vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
This complaint is concerning my account with cash app. My records indicate that a place called XXXX XXXX  XXXX XXXX Attempted to take out {$97.00} on XX/XX/year>. I did not have the funds in my account at the time and I was not aware of them trying to take that out of my account So luckily they were unable to at the time. on XX/XX/XXXX they did debit {$97.00} from my account. On XX/XX/XXXX I contacted cash app and made a dispute they canceled my card reissued me a new card and a newAccount number I believe. I can't remember the exact date I called them again to check on my dispute At this time they had told me thit could take up to 45 days. XX/XX/XXXX I received an email saying my dispute was resolved {$5.00} From XXXX com bill. So I'm pretty sure I called them Again around XX/XX/XXXX I explained to them that I had disputed a charge for {$97.00} from A place I never signed up for never provided my information too which is the XXXX XXXX XXXX XXXX place. And that I never filed a dispute for XXXX For {$5.00}. At that time they told me that my dispute was never put in on XX/XX/XXXX and they had given me a dispute number and they said that was the same number for my case. I do not currently have that I will have to look for It. So then I see on XX/XX/XXXX and XXXX 2025 that the same company XXXX XXXX XXXX RE Attempted to take out {$100.00} Out of my account. I don't understand how they got my account information again if my card was canceled and I was issued a new one. Currently at this time I am not heard anything back from cash app About my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: VA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 2025-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC
State: TX

Complaint narrative:
I received a settlement Offer on a loan that I did not take out. It is fraud. 
Balance Credit current loan balance XXXX Balance credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX They keep calling me and Harassing me about this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit profile and seen some inquiries that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received my credit report for the new year I have addresses and jobs that I have never been affiliated with on my report my only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting a Bankruptcy and when I contacted tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they informed me they never share this information. So, when I disputed the information the XXXX bureaus said I needed to reach out to XXXX who reported it to them I then asked for written consent as to why is this information being shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I received my credit report for the new year I have addresses and jobs that I have never been affiliated with on my report my only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are reporting a Bankruptcy and when I contacted tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they informed me they never share this information. So, when I disputed the information the XXXX bureaus said I needed to reach out to XXXX who reported it to them I then asked for written consent as to why is this information being shared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information on my credit report, as the results of your recent investigations have not resolved the inaccuracies I identified. 

Despite my previous requests for investigation, the following information remains inaccurately reported on my credit files. 
Experian : XXXX XXXX Equifax : XXXX XXXX XXXX : Not Reporting | have provided documentation to support my claims, but your investigations have not been thorough, and the inaccuracies persist. It appears that due diligence was not exercised in reviewing my disputes, and I believe my rights as a consumer have not been upheld. 

I request an immediate review of this matter, including a thorough investigation into the inaccuracies mentioned above. I expect a prompt response detailing the findings of your investigation and the actions you will take to correct my credit report. Thank you for your attention to this matter. Ilook forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
This company is reporting that a car loan that isnt even mine was written off as a loss. They have not provided me with a 1099 C proof of sale at auction a wet signature belonging to me or anything else validating this debt. They are in direct violation of my rights and if this debt isnt removed I will be pursuing litigation against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Subject : Incorrect Credit Score Calculation After Dispute Resolution To Whom It May Concern, I am filing a complaint against Experian due to an incorrect calculation of my credit score following a dispute resolution. 

Issue Summary : My student loans were previously duplicated on my credit report, inflating my total debt and damaging my score.

I successfully disputed the duplicate loan with all three credit bureaus, and the extra accounts were removed on XX/XX/year>. 
Instead of my credit score increasing after the correction, it dropped further by XXXX points due to an incorrect calculation of my payment history. 
My credit report now states that my percentage of on-time payments has decreased by 13 %, even though I have never missed a payment. 
The only reason this percentage dropped is because the duplicate loan ( which had a perfect payment history ) was removed, falsely making it appear as though I have fewer accounts in good standing. 

Experians Failure to Allow a Dispute : I attempted to dispute this issue with Experian directly, but they refused to allow me to file a dispute online because it does not involve a specific account. 
I was forced to submit a written dispute via certified mail, delaying the resolution of this issue. 

