vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I am writing to formally request assistance in resolving several issues I have encountered with my credit report. These include the listing of incorrect accounts, fraudulent accounts, unauthorized inquiries, and accounts that do not belong to me. 

The specific issues are as follows : Inaccurate account listings : There are accounts listed on my credit report that do not belong to me. I request that these accounts be investigated and removed. 

Fraudulent accounts : Some accounts on my report appear to be fraudulent. I request these be flagged and removed from my credit history. 

Unauthorized inquiries : I have noticed credit inquiries made without my consent or authorization. These inquiries should be deleted. 

Billing errors : There are discrepancies in the reporting of certain accounts. These should be reviewed and corrected.

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 2025-01-24 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I booked an XXXX  that was cancelled by XXXX. XXXX policy is that if I the consumer cancels the stay it will not be refunded. XXXX XXXX cancelled the stay therfore that policy does not apply to me. i contacted CHIME and they responded saying theyve seen no issue in airbnb not giving me a refund. i then contacted XXXX  and XXXX investigated and seen that THERE WAS AN ERROR. XXXX  XXXX  decided to refund my account but CHIME is still in the way. Now CHIME wants me to wait another 4 months to be finished with an investigation that they should've already done efficiently THE FIRST TIME. This complaint is about CHIME never giving me back my money whenever i am over charged or anything CHIME NEVER HELPS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 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 violated 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. 2025=CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I've marked as inaccurate : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX Inquiries XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX  XXXX XXXX  ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year>, XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; 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 2025-01-24 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received errors in credit reporting from XXXX and Experian. The two bureaus didn't properly investigate my disputes and reinserted inaccurate information to my credit reports.

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 2025-01-24 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:
Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding Equifax and XXXX, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax and XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Equifax and XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Provide the chain of assignment XXXX. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax and XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. 
If Equifax and XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fait Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a responsible reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought light significant concerns regarding XXXX and Experian, CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX and Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. This reinvestigation has been done in 24 hours which is unlawful per FCRA. Furthermore, any information found to be inaccurate or unverifiable must be promptly deleted. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX and Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Provide me with all documentation used to verify the accuracy of the disputed information XXXX. Provide the chain of assignment XXXX. Delete any accounts that can not be verified or is inaccurate, as mandated by law Given the recent CFPB findings, I expect XXXX and Experian to handle this dispute with the utmost seriousness and compliance with legal standards. 
If XXXX and Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legal mandated timeframe. I expect written confirmation of any changes made for my credit file

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 2025-01-24 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:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/25 EQUIFAX XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report I am writing to formally Dispute Inaccurate Information On My Credit Report that I believe is harming my financial well-being. I am aware of my right under the fair Credit reporting act and request a thorough investigation into these inaccuracies, As required by federal law. 
Recently, The consumer financial protection bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, Citing " Sham Investigations '' and other unlawful practices. These practices as outlined by the CFPB, include : Conducting inadequate Investigations that fail to address consumer disputes properly. 
Reinserting previously disputes and Inaccurate Information without explanation, Failing to notify consumers about investigation results effectively, These allegations highlight systematic issues that directly undermine consumer protections and perpetuate inclusions of Inaccurate Information On credit reports. I am deeply concerned that my Dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-24 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: OK

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting errors, my bank and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions are 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is not allowing me too get my credit report saying the credit report lock due too other creditors having different 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 2025-01-24 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-24 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: NY

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, XXXX consistently responds within 24 hours stating that 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I am disputing XXXX  account number ending in XXXX XXXX XXXX XXXX  account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 Funds 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 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Tuesday XX/XX/XXXX I lost one of my phones. I checked my online banking and saw that funds were removed I immediately contacted TD bank to let them know that the funds that were removed were unauthorized and not made by me. I was told to go in branch the next day to open a new account and dispute the charges which I did. On the XXXX  only a new account was opened as the teller told me I wont be able to dispute until XXXX. I waited until Friday to do the dispute which we did and it came up to around {$1400.00} which most of was in my savings account and I could only be used if transferred. The teller assured me things like this happen all the time and TD will issue my money back ( they didnt ask for proof or any documents ). Fast Forward to today Friday XX/XX/XXXX and I still havent received back even a {$1.00} of the unauthorized funds. I contacted TD on the same Friday to find out whats going on. I was told that the claim was denied which I wouldnt know if I didnt call because I didnt get a text or call or even mail from TD. I was told the claim was denied because it matches up with my spending habits. I then argued how can it match up with my spending habits when the way my funds were fraudulently were removed were through XXXX XXXX and XXXX in increments of {$150.00} to {$250.00}. I am now escalating this issue to consumer affairs because as I said these funds are from my savings account and for the better part of anything I have no money available. I am currently broke I have no credit cards, no cash I have nothing. So in hopes of you guys helping me retrieve my funds back I am making this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I put in dispute and they say info was verified I don't know how it was verified, when I'm complaining that it's not 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