vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: NJ

Complaint narrative:
I have been trying to fix my credit, I sent out multiple letters to Experian, Transunion, and Equifax but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). They routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable, and fails to remove and reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. Original balance {$15000.00}. It is obvious that the Original balance, the written off amount and the past due bal do not correlate. This is my XXXX attempt to have this inaccurate information deleted from my credit profile. 
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account amount is correct, if you can not provide me with this information in 15 days delete this account from my credit profile and send me a copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against cash app ( block , inc ) due to inadequate customer service 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: AZ

Complaint narrative:
While reviewing my credit report on XX/XX/year>, I observed that XXXX XXXX an unknown person to me had a loan in the amount of {$71000.00} that was being reported by XXXX XXXX XXXX XXXX on my credit reports and her loan was filed under my social security number and name. I communicated with XXXX XXXX and asked them about this and they said they were sorry and they would remove it. This is identity theft and negligence and my personal information was breeched. XXXX  XXXX is fraudulent and my private information as a living woman was compromised. 

They deducted XXXX months payments from my account as a apology for the fraud. I do not feel this is professional and I have since ended business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MO

Complaint narrative:
Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: IL

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 2025-02-21 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: DISCOVER BANK
State: FL

Complaint narrative:
I never really check my credit, once I applied for a home loan my realtor advised on such account hurting my credit score and ability to purchase a new home. 

I obtain a free report and you contact all appropriate agencies and authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable negative information contained in my credit report issued by Equifax. This dispute is being submitted under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit report, I have identified the following negative accounts that contain errors and must be deleted immediately : Negative Accounts with Errors and FCRA Violations 1. XXXX XXXX XXXX Reported Status : " Charge Off '' ( Should be reported as " Paid '' or " Settled '' ) Account Number : XXXX Violation : 15 U.S.C. 1681c ( a ) - Reporting obsolete information PLEASE DELETE THIS FROM MY CREDIT REPORT. 
XXXX. XXXX Reported Balance : {$63.00} ( Incorrectly reported as unpaid when settled ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( b ) - Failure to correct inaccurate information after dispute PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXX XXXX XXXX XXXX ( Collection for XXXX XXXX ) Reported Balance : {$210.00} ( Paid, but still showing as active collection ) Account Number : XXXX Violation : 15 U.S.C. 1681s-2 ( a ) - Furnishing inaccurate information PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reported Status : " Collection '' ( Incorrect as account was settled ) Account Number : XXXX Violation : 15 U.S.C. 1681e ( b ) - Failure to ensure maximum possible accuracy PLEASE DELETE THIS FROM MY CREDIT REPORT Legal Basis for Removal & Compensation Under 15 U.S.C. 1681i, Equifax is required to investigate and correct or delete inaccurate, incomplete, or unverifiable information within 30 days. Additionally, each violation of the FCRA can result in damages up to {$1000.00} per infraction under 15 U.S.C. 1681n.

Based on my findings, I am demanding : Immediate deletion of all inaccurate negative information.

Compensation of [ {$4000.00} ] for 4 violations of the FCRA.

A corrected credit report sent to my address.

Failure to comply with this request within the legally mandated timeframe will result in additional formal complaints and potential legal action. 
Please confirm receipt of this dispute by mail or email. Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been scammed by a customer of Chase on XX/XX/XXXX. I was led to believe I was in the middle of a fraud alert from a person who portrayed themselves to be a representative of Chase. I saw the activity live with XXXX activity attached to my other account. I was coerced into believing I was being robbed and instructed to withdraw the funds in order to deposit the funds into a chase account created on my behalf and loaded into my mobile device. I still have the debit card in my wallet on my mobile phone. I deposited the funds into this account while on the phone with the fraud person purported to be a Chase representative showing me my account being hacked live. I have receipts of all the deposits made at the ATM. When I thought I might have been scammed I went to an ATM to call up the account using the same card in my wallet which I thought to be mine. I discovered that the funds were still in the account but that an email address to a XXXX XXXX ( XXXX ) was listed in the ATM. I went to a XXXX branch the following day ( Wednesday, XXXX ) to verify funds were still on deposit. The Chase representative XXXX XXXX ( ph XXXX ) was able to find this person as a real account holder of Chase. XXXX XXXX contacted a counterpart at Chase on XXXX account to report my deposits as fraudulent and was told the account was frozen due to fraud. My deposit were reported as fraudulent at that time. Subsequent Chase opened a case file on this ( case XXXX ) on XX/XX/XXXX. I spoke with XXXX XXXX ( ph XXXX ), the regional branch manager at Chase on XX/XX/XXXX who had informed me that he would check with the case worker on the file to determine how I could recoup those funds. I spoke with both the XXXX on the, the caseworker ( ph XXXX, ext XXXX ) on the XXXX and the branch XXXX on Wednesday XX/XX/XXXX. Funds were still frozen at that time. On Monday XX/XX/XXXX, I was informed that the funds were released to the customer. All phone conversations with Chase are on recorded lines. Customer reported that Chase had no authority to hold the funds and that my deposit was a voluntary deposit into her account. That representation could not be farther from the truth. Based on what was entered into their system about the fraud and representation by me to Chase employees in person it is unimaginable to understand how the funds were released. I do know that the person who defrauded me is a real account holder. I believe this should help track down my funds, {$28000.00}. I have copies and screen shots of everything in this report. Because I thought Chase was working to return my funds, I did not file this report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
XXXX XXXX, XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefitted from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help. Thank you.

