asked for my signature which resulted in this claim against me nothing. The document that they sent to this address still does not identify this is me a. Letter of validation proving you sent this to this address does not justify this is me. There is no proven evidence so please state evidence regarding my signature and the following Original purchase agreement that shows you are the legal owner of this debt please include all terms in conditions that are included in this purchase agreement. 15 U.S.C states that compliance procedures need to be followed if none is followed this will indeed be in Violation of the consumer Please provide the following within 30 business days if not please remove : chain of assignment, insurance claim of debt, My signature, and Foward Flow Agreement by Law under the FCRA AND FDCP you have 30 days to respond if reached you will seek another Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX  XXXX XXXX Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

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 2025-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX  XXXX XXXX  Charge Off account that was previously reported on my credit report on Transunion. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights.

I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance.

Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MT

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
I am filing a formal complaint regarding Zelle 's failure to investigate unauthorized transactions and its inadequate dispute resolution process. My financial institution, in collaboration with Zelle, has failed to comply with federal consumer protection laws by refusing to properly investigate my claims and denying my ability to recover lost funds. 

1. Failure to Investigate Unauthorized Transactions : Under the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693f ) and Regulation E ( 12 C.F.R. 1005.11 ), financial institutions are required to investigate errors related to electronic fund transfers, including unauthorized transactions. However, my financial institution and Zelle dismissed my dispute without conducting a proper investigation, in direct violation of these regulations. 

2. Unfair and Deceptive Practices : The Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5531 ( a ) ) prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). Zelle 's refusal to track disputed transactions, failure to provide adequate recourse, and misleading claims that recovering funds is " impossible '' constitute unfair and deceptive practices that leave consumers unprotected.

3. Systemic Issues Identified by the CFPB : The CFPB 's recent lawsuit against Zelle highlights systemic issues, including the platform 's failure to implement effective fraud prevention measures and its repeated allowance of bad actors to exploit the system. Zelle 's lack of accountability places consumers at heightened risk of financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-30 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XX/XX/year> Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Incorrect and Outdated Addresses from Credit Report To Whom It May Concern, I am writing to formally request the removal of all outdated and incorrect addresses listed on my credit report, except for my current address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Upon reviewing my Experian credit report, I noticed multiple old addresses that are no longer relevant to my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or outdated information on my credit report, and I am requesting immediate action to remove all previous addresses associated with my file that are no longer valid. 

Addresses to Be Removed : [ List all incorrect or outdated addresses here ] Reason for Removal : These addresses are no longer associated with me, and they do not reflect my current residency.

Having outdated addresses on my credit report increases the risk of identity confusion and potential fraud. 
The presence of multiple addresses can lead to inaccuracies in my credit history, which I wish to rectify immediately. 
Supporting Documents : I have attached copies of the following documents to verify my identity and current address : A copy of my government-issued ID ( showing my current address ) A recent utility bill or lease agreement confirming my residence at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX A copy of my Social Security card for identification purposes Action Requested : Per the FCRA, I request that you : Remove all outdated and incorrect addresses from my credit file Update my report to reflect only my current address Provide me with a revised and accurate copy of my credit report once these corrections have been made Deadline for Response : The FCRA requires credit bureaus to investigate and resolve disputes within 30 days. Please confirm receipt of this request and provide an update on the status of my dispute as soon as possible. 

If you require further information, please contact me at XXXX or via mail at my current address. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these outdated addresses have been successfully removed. 

Sincerely, 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp closed my account that I never used before

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I HAVE RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN GOODS USING MY IDENTITY, HERE ARE OVER 12 FRAUDULENT ADDRESSES THAT ARE CURRENTLY REPORTING ON MY CREDIT REPORT. I HAVE CALLED XXXX FRUAD DEPT MANY TIMES AND EXPRESSED MY ISSUIE WITH THEM BUT THEY HAVE REFUSED TO REMOVE THE ADDRESSES OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
Request for Removal of Charge-OffXXXX XXXX Account Account Number : XXXX .... 
Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX charge-off. Correct or remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.

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 2025-01-30 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: GA

Complaint narrative:
Request for Removal of Charge-OffXXXX XXXX Account Account Number : XXXX .... 
Account charged off. {$360.00} written off. {$360.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX charge-off. Correct or remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.

Company response to consumer: Closed with non-monetary relief