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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Sent XXXX for transaction payment. Delayed Vendor account closed having same issue. They called their institution and money shouldve rejected and bounced back. Cant do anything because payment is pending on my end and has to clear before I make a claim

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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXXXXXX XXXX Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXX XXXX XXXXXXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, 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: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report issued by your bureau. The specific account in question is listed as XXXX XXXXXXXX XXXX XXXX with account number XXXX. 

Upon reviewing my credit report, I noticed a significant inaccuracy in the reporting of this account. Specifically : The payment history indicates charge-offs ( CO ) for every month in XXXX, XXXX, and XXXX, yet the balance and status appear unchanged as {$5200.00} since XX/XX/XXXX, when the account was first charged off. 
According to the provided details, the balance has remained the same with no further updates, and the scheduled payments were listed as {$0.00} during the same period, yet monthly charge-offs are still being reported inaccurately. 
This inconsistency suggests that the account is not being updated correctly and violates the accuracy standards set forth under the Fair Credit Reporting Act ( FCRA ). 

I kindly request an investigation into this matter and ask that the inaccurate entries, including the redundant charge-off notations, be corrected or removed promptly. Enclosed, I have included copies of my credit report highlighting the inaccuracies for your reference. 

Please provide me with a written confirmation of your investigation results and any updates made to my credit report. If you require further information or documentation to complete this dispute, feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX

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: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 Fraud 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
XXXX dollars was transferred to wrong person in the year of 2022. I was unable to speak with a live person but I filed a dispute via chat.

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
Ive had cashapp for so many years. Over the years Ive had 2 accounts and when people would send money it was to the wrong cashapp even though it has the correct name or I would send money to someone who has the same name but ended up not being the right person. I tried getting in contact with cashapp but at that time there was no number for me to contact them. As the years go by I slowly stop using the app as often. At one point it was my bank and I would have check get deposited in cashapp. But I heard way too many articles about cashapp. So I had to switch to a new bank. Now Ill send money to family now just because I know its them. Other than sending money to family or receiving money from family I dont use it. If I receive money on cashapp I instantly cash it out to my bank. But I feel having my bank card linked to cash app its still kinda risky

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: SC

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your reference.

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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have paid my bill on time with an automatic ach debit payment for over a calendar year and more on the twenty fifth of every month. XXXX social security number compromise. 

XXXX XXXX XXXX XXXX-This situation involves capital one, XXXX & 2025. All completed payments and listed transactions have been satisfied while the entire time it's never once reported a successful payment and over a few calendar years. 

I have disputed it numerous times and also have followed numerous guidelines and channels, to correct the information and continue the information to remain correct factual status. 

I have received XXXX Credit building ; positive remarks or notations. It's potentially negative status has done nothing but cause negative remarks and negative information to anyone inquiring. It needs to be adressed and a solution applied. The company still chooses to not accept liability and also because of that response, there has been XXXX change even as I continue to pay the bill every month in full to the agreed amount that both of us have signed integrade to both of us, meaning capital one and myself.As the consumer. 

XXXX ) XXXX the company experience contacted me over my chase bank credit app and mentioned there was a data breach in that my social security number was compromised.. 

This has caused unnecessary freezes on my account as well as alterations and um, and you know, financial adjustments that contributed to nothing but negative remarks and all things entailed. When situations like this occur on top of everything that has taken place. I have yet to receive Any settlement or compromise from the company Itself. i've been left with no one to talk to and no one accepting liability for the breach that occurred unbeknownst to me. Completely out of my control. 


Truly, 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AR

Complaint narrative:
I am filing this complaint to formally express my concerns regarding Zelle 's handling of disputes, especially with the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies financial institutions and Zelle failed to investigate my claims adequately. The stated that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding 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 transparency and accountability is unacceptable and raises serious concerns about consumer safety.

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 your payment plan
Company: Nelnet, Inc.
State: ME

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX grossly underestimated the actual cost of attendance, falsified job placement data and salary expectations. The financial advisor we were given to discuss loan repayment schedules went to jail for fraud. XXXX was also operating with limited accreditation and did not disclose this to current students at the time. 

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, 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 : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University 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 XXXX 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 XXXX XXXX XXXX Summary and Statements of Facts. 


Thank you for your attention to this urgent matter. 

Sincerely, Students & Graduates of 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : 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: 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, XXXX. ) XXXX tol equal 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 XXXX untair an & deceptive, as they XXXX hot " 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 2025-01-21 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filling a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing a complaint due to capital ones failure to deposit by direct deposit from my employer

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I am asking for your help to review these accounts from companies that are inaccurately reporting late payments. After losing my job, I requested forgiveness for these late payments, and they agreed, but they are still being reported as late. Ive reached out to them without receiving any updates, so I am turning to you as a last resort.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief