vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 ) ( 1 ) 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. 
I disputed an inaccurate item on my credit report with [ Experian ] on [ XXXX XXXX XXXX  ] under my rights granted by 15 U.S.C. 1681i, which requires a timely investigation. Despite providing supporting documents, the bureau failed to properly investigate or correct the inaccurate information within the 30-day period required by law. This violation has caused financial harm, including denial of credit, increased interest rates, emotional distress, etc. 
I trust the CFPB will take appropriate action to ensure compliance with federal law and protect consumer rights. Please provide an update on the status of my complaint as soon as possible. I can be reached at XXXX for any further information.

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 2025-01-30 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: UT

Complaint narrative:
Ive attempted to resolve these issues by contacting XXXX through disputes on XX/XX/XXXX regarding world finance for the amount of {$350.00} but Ive never received a debt validation letter also the amount changes every time I speak with someone over the phone on XX/XX/XXXX. XXXX XXXX XXXX XXXX has also never given me a notice of this balance of {$600.00} and now its gone up to {$760.00}. I have attempted to contact XXXX though disputes, letters and phone calls to have them look into closed world financing and XXXX XXXX XXXX XXXX that are reporting as late but its always coming back a valid ( XX/XX/XXXX ) which I dont understand if they are closed accounts. I truly believe something is not adding up with my credit reporting regarding all 3 accounts

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 2025-01-30 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: UT

Complaint narrative:
Ive attempted to resolve these issues by contacting XXXX through disputes on XX/XX/XXXX regarding XXXX XXXX for the amount of {$350.00} but Ive never received a debt validation letter also the amount changes every time I speak with someone over the phone on XX/XX/XXXX. XXXX XXXX XXXX XXXX has also never given me a notice of this balance of {$600.00} and now its gone up to {$760.00}. I have attempted to contact XXXX though disputes, letters and phone calls to have them look into closed world financing and XXXX XXXX XXXX XXXX that are reporting as late but its always coming back a valid ( XX/XX/XXXX ) which I dont understand if they are closed accounts. I truly believe something is not adding up with my credit reporting regarding all 3 accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Midland took over a collection from XXXX XXXX XXXX. I have been having financial difficulties which is why I couldnt pay anymore. The most I could pay is {$5.00} a month. Im not paying theyre collection fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
It happened XX/XX/year> my phone was stolen and the person sent money from my account to theirs. They where arrested and I got my phone back but not my money and I contacted cash app and they said there was nothing they could do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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 2025-01-30 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I started months ago to have XXXX remove two credit cards ( XXXX XXXX and CBNA ) from my credit report, that doesn't belong to me. I have advised them that this debt belongs to someone else and for some reason they are insisting that it mine. I ask them to provide the orginial contract the I signed with these companies and they have fail to product the contracts. I need this debt to be removed from my credit report immediately.

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 2025-01-30 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: NY

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 issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions 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 2025-01-30 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: FL

Complaint narrative:
Disputing collection accounts on my credit report from Experian did dispute a year ago received notification it is mine asked for roof of investigation namely what was done to investigate and also what process was used. I received no follow up response the items still remain on my bureau and they are affecting me and my score They are also reporting me as deceased when I am not I have been fighting with them to get that removed and updated as well as my personal bio

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: TN

Complaint narrative:
A collection company keeps calling me no matter how many times I ask them to remove my # as I am not the person they are seeking. I have had my phone # for over 20 years. Yet they continue. They will not share the file with me because I can not verify the information, which is because it is not me. They are looking for an XXXX XXXX and my name is XXXX XXXX. I also get the calls multiple times a day, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: HI

Complaint narrative:
I am filing A complaint against Cash app ( Block , Inc ) due to an adequate 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Iam filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The account was satisfied. I did not received a 1099C. I paid this account so it is no longer in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX, 2024 REGIONALAC Banking Creditor information REGIONALAC XXXX XXXX XXXX XXXX XXXX, NY 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
I noticed a new account on my credit report which took at least XXXX point of my credit on the top of it appears in my credit report all of them XXXX, TransUnion, experian affecting me in a really disgusting way. This account doesnt belong to me its been opened illegally and reported to that lender. You demand Im under the law the inmediate removal of this item account that I dont reconize as mine. Searching the internet I have found that this SELF company through XXXXXXXX XXXX is misleading people offering a credit builder account that instead increasing the score take points and it appears on my credit as an installment loan which I ever authorized or have use or recieve from them.

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 2025-01-30 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: FL

Complaint narrative:
I noticed a new account on my credit report which took at least XXXX point of my credit on the top of it appears in my credit report all of them XXXX, XXXX, experian affecting me in a really disgusting way. This account doesnt belong to me its been opened illegally and reported to that lender. You demand Im under the law the inmediate removal of this item account that I dont reconize as mine. Searching the internet I have found that this SELF company through XXXXXXXX XXXX is misleading people offering a credit builder account that instead increasing the score take points and it appears on my credit as an installment loan which I ever authorized or have use or recieve from them.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, my grandmother completed a transfer from her XXXX XXXX XXXX XXXX account to my Regions account in the amount of {$2000.00}. We have gone around and around with both financial institutions, providing documentation of the funds being transferred out of the account. We have also provided Regions with paperwork detailing the funds showing as received. However, the {$2000.00} was never credited into my account, and Regions employee XXXX XXXX was recently instructed by her leadership to ignore any further emails received from us in regards to this issue. We have notes and emails that we have generated and sent over the past XXXX months with no resolution or replacement of the {$2000.00}.

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 explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$4700.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates 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 2025-01-30 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: UT

Complaint narrative:
I am submitting this complaint against Experian for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically its failure to block fraudulent accounts from my credit report as required by 15 U.S.C. 1681c-2 ( a ). Since XX/XX/XXXX, I have repeatedly disputed these fraudulent accounts and provided all legally required documentation, including a valid identity theft report, government-issued identification, proof of address, and a formal written request identifying the fraudulent accounts. Despite this, Experian has failed to conduct a proper investigation and continues to unlawfully delay my request by forwarding it to the furnishers for verification, a clear violation of federal law. 

Furthermore, instead of complying with its legal obligation to block the fraudulent accounts within four business days, Experian has wrongfully accused me of misrepresentation without providing any specific evidence to support its claim. This refusal to investigate properly and failure to provide a detailed response constitutes willful noncompliance under 15 U.S.C. 1681n. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Account No. XXXX {$300.00} XXXX XXXX Account XXXX. XXXX {$7200.00} XXXX XXXX Account XXXX. XXXX {$11000.00} XXXX XXXXXXXX XXXX  XXXX Account XXXX. XXXX {$4200.00} XXXX XXXX / GVFP Date Opened : XX/XX/XXXX Experians failure to remove these fraudulent accounts, its improper reliance on the furnisher verification process, and its baseless accusations of misrepresentation violate my rights under the FCRA. I request immediate regulatory intervention to compel Experian to comply with federal law, block the fraudulent accounts, and provide a detailed written response explaining its prior failure to do so. If this issue is not resolved promptly, I intend to pursue legal action against Experian for its continued disregard of my consumer rights.

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 2025-01-30 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: Opportunity Financial, LLC
State: TX

Complaint narrative:
I have closed my XXXX XXXX Checking account because of fraudulent activity that was not authorized by myself, XXXX XXXX, and I am wanting to move any hard inquiries from my credit history report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Bank unlawfully misled consumers about its XXXX XXXX accounts and obscured its higher-interest savings product from them

Company response to consumer: Closed with explanation