vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
Ive lost alot of money for no reason because it randomly takes money out its getting annoying im not buying anything but im losing money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CA

Complaint narrative:
I had a Zelle account and I sent someone else money on accident and when I tried to get my funds back they said it was nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Information on my XXXX and Equifax report is inaccurate. With XXXX XXXX account number with Experian XXXX account number with Equifax XXXX and both amounts are {$420.00}. 

account with XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that XXXX an XXXX is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights XXXX 's ongoing failure to comply with legal obligations to correct and report accurate information. 

As part of this demand, I request the following ; I'd like a XXXX XXXX XXXX. I'd also like a Chain of Assignment. 

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter. 

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, 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 2025-01-21 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Cease and Desist Demand and Request to Correct Inaccurate Reporting To Whom It May Concern : I am writing to formally demand that you immediately cease and desist from reporting inaccurate information on my credit report. Specifically, the information in question includes a derogatory mark of XXXX XXXX, as this account has been closed, yet it still keeps recurring on my credit report. XXXX XXXX XXXX XXXX XXXXXXXX, Account type Credit Card, has been charged off, yet you still are reporting this account as OPEN. These inaccuracies have cause significant harm to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., I have the right to dispute any information that is incorrect, or unverifiable, and I expect a timely and thorough investigation. Despite previous attempt to resolve these inaccuracies, they remain unaddressed, which constitutes a violation of my rights under the FCRA. 

Furthermore I am aware that XXXX an Equifax is currently being sued by the Consumer Financial Protection Bureau ( CFPB ) for noncompliance with the FCRA and other consumer protection laws, including mishandling consumer disputes and providing misleading information. This lawsuit highlights XXXX 's ongoing failure to comply with legal obligations to correct and report accurate information. 
As part of this demand, I request the following ; I'd like a Forward Flow Agreement. I'd also like a Chain of Assignment. 

1. Immediate correction from all bureas or removal of the inaccurate information from my credit report as required by 15 U.S.C 1681i ( Investigation of Disputed Information ) 2. Cease and desist from any further communication with me, except as required by law or to confirm the resolution of this matter.

Failure to address this matter within thirty days of receipt of this letter will leave me no choice but to escalate my complaint to the CFPB and pursue any additional legal remedies available to me under the FCRA. 

Please provide written confirmation of your compliance with this demand with the stated timeline. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX has made 12 unauthorized inquiries on my credit report report over the past several years,

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
on XX/XX/XXXX they sent over a text about a debt with the option to text stop and opt out. I respond stop On XX/XX/XXXX they send me another text message slightly different wording. I informed them again i would be filing a complaint and to leave me alone. 
On XX/XX/XXXX they sent me another text message. All communication has been done over text from the same phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: MD

Complaint narrative:
Subject : Complaint Against Chime Failure to Fulfill Promotional Bonus To Whom It May Concern, I am filing this complaint against Chime, a financial technology company, regarding their failure to fulfill the terms of a promotional bonus offer associated with the opening of a Chime checking account. 

Summary of the Issue : On XX/XX/year>, I opened a Chime checking account through a promotional link provided by XXXX XXXX XXXX, XXXX ). The promotion promised a XXXXXXXX XXXX bonus upon meeting the following criteria : Opening a Chime checking account through the promotional link. 
Completing two direct deposits of {$200.00} or more from an employer. 
Actions Taken : Chime Account Enrollment Date : XX/XX/year>. 
Payroll Direct Deposits : First deposit : {$200.00} on XX/XX/year>. 
Second deposit : {$200.00} on XX/XX/year>. 
ID Verification : Completed on XX/XX/year>, using a state-issued ID via the secure link provided. 
Problem Details : Despite fulfilling all promotional requirements, including completing payroll direct deposits and verifying my identity, Chime has failed to confirm eligibility or communicate with XXXX to ensure the bonus is processed. Multiple attempts to contact Chime for clarification have resulted in no action or acknowledgment. 

This lack of accountability and communication demonstrates poor customer service and raises concerns about deceptive marketing practices. 

Desired Resolution : I am seeking the following resolutions : Confirmation from Chime that I have met the requirements for the promotion. 
Immediate communication with XXXX ( XXXX, XXXX ) to ensure the promised bonus is credited to my account. 
An explanation for the delays in addressing this matter. 
I also request that Chime reviews its promotional practices to ensure better transparency and accountability for future offers. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$91000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 adress 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 Electric 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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing School & Loan Server Compliance, We are writing as a collective group of defrauded students and alumni who attended XXXXXXXX XXXX, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted.

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in 26 states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations Borrower Defense Executive Summary and Statements of Facts.

We are asking you to take immediate steps to : 1. Approve all outstanding Borrower Defense applications for students who attended these institutions.

2. Discharge all loans associated with fraudulent practices, including consolidated loans.

3. Repair borrowers credit reports to reflect the removal of these fraudulent debts.

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it.

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays.

Thank you for your attention to this urgent matter.

Sincerely, Students & Graduates of XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CO

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 the 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 has raised serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
TransUnion and XXXX are still showing collections accounts when I have had them deleted from XXXX. 

XXXX XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX {$100.00}

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 2025-01-21 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: WA

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( 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 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 a personal credit card at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXXXXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal credit card opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX RE XXXX Remove a collection The purpose of my letter is to dispute the following collections that are wrong and unauthorized. Please remove it from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

Name : XXXX XXXX Date created : XXXX XXXX Balance : {$240.00} Creditor : 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 2025-01-21 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: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
Transworld placed a collection on my credit report with all 3 bureaus. I wasn't aware of this collection until I was in the process of applying for a HELOC ( which I was denied ). When I reached out to them ; the address they had was for an address that I haven't lived at since XXXX. I was informed the original creditor was XXXX XXXX ; which I haven't had a XXXX network account since XXXX maybe and it was for my current address. I am in good standing with XXXX I have lived at my home for 17 years. The representative from Transworld proceeded to ask me if I knew anyone from that town. I didn't understand what difference that would make. I haven't allowed anyone to use my name for any credit or accounts. I have disputed this account several times and the results are the same. Verified. But I haven't received any documentation that I have requested. The original contract etc. This is the only blemish on my report ; I have tried very hard to maintain acceptable credit and relationships with all my creditors. I don't feel this is fair to me to be responsible for an obligation that is truly not mine.

Company response to consumer: Closed with explanation