vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had Wells Fargo for not that long always was getting hacked and people were able to purchase without me knowing and it sent XXXX to the wrong person through XXXX and was never able to get my money back

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM 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 non-monetary relief
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am reporting to formally notify the Consumer Financial Protection Bureau ( CFPB ) of Experian continued non-compliance with consumer protection laws and to request immediate intervention to ensure adherence to these laws. 

I have encountered multiple issues with Experian that I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other related regulations designed to protect consumers. Despite my best efforts to resolve these issues through direct communication with Experian, I have not received a satisfactory resolution, nor have they taken appropriate corrective actions. 

The specific issues I am experiencing include, but are not limited to : Inaccurate reporting of my credit information, including outdated or incorrect items on my credit report with XXXX XXXX XXXX XXXX. I demand to see verifiable proof of an original consumer contract with my wet signature on it that they have on file for the account listed on my credit report. Failure to investigate a dispute I filed, as required by law. As required by the FCRA, Experian is obligated to ensure the accuracy and completeness of the information in its reports and to investigate any disputes within the legally defined timeframe. Experian is not complying with their own policies within in 30 days to investigate, which has passed and I haven't got a update status on anything. My dispute letter was sent XX/XX/year>. Experian failure to comply with these laws has caused me significant harm, including damage to my credit score and difficulty obtaining a car.

I respectfully demand that the CFPB investigate this matter and take appropriate enforcement action to ensure that Experian complies with all applicable consumer protection laws. I request that the CFPB promptly communicate with me regarding the status of this issue and any actions taken. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly and appropriately to address this non-compliance and protect consumers like myself from further harm.

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 2025-01-20 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 is impossible and the tracking of these lost funds is unfeasible. The CFPBs 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.The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The Account is XXXX XXXX XXXX XXXX XXXX. They have illegally reported this to Equifax and other creditors and I have PROOF of said actions. I want the reported accounts removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing a complaint on cash app due to inadequate customer service and and unfair practices which violate the CFPA. They fail to take timely and effective measures to prevent and address fraud on their platform. My account is vulnerable and unprotected. The dispute and resolution process is unfair and deceptive. They dont comply with error resolution requirements under efta. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: 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  Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$540.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX inquiries XXXX  Date XX/XX/XXXX XXXX XXXX  XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/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 2025-01-20 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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App, due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). 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 2025-01-20 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-20 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report despite my previous efforts to have these errors corrected. As a resident of XXXX XXXX, I am aware of the recent lawsuit filed against XXXX by the New York Attorney General, which highlights the ongoing issues with XXXX 's handling of consumer disputes. I believe my experience aligns with the allegations raised in this lawsuit, as XXXX has failed to conduct proper investigations and has allowed erroneous information to persist on my credit report. 

The following accounts listed on my credit report contain inaccurate and unverifiable information and should be removed immediately : XXXX XXXX  - {$1100.00} XXXX XXXX XXXX - {$79.00} XXXX XXXX - {$2300.00} XXXX XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX  XXXX XXXX {$2100.00} Under the Fair Credit Reporting Act ( FCRA ), XXXX is XXXX to investigate disputes and ensure that only accurate, verifiable information is reported. I am requesting that these accounts be deleted from my credit report unless XXXX can provide documented proof of their validity. Failure to do so within the legally required time frame will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. 

Please provide me with a written response within 15 days of receipt of this letter, confirming the deletion of the disputed accounts or providing documentation validating their accuracy. Enclosed with this letter are copies of my identification and relevant documents to facilitate your review. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.

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 2025-01-20 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Late payment added to my credit report without consent or notification. Investigation was improperly completed. 

Late Payment Policy Verbiage for 15 USC 1666b ( Prompt Crediting of Payments ) : Under 15 USC 1666b, creditors are required to credit payments promptly to your account on the date they are received, as long as the payment complies with the creditors reasonable payment processing requirements. In cases where payments are not properly credited due to an error or delay by the creditor, late fees or penalties may not apply if the payment was sent on time.

If payments are not made in accordance with the creditors specified requirements ( e.g., correct account number, address, or payment method ), the creditor may apply a late fee in compliance with their terms. Ensure you carefully review the payment instructions provided to avoid unnecessary fees or complications. 

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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Experian and XXXX XXXX XXXX ( XXXX ) for inaccurately reporting a collection account on my Experian credit report. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), causing financial harm, emotional distress, and reputational damage. 

Details of the Complaint : Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account Balance : {$590.00} Date Opened : XX/XX/XXXX Current Status : " Collection Account '' Issue Summary : The account was previously disputed with XXXX, which confirmed its deletion from my credit report as of XX/XX/XXXX. Despite this resolution, Experian continues to inaccurately report the account. Moreover, XXXX XXXX XXXX has failed to comply with proper validation and notice requirements under the Fair Debt Collection Practices Act ( FDCPA ), in violation of 15 U.S.C. 1692c. 

Relevant Case Law Supporting My Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : The court reaffirmed that communications regarding debts must comply with FDCPA notice and validation requirements. Failing to do so constitutes a violation subject to statutory damages. 

XXXX v. Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) : This case underscores the obligation of credit reporting agencies to ensure accurate reporting and investigate disputes. XXXX inaction in this case is a direct violation of the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court held that agencies and furnishers are liable for inaccurate or incomplete records that harm consumers. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court ruled that credit reporting agencies must perform reasonable investigations after receiving a dispute. Failure to do so can result in statutory and punitive damages. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Experian failed to follow reasonable procedures to ensure maximum possible accuracy of the information reported.

15 U.S.C. 1681i ( a ) : Experian neglected its duty to investigate and resolve this dispute properly.

Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692c : XXXX XXXX XXXX communicated or facilitated the reporting of this debt without adhering to proper validation and notice requirements.

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 2025-01-20 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: TX

Complaint narrative:
I have heart inquiries. Credit charge to my account that I did authorize. Light payments that charges that aren't correct. I've tried to get him correct, contacted. Experian, i've contacted the debtors and they're still on there that's incorrect 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Summarized : A {$500.00} loan from the creditor XXXX  XXXX XXXX was obtained on XX/XX/XXXX. Payments were made on XX/XX/XXXX, and XX/XX/XXXX, for the loan repayment. This account was previously in collections, and a final overdue payment of {$160.00} was paid in full on XX/XX/XXXX. This collection payment was not reported as the balance was not updated, leading to an incorrect account status stating " {$160.00} written off '' in my credit report ( Experian ). Please see the payment confirmation details in the attached documentation with the screenshots and account dispute results.

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 2025-01-20 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: VA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with non-monetary relief