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

Complaint narrative:
Subject : URGENT DISPUTE FCRA VIOLATIONS XXXX XXXX XXXX Acct # XXXX RECENT CFPB ACTION AGAINST EQUIFAX Date : XX/XX/year> Dear Sir or Madam, This letter serves as a formal dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) regarding inaccurate, misleading, and potentially illegal information reported on my credit file for the following account : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Status : Collection/Chargeoff Nature of Dispute : Multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) DEMAND FOR IMMEDIATE CORRECTION 1. Credit Limit Discrepancy ( 15 U.S.C. 1681e ( b ) ) Equifax reports a {$0.00} credit limit while XXXX reports {$2900.00}. This inconsistency negatively affects my credit utilization ratio and must be corrected.

2. High Credit Inconsistency ( 15 U.S.C. 1681e ( b ) ) The high credit limit must be reported accurately and consistently across all bureaus.

3. Incorrect Account Status ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) If the balance and past due amount are both {$0.00}, the account must not be reported as Derogatory or Charged Off.

4. Illegal Re-Aging of Debt ( 15 U.S.C. 1681c ( a ) ( 4 ) ) The Last Reported and Last Active Dates have been fraudulently updated, violating the FCRAs seven-year reporting rule.

5. Failure to Mark Account as Disputed ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) This account must be marked as disputed immediately, as required by law.

6. Failure to Properly Identify New Creditor ( FDCPA 15 U.S.C. 1692e ) If the account has been sold or transferred, the current debt owner must be identified or the tradeline must be removed.

RECENT CFPB ACTION AGAINST EQUIFAX {$15.00} XXXX PENALTY TO CONSUMERS I reference the CFPBs recent enforcement action against Equifax, where the bureau ordered Equifax to pay {$15.00} XXXX t

o affected consumers for : Failing to conduct reasonable investigations of consumer disputes. Allowing previously corrected errors to reappear on credit reports. Not forwarding all relevant consumer information to furnishers during dispute investigations. These systemic failures prove that Equifax has been repeatedly negligent in handling consumer disputes. I demand immediate corrections to avoid further legal liability. FAILURE TO COMPLY WILL RESULT IN LEGAL ACTION If these errors are not corrected within 30 days, I will : File a formal complaint with the CFPB. Pursue legal action under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, and attorney fees. ENCLOSED DOCUMENTS Supporting evidence of inaccuracies. This letter serves as official notice under the FCRA. I expect immediate compliance.

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

Complaint narrative:
regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Here is the the account I am disputing and have been trying to get off my credit. Please remove them immediately. 
In collections XXXX XXXX XXXX XXXX XXXXXXXX  Current balance : {$1000.00} Last reported : 32 days ago XXXX Current balance : {$720.00} Last reported : 18 days ago XXXX Current balance : {$1200.00} Last reported : 13 days ago XXXX Current balance : {$3700.00} Last reported : 30 days ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My information was exposed in a data breach and I want answers now

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 2025-02-02 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 ( 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene The Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received notice in the mail that Comenity Bank will be closing my XXXX XXXX  store card on XX/XX/year>, due to the company going out of business due to bankruptcy. My account has been paid on time for well over the past year. There were missed payments prior to my account becoming current due to COVID and loss of income. Six months ago, I noticed that my credit limit was decreased by Comenity out of the blue. Now, I am being told my account would be closed. I am asking for a goodwill deletion of all missed payments being reported to the credit bureaus. This is the only card that I have as revolving credit and closing it will allow my credit score to drop. I may have had financial issues in the past that were beyond my control due to the pandemic, however, we all do, even corporations just as XXXX XXXX. I am asking for the missed payments to be removed from my account as I have worked very hard to maintain on time payments. I may not be fully aware of the financial troubles XXXX XXXX may be facing, however, I am asking that they understand my previous financial troubles as well and grant the removal of all missed payments before closing my account. Please understand that doing a good thing for your long term customers can help aid the healing and financial growth of possibly maintaining the corporation. This deletion would increase my chances of becoming a homeowner and still utilize the remaining stores to furnish my home. Please take this into consideration before closing my account. Thank you.

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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-02 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: LA

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 and reactivating my account though my bank 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 2025-02-02 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 writing to formally report that I have fallen victim to identity theft as a result of the XXXX data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of any fraudulent items appearing on my credit report.

