vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I am filing a formal complaint against all three credit bureaus for their failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding unauthorized inquiries on my credit report. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information, and the bureaus are required to conduct a reasonable investigation and provide verification within 30 days. However, they have failed to do so. 

I initially sent dispute letters on XX/XX/XXXX, and followed up with another set on XX/XX/XXXX. Additionally, I have made multiple phone calls requesting written proof verifying these inquiries under FCRA 609 ( 15 U.S.C. 1681g ), which mandates that consumers have the right to obtain information on file about them. Despite my repeated requests, I have not received proper documentation or any meaningful response, violating FCRA requirements. 

Their failure to investigate and provide proper documentation obstructs my rights under federal law and has left me unable to resolve unauthorized activity on my credit report. I am requesting immediate intervention to ensure compliance with the FCRA and to hold these credit bureaus accountable for their negligence. 

Thank you for your time and assistance.

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 2025-02-12 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:
In 2020 I had identity theft. Provided the credit bureaus with my FTC report and police report. They never removed the items. I have hard inquiries, late payments, charge-offs, and names that are not mine on my report and it's only getting worse. It's been 5 years now and they STILL have not done anything even after recently filing disputes. Additionally, the credit bureaus have not removed anything from my report that has expired and should have dropped off 2 years ago. My updated FTC report has both the claim from 2020 included along with the new claim. 

I have contacted the following : XXXX - who filed disputes on my behalf FTC - I provided the bureaus with both identity theft reports, along with my id and proof of residency

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 2025-02-12 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: PA

Complaint narrative:
In 2020 I had identity theft. Provided the credit bureaus with my FTC report and police report. They never removed the items. I have hard inquiries, late payments, charge-offs, and names that are not mine on my report and it's only getting worse. It's been 5 years now and they STILL have not done anything even after recently filing disputes. Additionally, the credit bureaus have not removed anything from my report that has expired and should have dropped off 2 years ago. My updated FTC report has both the claim from 2020 included along with the new claim. 

I have contacted the following : XXXX - who filed disputes on my behalf FTC - I provided the bureaus with both identity theft reports, along with my id and proof of residency

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX : XX/XX/year> To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
Money sent to wrong person not refunded, and money taken out without permission. Money moved and not noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-12 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-02-12 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: Ability Recovery Services, LLC
State: VA

Complaint narrative:
I am filing a formal complaint against Ability Recovery Services and XXXX XXXX XXXX for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting and attempting to collect a fraudulent debt. 

Details of the Violation On XX/XX/XXXX, Ability Recovery Services reported a debt to my credit report alleging that I owe for an ambulance service on XX/XX/XXXX, supposedly provided by XXXX XXXX XXXX ( XXXX ). However, I was never transported by an ambulance on that date, and this debt is completely fraudulent and inaccurate. 

On XX/XX/XXXX, I contacted Ability Recovery Services by telephone to inquire about the details of the account and to request written notice of the debt and any information pertaining to the debt. Ability Recovery Services was unable to provide me with any documentation surrounding the debt and stated I contact XXXX XXXX XXXX. 

Ability Recovery Services does not own this debt by their own acknowledgmentit is purportedly owned by XXXX XXXX XXXX. Despite this, they have illegally furnished negative information to credit reporting agencies, damaging my creditworthiness and violating 15 U.S.C. 1681s-2 ( a ) of the FCRA, which mandates that furnishers provide only accurate and verifiable information.

Violations Committed Violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Reporting False Information Ability Recovery Services is knowingly furnishing false, inaccurate, and unverifiable information to credit bureaus. 
This debt is not mine, and I have never received services from XXXX on the date in question. 
They are reporting a debt without proof of ownership or validation, which is an outright violation of the law. 
Violation of FDCPA ( 15 U.S.C. 1692e ) False or Misleading Representations Ability Recovery Services is misrepresenting its right to collect this debt, as it is not the legal owner. 
This constitutes fraudulent collection practices and deceptive reporting, violating consumer protection laws. 
Potential Re-Aging of Debt ( 15 U.S.C. 1681c ) If Ability Recovery Services or XXXX XXXX XXXX altered the date of first delinquency, this is a blatant attempt to illegally extend the reporting period, further violating 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 explanation
Consumer complaint received 2025-02-12 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 am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX 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 XXXX  actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the XXXX  recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed 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

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 2025-02-12 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: TX

Complaint narrative:
Date : XX/XX/year> To : Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX Dear Equifax XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under XXXX law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
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. 
I want the CFPB to publish this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX Transunion for XXXX XXXX XXXX Dear XXXX XXXX My name is XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am writing to file a formal complaint against Transunion for continuing to report inaccurate information on my credit report, despite having previously disputed these inaccuracies. 

In my initial complaint, I stated that Transunionwas not following the Fair Credit Reporting Act ( FCRA ). I had disputed several items on my credit report, including incorrect dates, amounts, missing payment history, and missing payments. I clearly marked these discrepancies and provided supporting evidence to Transunion. 

However, instead of correcting the inaccurate information, Transunion sent disputes to all of my credit card companies, causing them to close my accounts. As of today, XX/XX/year>, the following accounts have been affected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX cards All XXXX of my XXXX  XXXX cards I never disputed any of my accounts themselvesonly the incorrect information on these accounts. I have never missed a payment on these cards. Transunion actions have caused serious financial consequences and unnecessary mental anguish, as I now need to take additional time to write letters, send identification, and go through the cumbersome process of correcting errors that should have been resolved initially. 

I am requesting immediate correction of the inaccuracies on my credit report and the reversal of all actions taken by Transunion that have negatively impacted my credit accounts. This includes contacting my credit card companies and ensuring the reopening of any closed accounts that were improperly affected by these disputes. These accounts were never disputed or fraud this is destroying my good standing they did this without my consents and i want all comments removed I expect prompt attention to this matter and a clear response outlining the steps being taken to correct the errors. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was out of the country using my debit card for a taxi ride. the taxi driver charged my account XXXX and XXXX seconds apart from each other. I was unaware of these charges and continued my day until I went to lunch and returned to the airport in a different taxi cab to find out my card was denied. I called my bank, advised of the fraud and had them shut my card off. Hours later, I got home from my flight, saw the fraud on my computer and called my bank and open a fraud case. The fraud case was open for a month and a half and I was just advised that the fraud case was denied because my card was directly used. 
They are telling me theres nothing they can do Theyll provide no other further information and they will not do any further research into the fraud and basically stole my money again

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 2025-02-12 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: IL

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXXXXXX XXXX XXXX XXXX XXXX  {$56000.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 XXXX 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 not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam.The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I never authorized the inquiries your company has placed on 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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date.

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