vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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:
I am writing to formally request the removal of a collection account from my credit file with your agency. The account in question has already been deleted by XXXX following a thorough investigation. For the sake of consistency and accuracy across all major credit reporting agencies, I kindly ask that you take the necessary steps to delete this account from your records as well. 

Details of the Account : Account Name : Complete XXXX XXXX Account Number : XXXX XXXX Date of Dispute Resolution with XXXX : XX/XX/year> As you are aware, under the Fair Credit Reporting Act ( FCRA ) ( 611, 15 U.S.C. 1681i ), consumers have the right to ensure that the information reported in their credit files is accurate and complete. Since XXXX has already removed this account, its continued presence on my reports with Equifax constitutes a discrepancy that undermines the accuracy and completeness required by law. 
Further, Section 623 ( a ) ( 1 ) ( A ) of the FCRA obligates furnishers of information to provide updates to all credit reporting agencies to ensure uniformity. The absence of this account on XXXX 's report indicates that the furnisher no longer deems the information accurate or reportable. Therefore, it should also be removed from my Equifax credit reports to maintain consistency and compliance with federal regulations. 

I request that you investigate this matter promptly and provide written confirmation of your findings. Should your investigation conclude that the account is accurate ( contrary to XXXX findings ), please provide the specific evidence and documentation that supports its continued reporting. 

To assist you in resolving this matter, I have enclosed : A copy of my identification. 
A recent utility bill verifying my address. 
Documentation of XXXX resolution confirming the account deletion. 

Please complete your investigation and provide a response within the 30-day period outlined in the FCRA ( 611, 15 U.S.C. 1681i ). Failure to do so would constitute a violation of federal law, and I reserve the right to escalate the matter if necessary. 

Thank you for your prompt attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am writing to formally file a complaint against XXXX regarding its failure to investigate inaccuracies reported on my credit report, as is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Despite my repeated submissions detailing the inaccuracies related to [ specific accounts or information in question ], XXXX has provided me with responses that indicate a lack of thorough investigation. Specifically, I have received notifications stating the accounts are accurate within 24 hours of my dispute submissions, without any accompanying evidence or clarification regarding the investigation process undertaken. 
The actions of XXXX not only violate the FCRA 's mandate for a reasonable investigation but also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The recent findings by the CFPB highlight the necessity for consumer reporting agencies to engage in fair practices, including comprehensive investigations into disputes raised by consumers. 

These are the following accounts XXXX XXXX XXXX ( reported on credit twice ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( reported on credit twice ) 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 2025-01-24 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: IL

Complaint narrative:
Wrong information on personal information. Wrong names. My middle name is XXXX they have my name with a middle XXXX XXXX Also has my last name spelled incorrectly my last name is spelled XXXX. I have a father, brother and cousin with the same name but different middle name so I need my report corrected. There is an inquiry for preferred credit and XXXX. I never gave these companies permission for inquiries. I used to have a XXXX account but that was several years ago. I have a social security number that is not mine on my personal information. Last digits of my social security number are XXXX. I believe there are probably so many errors on my account other than the ones stated in this complaint due to having many family members with the same first and last name.

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 2025-01-24 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: IL

Complaint narrative:
Wrong information on personal information. Wrong names. My middle name is XXXX they have my name with a middle XXXX XXXX Also has my last name spelled incorrectly my last name is spelled XXXX. I have a father, brother and cousin with the same name but different middle name so I need my report corrected. There is an inquiry for preferred credit and XXXX. I never gave these companies permission for inquiries. I used to have a XXXX account but that was several years ago. I have a social security number that is not mine on my personal information. Last digits of my social security number are XXXX. I believe there are probably so many errors on my account other than the ones stated in this complaint due to having many family members with the same first and last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/year> - Wells Fargo closed my BILT Rewards Mastercard XXXX I call and they said i would receive a letter in the mail explaining why my card was closed. 
XXXX I call and they cant find me in their system, i did not receive any letters in the mail.

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 2025-01-24 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: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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 am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws. 

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission. 
Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report. 
A lack of proper response to my repeated requests for item removal and verification of agreement. 
Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts. 

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting. 

I am requesting the CFPB to : Conduct a full investigation into this matter. 
Ensure that the fraudulent items and incorrect information are removed from my credit report promptly. 
Hold the credit bureaus accountable for their failure to adhere to consumer protection laws. 
Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed. 

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding persistent inaccuracies on my credit report. Despite multiple requests and providing substantial proof of identity theft, the credit bureaus have failed to address my concerns adequately and have not adhered to the protections outlined under federal credit consumer protection laws.

The issues on my credit report include : A loan that was fraudulently opened in my name without my permission.

Incorrect personal information, including an incorrect birthdate, unknown addresses, and unauthorized individuals listed on my report.

A lack of proper response to my repeated requests for item removal and verification of agreement.

Despite my providing evidence of identity theft, including [ list the specific documents provided, such as police reports, FTC identity theft reports, or other relevant documentation ], the credit bureaus have neither resolved the inaccuracies nor provided any proof of the alleged agreement that validates the fraudulent accounts.

This situation has caused significant distress and has had a negative impact on my financial standing. I believe the credit bureaus are failing to comply with the Fair Credit Reporting Act ( FCRA ) and other applicable laws that are designed to protect consumers from identity theft and unauthorized credit reporting.

I am requesting the CFPB to : Conduct a full investigation into this matter.

Ensure that the fraudulent items and incorrect information are removed from my credit report promptly.

Hold the credit bureaus accountable for their failure to adhere to consumer protection laws.

Enclosed with this letter are copies of my identity theft report, correspondence with the credit bureaus, and any additional documentation that supports my claim. Please let me know if further information is needed.

I trust the CFPB will take immediate action to address this issue and ensure that my rights as a consumer are upheld. Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
When I tried to open an account with Citibank online rather a checking account or a savings account it always says there is a technical problem sorry for the inconveniences when I call Citibank they make do a lot thing nothing works and when I tried to open it over the phone they have not able to do it I'm trying to figure out what is the best solution and when I tried to open in the branch after couple days they close it without telling me why

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 2025-01-24 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: CT

Complaint narrative:
Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time. Im making this complaint because I have tried my best to resolve my dispute with the credit reporting agencies yet this have ignored my request to investigate the errors reporting on my behave. I have gave the reporting agency ample time to investigate and provide me with the investigation results yet they have failed time after time.

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 2025-01-24 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: ID

Complaint narrative:
I DEMAND THAT THESE HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal keeps allowing overdraft fees to hit my bank account. After many in-face discussion 's with their team member. The account will show that is Im getting charged overdrafted fees when the money is in the system but not in the system at the same time. Ill pay the bill either on due date or a prior date and I will still get hit with an extreme overdraft fee or an interest fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I transferred {$2200.00} to XXXX XXXXXXXX through Chime for a purchase of a XXXX XXXX XXXX which is what I entered in the Note. It went to the wrong XXXX XXXX. I contacted Chime and they told me that they were unable to refund me. They told me that I needed to contact the receiver directly. However, it went to the wrong person and I do not have the receivers information and they can not provide their contact information. On XXXX, XXXXXXXX XXXX, I noticed this amount shows " expired '' which Chime told me that happens when the user never claims the money. So, I contacted Chime again and they told me that the funds went into the users account and they can not recoup the funds. And they still refused to provide me with the information of the receiver. I need the information to seek legal action on the receiver. Chime should have been able to assist me since this was a large sum of money that went to the wrong receiver. Chime states that the receiver still has the money in his account but they refuse to give me the receivers information to contact them to return the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

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