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 2025-02-21 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: PA

Complaint narrative:
Subject : Dispute request to remove co-signed account due to 1099-C Cancellation of debt Dear Experian I am writing to formally dispute the inclusion of the following account on my credit report. I co-signed the account listed below, but the original account holder has received a 1099-C ( cancellation of debt ), which signifies that the debt has been forgiven and is no longer owed.

Account information account numberXXXX original creditor : XXXX XXXX Date opened : XX/XX/2020 As a Co-signer, my responsibility for this account was contingent on the original account holder fulfilling the terms of the agreement. Given the fact that the debt has been canceled by the creditor ( evidenced by the 1099-C ), I respectfully request that the account be removed from my credit report. 
Please investigate this matter and, upon confirmation of the cancellation of the debt, delete this account from my credit report.

I have attached a copy of the 1099-C form for your reference. If you require any additional documentation to process this dispute, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
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 explanation
Consumer complaint received 2025-02-21 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: PA

Complaint narrative:
Subject : Dispute request to remove co-signed account due to 1099-C Cancellation of debt Dear XXXX I am writing to formally dispute the inclusion of the following account on my credit report. I co-signed the account listed below, but the original account holder has received a 1099-C ( cancellation of debt ), which signifies that the debt has been forgiven and is no longer owed.

Account information account number:XXXX original creditor : XXXX XXXX Date opened : XX/XX/2020 As a Co-signer, my responsibility for this account was contingent on the original account holder fulfilling the terms of the agreement. Given the fact that the debt has been canceled by the creditor ( evidenced by the 1099-C ), I respectfully request that the account be removed from my credit report.

Please investigate this matter and, upon confirmation of the cancellation of the debt, delete this account from my credit report.

I have attached a copy of the 1099-C form for your reference. If you require any additional documentation to process this dispute, please let me know. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
they required a XXXX balnace and said when that was confirmed the account would be closee. I was XXXX balnce on XX/XX/XXXX, the account was not closed, and then they changed another account service fee, XXXX. I've been trying to close this account for 2 months and keep being charged service fees.

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 monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I received a confirmation email of an online purchase made at XXXX in the amount of XXXX XXXXusing the card I had on file which was my XXXX store credit card. I immediately contacted to company in an attempt to cancel the purchase and was told that it was too late to cancel. I then called the credit card company to report the unauthorized transaction and was told that I could not dispute the transaction because it was still pending. I was asked to call back in 3 business days. On XX/XX/XXXX I called back and filed the dispute. SInce that date I have called at least 5 times in an attempt to get a status update on this dispute. The charges are still showing on my account and all customer service representatives have told me that they do not have access to this information and that I will get an email when the dispute has been complete. It has now been over two months with no resolve and I am requesting this charge be removed from my account. 

The purchase was made online and sent to a name and address that does not belong to me. It should be a very easy case to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and l seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Dear Experian, I am formally disputing the verification of an account on my Experian credit report. Despite my prior dispute, Experian has returned a response stating that the information has been " verified. '' However, upon reviewing my XXXX credit report, I have confirmed that this account is not listed, making it unverifiable and in violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ). 
Because this account does not exist on my XXXX report, Experian must provide an expedited response and either : 1. Immediately delete the disputed account from my credit file, as it is not verifiable.

2. Provide the exact source of the verification, including : o The name and contact details of the entity that verified the account.

o Proof of verification, including all correspondence or documentation used.

o Confirmation of any direct communication with the FTC regarding my previously submitted dispute.

Experians failure to properly investigate and disclose the source of verification constitutes willful and negligent noncompliance with the FCRA. If this issue is not resolved promptly, I will pursue all legal remedies, including seeking damages for continued misreporting. 
I expect a written response within 15 days, given the severity of this violation. Please send all correspondence regarding this dispute to my address above. 
Sincerely, 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