How This Is Impacting Me : Due to this unfair and incorrect score drop, I may be unable to qualify for an SBA loan for my business, which relies on my credit score.

I am being penalized twiceonce for the credit bureaus mistake ( duplicating my student loans ) and again after the correction ( for removing an inaccurate but positive payment history ). 

Resolution Requested : I am requesting that Experian recalculate my credit score to accurately reflect my true payment history, ensuring that my on-time payment percentage does not decrease due to the removal of a duplicate account.

This is a clear failure of proper credit reporting under the Fair Credit Reporting Act ( FCRA ) and is directly harming my financial opportunities. I request that the CFPB investigate this issue and require Experian to correct their calculation. 

I would appreciate a written response confirming the resolution of this matter as soon as possible. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: MI

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 the consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Complaint against Ford motor credit This update on my Complaint Ford repo my car when I call and made payment arrangement. Knowing I was in the hospital twice this year. They said they will work with me. At the beginning of the week I said I will pay half what I owe and the other half on Thursday. A day before I was going to pay they repo my car. Even when I been in contact with them. Leaving me strand it with no way for me and wife to get to work. No way for us to get around at all. Or to get my wife to doctor appointments and treatment. No way to get food. We only have XXXX car. We do not live my public transportation. 

After they repo my car I call to find out why. When I set up payment arrangement and was told. Payment arrangement means nothing to them. It's the system that said the car needs to be repo. 

When i was willing to pay to get my car back. At 1st Ford said noni can't get my car. 

Then they said after I explain my story I could get my car yesterday. When I was on my way to pay and get my car. Ford change there mind and said I need to pay the whole loan off to get my car. I explain how can I do that. I don't have that money. I am paying for my wife medical care. I am still trying to save money to pay the hurricane damage I had few months ago. Plus I was in the hospital recently. I was told that is not there problem and said they refuse to help me out. That I will have to pay the whole loan off. The people I spoke to was so heartless. 

Yet they still want to hold me liable for the vehicle. If they don't release it to me. I even negotiate and told them I am will to give monthly payment in advance. 

What i would like ford to do is rel6the car to me and allow me to still make monthly payments. 

If ford does not agree to the monthly payments for my loan and not give me back that car. Then ford should release me from any liability of me owning them anything. Knowing i'm willing to continue my monthly payment and pay in advance. Because the thing here is i'm not refusing to pay. I'm just not. 
Going to pay the entire loan off. I would like to continue making my monthly payments on my loan and get my car back. 

I want ford to remove a negative on my credit report. Knowing I call them in advance working out a payment plan. 

I just want my car back now. Each day I can not get somewhere will cause a major problem and risk lives too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian regarding two inaccurate accounts on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX  In my dispute, I requested a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and specifically asked Experian to : Provide detailed verification of these accounts. 
Disclose how the investigation was conducted and what records were used. 
Provide documentation from the furnishers proving that these accounts were valid. 
Experian 's Failure to Properly Investigate On XX/XX/XXXX, after not receiving a proper response, I submitted a second request for reinvestigation, reiterating my request for detailed verification and supporting documentation. Despite this, Experian failed to provide any new information or evidence. 

On XX/XX/XXXX, Experian responded stating that the accounts were verified and updated, but once again failed to provide any actual evidence or documentation to support their verification. Their response did not : Explain what steps were taken to verify the accounts. 
Provide any records, signed agreements, or supporting documentation from the furnishers. 
Answer my specific questions regarding the investigation process. 
Under the FCRA, Experian is required to conduct a reasonable investigation and provide supporting documentation upon request. However, Experian has failed twice to comply with these legal requirements and has instead provided a vague response that does not constitute a valid investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been looking at my credit report and have noticed many inaccuracies and accounts that i do not recognize. Please help me with this because this is effecting my credit worthiness and my ability to get approved for other things I need. From the FCRA all information should be correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: SC

Complaint narrative:
I have been looking at my credit report and have noticed many inaccuracies and accounts that i do not recognize. Please help me with this because this is effecting my credit worthiness and my ability to get approved for other things I need. From the FCRA all information should be correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
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 : Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation