vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist is not reporting my credit card to XXXX. This effects my credit score standing when I try to get 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 2025-02-01 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft clai

m. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : INQUIERES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-02-01 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: SC

Complaint narrative:
Experian has failed to fulfill its legal ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my consumer credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my previous experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, along with the numerous previous complaints filed with CFPB has caused me ongoing harm to my credit standing and I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and right to privacy as a consumer.

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 2025-02-01 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: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX XXXX. I'm asking that this information be corrected or deleted immediately from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX XXXX. I'm asking that this information be corrected or deleted immediately from 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 2025-02-01 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5300.00} Collection Inquiries XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/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 2025-02-01 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
one main financial is reporting things on my credit report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 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 the Electronic Fund Transfer Act, and Regulation E.

These actions have called significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) do to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, cash failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The address : 1XXXX XXXX XXXX XXXXXXXX, NJ, is incorrectly associated with my name and credit report. I am a survivor of XXXX XXXX and this information is not mine.

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 2025-02-01 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 2025-02-01 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: MS

Complaint narrative:
After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. I am not liable for the debt amount of XXXX with XXXX XXXX account number XXXX I do not have a contract with I do not have a contract with XXXX XXXX, they did not provide me with the method of verification or purchase agreement showing that this account belongs to me. According to the FCRA 15 USC 1681i. They must provide me with documentation that this debt belong to me.

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 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I contacted XXXX on XXXX via telephone 14 times that I documented and sent a written dispute to them via email. They said I owed money for painting an apartment when my daughter moved out, for which I was a guarantor. She lived in the apartment for 3 years and left it spotless. They would not do a walk through upon move-out and we don't know what they did in the weeks while the apartment sat empty. They never sent any proof for the reason they wanted {$150.00}. They subsequently sent the debt to Genesis who harassed me over the phone. I told Genesis that the debt was not valid and to send me documentation in writing. They never did and instead reported the incorrect debt to the credit bureaus. 

My calls from Genesis : * XX/XX/year> at XXXX : Received a call and when I asked for the last name of the person calling me, she said " does it matter '' and hung up. 
* XX/XX/year> at XXXX : Spoke to XXXX XXXX and asked for identifying information and I would not provide it over the phone as I did not know who I was speaking and I did not have any proof of a valid debt. He ended the call. 
* XX/XX/year> at XXXX : Spoke to XXXX who would not provide his last name. I told him to send a written debt validation letter. He said he would not do that and requested my personal identifying information that I would not share with someone calling me over the phone. 
* XX/XX/year> at XXXX : Would not provide their name. I told them not to contact me via phone and to send me documentation of the debt as it was not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I filed a dispute on XXXX XXXX XXXXXXXX because I had already returned the merchandise. I was then able to speak with the merchant and I was told that my refund can be issued once the dispute was canceled. I called Chime and the agent said that I am not able to cancel the dispute because it was too late in the process. A few days later, I received an email from Chime notifying me that my dispute has been denied. I then contacted the merchant and sent a copy of that notification, but the merchant stated that the bank will have to send them a notification or some of that sort to show that it is clear on their end. Since then, I have spoken to numerous Chime agents who are not willing to understand my situation to help including a supervisor who refused to help and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: PR

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB laqsuit highlighting signifiant 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 repeated 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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Credence RM Subject : Dispute of debt collection REQUEST FOR VALIDATION Dear Credence RM XXXX writing to formally dispute the debt referenced in your letter dated XX/XX/year> regarding account showing on credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide written validation of this debt, including the following information : 1. Proof that I owe the debt, including a copy of the original creditors documentation.

2. A detailed breakdown of the amount claimed, including principal, interest, and fees.

3. Proof that your agency is legally authorized to collect this debt. 

Until I receive this information, I am requesting that all collection efforts, including reporting this debt to credit bureaus, cease immediately. If this debt is not validated within the required timeframe, I expect it to be removed from my records. 

Furthermore, if this debt is not mine or is incorrect, I request that you correct your records and notify all credit reporting agencies to remove any inaccurate information. 

Please confirm receipt of this letter and provide the requested documentation at your earliest convenience. I prefer all communication regarding this matter to be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
Fraudulent inquires on my transunion credit report.. I would like them remove because they were not authorized by me. They made over 50 fraudulent inquires

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 2025-02-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint regarding inaccurate and incomplete reporting of credit inquiries to the credit bureaus. 

The issue involves two separate businesses that reported credit inquiries to the credit bureaus without including the type of business associated with the inquiries. While the inquiries were reported, the absence of this crucial detail results in incomplete and potentially misleading information on my credit report. This omission has led to discrepancies between the reports at XXXX, XXXX, and XXXX, with some reports missing the business type altogether. 


Despite multiple attempts to have both businesses correctly report the missing business type, this issue persists with separate inquiries from each business. This failure has caused confusion, and I am concerned that it may negatively impact my credit score or cause future lenders to misinterpret the nature of these inquiries. 


The missing business type is an essential piece of data that affects the accuracy of my credit report. The incomplete reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate, complete, and fair. 


I am requesting your assistance in ensuring that both businesses correct the reports to include the proper business types for the inquiries, and that the credit bureaus update my credit report accordingly. Additionally, I would appreciate any investigation into the potential negative impact on my credit score caused by these errors.

Thank you for your attention to this matter. I look forward to your support in resolving this issue and ensuring my credit history is accurate.

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 2025-02-01 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
ALLY FINANCIAL INQUIRY DATE WAS XXXX XXXX, RAN MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. 

ALLY FINANCIAL Important dates Inquiry date XX/XX/XXXXXXXX  Removal date XXXX XXXX Additional details Business type Auto Financing Contact info Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
please reinvestigate these matters and delete or correct the disputed information as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
please reinvestigate these matters and delete or correct the disputed information as soon as possible

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-02-01 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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