vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
I have tried to dispute several inaccuracies off of my credit report and the company refuses to do so also they are not conducting a proper investigation and keep telling me the information is accurate when according to the research Ive did myself Ive seen several inaccuracies on my report that I will provide to you guys below they are committing fraud by putting that inaccurate information onto my credit and also they are not providing proof on how they investigated this situation. I have provided several law codes that they are not abiding by such as 15 U.S.C 1681 e.b and have tried to do this multiple times.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not XXXX '' payment on a credit card account under an open-end consumer credit plan as late for any purpose I am asking that these late payments be removed from my report in response to this letter as a gesture of goodwill. I hope that you will deeply consider my request and prove once again why XXXX is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2025, I contacted Wells Fargo immediately upon discovering that my card was missing. I meticulously reviewed my account history and identified the unauthorized charges. However, on XX/XX/XXXX, I received a letter from Wells Fargo stating that my claim had been denied, asserting that the charges were considered authorized. The information provided was minimal, and I was informed that it was not classified as fraud because my account had been drained. 

After this denial, I requested to speak with a resolution specialist. Unfortunately, I was told that there was nothing further that could be done and that I would have to accept the fraudulent charges, as I needed to conduct my own investigation. I was also advised that I would not be reimbursed for these transactions. 

To support my case, I filed a report with the Internet Crime Complaint Center ( IC3 ) and have spoken with local law enforcement, both of which confirm that the charges were not made by me. Despite this evidence, Wells Fargo has continued to refuse reimbursement for these fraudulent charges.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XXXX XXXX XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$250.00}, {$850.00}, {$860.00} I do not have a contract with Midland Credit Management XXXX XXXX, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. My name is XXXX XXXX, and .I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : CHILDSUPPORT Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-26 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 recently review a copy of my credit report and noticed i had fraudulent account on my report. Please remove this account. They are hearting my ability to obtain credit.

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 2025-02-26 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: IL

Complaint narrative:
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX - XXXX # XXXX - {$710.00} - the account does not belong to me. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} - the account does not belong to me. 
XXXX. XXXX XXXX - XXXX # XXXX - {$2900.00} - the account does not belong to me. 
XXXX. XXXX XXXX - XXXX # XXXX - {$200.00} - the account does not belong to me. 

INCORRECT CREDIT INQUIRIESI am disputing the following inquiries which I did not authorize:1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently checking my credit report and have noticed these fraudulent accounts, please remove these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: LA

Complaint narrative:
I am willing 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 was impossible and that tracking these transactions was 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. 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 2025-02-26 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NM

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I am writing to formally dispute inaccurate information that appears on my credit report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The item I am disputing is listed as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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  I request that the disputed item be investigated and removed or corrected as soon as possible. Additionally, please provide written confirmation of your investigation and the outcome. If the investigation does not resolve the dispute, I request that my credit report include a statement of the dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : DPT ED/XXXX XXXX Balance Owed : {$5700.00} DPT ED/XXXX XXXX Balance Owed : {$3300.00} DPT ED/XXXX XXXX Balance Owed : {$1700.00} DPT ED/XXXX XXXX Balance Owed : {$5100.00}

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I do not remember the dates vaguely but I know that I have had several issues with Cash App regarding my money and tried to reach out to several reps and they tell me to hold on and then they hang up on me. I even request to speak to supervisors, and they kept telling me that they wasnt available and then when I finally spoke to someone up here and there they told me that it was nothing that they can do about my money, not being available or showing up on my Cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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 was impossible and that tracking these transactions was 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. 
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 2025-02-26 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-02-26 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: OH

Complaint narrative:
Regarding my previous complaint number : XXXX with the CFPB I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 



Specifically : Loan account ( XXXX ) [ XXXX Account Type : Installment Account Type - Detail : - Bureau Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$12000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Account transferred or sold Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX continues to call and leave voicemails and report to credit Bureau a debt not belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened an business account the week of XX/XX/XXXX online with US Bank. 
I went the local branch on XX/XX/XXXX to activate my debit card and the personal banker told me that my account needed additional information to verify my identity. I told him I have my drivers license but I will bring my social security card in XXXX  days. He told me that my account is now ok and that I can use it, so I made my deposit for XXXX. I wrote 2 checks. One check XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 1 check that was from XXXX XXXX XXXX XXXX  XXXX XXXXr for the deposit. He took my deposit and then gave me the receipt for my deposit. I went back in XXXX days to show him my social security card and then he said he will send it to the back office for me. He then told me in XXXX  days that my account will be closed and the bank has the right to close my account and anytime. I asked him if I can come get my funds, but he told me to the contact the back office. I called and spoke to the back office and also a supervisor and they told me that my account will be closed and I will be getting a cashier check for the closeout balance in XXXX weeks. I also confirmed that with the supervisor. I called back on XX/XX/XXXX and asked where are my funds. I have waited for XXXX weeks, but they told me that my funds are on hold and that a XXXX will call me today and let me know what I can do to get my funds. I called XXXX around XXXX times and they will tell me a XXXX will call you today to let you know what is needed, but I have yet to get any phone call from any XXXX. The hold time is usually around XXXX minutes. I went to the local branch for help and the branch XXXX is really nice, but I dont feel confident that I will be getting my money back any time soon. I have lost interest on these funds for 1 month already. I have taken time off to try to get it resolved, but I havent had any luck. US Bank doesn't want to give me my funds back. Thank you for reading my complaint. Best Regards

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 


XXXX XXXX XXXXXXXX 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 2025-02-26 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: NY

Complaint narrative:
On XX/XX/XXXX a notarized certified letter was sent a letter to XXXX XXXX to verify that they provided me with the required XXXX disclosures. 
I was unaware of my right to opt-out of having my information shared, which directly led to a security breach on my personal identity impacting my credit report. 
At this point my information has been shared so much. I have over XXXX security breaches/inquires since XX/XX/XXXX when the lease for XXXX was signed. I have paid every amount onetime since the opening. When learning about this violation of my privacy because of this lease. Them not sending me the These forms at signing or at dispute request, as mandated by the XXXX, should have included : Privacy Notice : This document should have outlined your institution 's policies regarding the collection and sharing of my nonpublic personal information, explaining the types of information collected, how it is used, and under what circumstances it might be shared with third parties. 
Opt-Out Notice : This notice should have given me the opportunity to " opt out '' of having my nonpublic personal information shared with certain nonaffiliated third parties, with clear explanations on how to exercise this right.

Safeguards Notice : This should have detailed the measures your institution takes to protect the security and confidentiality of my personal information. This could have been included in the privacy notice or as a separate document. 

I received none of these documents and my request is that this is removed from my account as soon as possible.

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