As a victim of this breach, my personal information was compromised and subsequently used without my authorization. I demand that any accounts, inquiries, or transactions that are not legitimately mine be permanently deleted from my credit file without delay.

Please confirm in writing once these fraudulent items have been removed, and provide me with an updated copy of my credit report. Additionally, I request that my file be blocked from further fraudulent activity, as outlined by federal law.

Thank you for your prompt attention to this matter.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
Unauthorized transactions, tried to reach a live agent on several different occasions and was not able to come in contact with a live agent at no point in time. Accou t was closed without my permission or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was a XXXX member at the XXXX, Massachusetts branch for many years. I had noticed in my credit report that in XXXX, XXXX XXXX in XXXX, XXXX had listed my account as a Charge-Off. I tried disputing the matter through TransUnion since it had been 7 years and TransUnion denied it. I reached out to XXXX several months ago and they stated they never listed anything as a Charge-Off and that I was in good standing with them, so, I tried disputing the matter once more and TransUnion denied once again. I called XXXX on Friday XX/XX/XXXX and they said that my checking account had a negative balance of around {$150.00} and told them I had paid this off years ago and that no one notified me that I owed any money on the account. The sales representative spoke to collections department and collections said they said I didn't owe anything and was not sure why I had a charge off to begin with since I didn't owe anything. The supervisor of collections also couldn't see anything and couldn't figure out why I had a charged off account. This greatly upset me because it has impacted my credit for a long time and was falsely reported by the bank and had a false charge-off reported which is unacceptable.

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 2025-02-02 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: TN

Complaint narrative:
**Dispute of Negligence under Section 1681o of the Fair Credit Reporting Act** I am writing to formally dispute a violation of my civil rights related to negligent reporting under the Fair Credit Reporting Act ( FCRA ), Section 1681o. It has come to my attention that there is an error in my credit report, failure to correct inaccuracies, failure to investigate disputes properly, It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) (! ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
**Dispute of Negligence under Section 1681o of the Fair Credit Reporting Act** I am writing to formally dispute a violation of my civil rights related to negligent reporting under the Fair Credit Reporting Act ( FCRA ), Section 1681o. It has come to my attention that there is an error in my credit report, failure to correct inaccuracies, failure to investigate disputes properly, It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) (! ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The accounts that are in violation of my rights are listed below 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 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 non-monetary relief
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax 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 the following fraudulent accounts and inquiries : Auto Loan Account : Company or Organization : XXXX XXXX  Account Number : XXXX Date Fraud Began : XX/XX/XXXX Total Fraudulent Amount : {$39000.00} Personal Credit Card Account : Additionally, fraudulent hard inquiries have appeared on my credit report, originating from : XXXX XXXX XXXX XXXX These fraudulent accounts and inquiries have been reported on my consumer credit file maintained by Equifax and are the result of identity theft. I do not recognize these accounts or inquiries as legitimate, and they were not initiated, opened, or authorized by me. 

I have attached a copy of the FTC Identity Theft Report, case number # XXXX, as evidence that my identity has been compromised and that all the aforementioned consumer credit items are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
1.They have allowed blocked merchants charge my account and refused to refund on multiple occasions 2. My account numbers have been changed and money stolen and they refuse to help. They tell me to have my bank address it when it is their system failing.

3. They have refused to refund money and Bitcoin that disappeared multiple times.

4. They refuse to stop unauthorized payments even when they're caught prior to posting to my account.

I don't even know for sure how much money I've lost, but I know 1 thing ... of all the times they've been at fault they have never taken responsibility for losing or refunded the 1st penny.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.

Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Sezzle credit limit is not accurate Certain accounts are closed and still reporting on my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has a Shopping Trips Offers portal after logging into your account since I am a Venture X credit card holder. 

On XX/XX/XXXX, I was presented with an offer to earn XXXX miles via XXXX. The terms of the offer stated that I needed to follow the link, and submit my information to learn more about XXXX 's payroll services. I completed that. The shopping trip number is : XXXX Representatives from XXXX reached out to me to tell me more about the services and we have been corresponding back and forth. Unfortunately, Capital One didn't track the order, marked it as inactive, and I have not been awarded my XXXX miles. 

The contact information for the XXXX representatives who I have communicated with are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief