vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXXXXXX XXXXXXXX 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 XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of ID, Proof of Address, Supporting Documents ]

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 2025-01-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XX/XX/XXXX {$XXXX} XXXX  XXXX XX/XX/XXXX {$XXXX} XXXX  XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XXXX XX/XX/XXXX {$XXXX} XXXX XXXX XXXX XX/XX/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 2025-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When my income based student loan payment ( IDR ) came up for renewal for the first time, I believe the summer of 2017, instead of getting an email ( or letter ) stating that a renewal application was due, I received only an email saying there was a new document available to be viewed in my online account. The wording in this email was so similar to the generic language included in my monthly billing statement, that I did not realize the document it referenced was a notice about the renewal process and deadline for continuing in IBR. I then received a billing statement for approximately {$2000.00} instead of the approximately {$500.00} I had been paying with IBR, as I had missed the renewal window. When I called Navient in a panic because I could not afford the higher monthly amount, the representative on the phone told me it would be no problem to pause my payments for a month or two so I could reapply for the IBR program. No warnings about the implications about the pause were provided and I agreed and was approved for IBR and back down to my normal payments within 2 months. At no time was I informed I was bring placed in a forbearance that would cause my entire loan balance to by recapitalized, increasing the cost of my loans but more than {$50000.00}. It wasn't until I was reviewing my loan details months later that I realized what had happened. The capitalization has essentially guaranteed that I will never cover more than the interest payments on my loans during the 20 years of payments I'll be making. I believe Navient engaged in misleading and predatory practices by offering a " pause '' at the push of a button over the phone with no explanation about the consequences and no paperwork spelling out the capitalization process that it would trigger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-27 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 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 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 2025-01-27 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: IN

Complaint narrative:
My consumer laws have been violated. Equifax has breached my data and my personal information has been compromised. My banking information has been compromised and I was forced to open a new checking account on XX/XX/year> after hackers made several attempts to contact XXXX to access my account. My social security number has been found on the dark web. Old addresses are listed on my credit report as well as inaccurate information. I am unable to sign up for any credit repair services through Equifax because apparently the deadline has passed. This is certainly unfair since my information was leaked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have previously contacted XXXX XXXX regarding correcting and deleting information on my consumer report. I have disputed this information and XXXX XXXX continues to report this information that I have stated is incorrect. They are in clear violation of the law, under15 USC 1681b. Permissible purposes of consumer reports. The Law Clearly States ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my my consumer report? Furthermore, the Fair Credit Reporting Act 5 USC 1681 ( 2 ) ( a ) ( i ) : Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; Delete Late payments from my consumer reports this agency is in violation of15 USC 1681 et seq. , governs access to consumer credit report records and promotes accuracy, fairness, and the privacy...

They continue to report disputed inaccurate information on my consumer report and they have failed to respond to my request. 

The following information has been disputed XXXX  Inquiry not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry not authorized Ally XXXX This account was never late, never reported late but has been charged off an account can not be charge off unless it has been late. 
Capital One Auto Finance XXXX report late payments on my consumer report which is a violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Text contains those laws in effect on XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX Late payments reported MI XXXX XXXX XXXX XXXX Late payments reported XXXX XXXX XXXX XXXX NO PARKING this account is on my report and I have contacted this collection agency along with XXXX XXXX and they continue to report an account that I was never notified about and I have never had an account with this collection company. 
The following addresses continue to report on my consumer report after I have disputed them they do not belong to me. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/XXXX I sent {$720.00} from my XXXX account to my Current Banking account. I then XXXX that money to my girlfriend. On XX/XX/XXXX I get overdrafted by my bank ( Current ). I chatted with their support and asked numerous times why they overdrafted me and they would always change their story and gaslight me. So I filed a dispute and they finally got back to me saying they found no error and I will not be receiving my {$700.00}. It even shows on my bank statements that I had a balance of {$0.00} then I deposited {$720.00} on XX/XX/XXXX and right after I XXXX my girlfriend it shows I have a XXXX i dont know how they are failing to see this error. My bank is scamming me. Its so scammy to say that funds were reversed back to XXXX XXXX XXXX is telling me they absolutely did not. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission please remove this negative item, also see 18 USC 1028A, 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: AZ

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX I had a trade in which was my Jeep financed with XXXX XXXX. The Dealership signed a Title Transfer, Power of Attorney, Bill of Sale and etc for the XXXX. 

A couple months later while I am at military training in the middle of the desert with XXXX reception in some places at XXXX XXXX XXXX XXXX XXXX XXXX training for upcoming XXXX, I got a notification that I am past due on payments for the XXXX. THE DEALERSHIP TOLD ME they were in charge of sending the full pay out amount to dealership to pay off the remaining of the load. Turns out that they either screwed me over or they lost the payment multiple times that was mailed to XXXX XXXX. 

After multiple attempts to contact dealership and XXXX XXXX about payment I kept getting the circled around. 3-4 months later payment is received from dealership to XXXX XXXX XXXX This is out of my control and I tried everything I can in my power. You are telling me that after an exceptional payment history on the XXXX loan from XXXX XXXX, I all of a sudden decide to not pay for the loan and screw up my credit?! Note that I am traveling back and forth for XXXX  XXXX  and trying to get this resolved. 

Filed multiple disputes and explaining how is this my fault? Everything out of my control, getting circled around from dealership to XXXX XXXX. The dealership really screwed me over and I do not know what to do about it, but one thing is certain that I would not miss a payment to screw up my credit on purpose. 

Now here I am XXXX XXXX XXXX since mid XXXX still trying to get this disputed and taken away from my credit report. Tried contacting XXXX XXXX and my account does not show up in there system as it is CLOSED. I call and enter my social and I keep getting the account not on file and etc. I tried filing a dispute and get the same result of it remaining on my credit.

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 2025-01-27 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: MD

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report. I do not recognize or authorize these inquiries, and I believe they are the result of a recent data breach. My personal information was compromised in the massive XXXX XXXX XXXX breach that occurred in the United States, where XXXX XXXX consumers ' information was leaked and sold. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not recognize and certainly did not authorize. These unauthorized inquiries are likely a result of the data breach and must be removed immediately to prevent further damage to my credit. 

Below is a list of the unauthorized hard inquiries and their corresponding dates that I am disputing and requesting to be deleted from my credit report : 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 XXXXXXXX To support my claim , I have attached a copy of my Federal Trade Commission ( FTC ) Identity Theft Report. Additionally, upon checking the XXXX XXXX XXXX XXXX site, it was determined that my information was leaked and sold. I have also attached a screenshot from the site as further evidence. 

I am demanding that these unauthorized hard inquiries be deleted from my credit report immediately. I request that you notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the corrections have been made. 

Please address this matter with urgency and respond within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. Should you require any further information or documentation from me, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NY

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXXXXXX 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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX is filing a CFPB complaint to request that the credit reporting agencies XXXX, Experian, and XXXX XXXX and delete fraudulent information from their consumer credit reports under FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent items in question are : A home service account opened at XXXX on XX/XX/XXXX. 
A collection account from XXXX opened on XX/XX/XXXX, with a balance of {$670.00}, which appears related to the XXXX account. 
XXXX does not recognize the above accounts or collections, stating they were not opened or initiated by them and are the result of identity theft and fraud. To support this claim, XXXX has attached a copy of the FTC Identity Theft Criminal Complaint ( Case # 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 2025-01-27 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: MD

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency ( Experian ). The list of items remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history. See Below Report number, Date and accounts in question. 

Report Number : XXXX Date 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 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