vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX CAP XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Has violated my rights. I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ). And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-31 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: TN

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submission, Transunion 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, Transunion '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. 20250CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provide consumers with the necessary proof of 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 non-monetary relief
Consumer complaint received 2025-01-31 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: AR

Complaint narrative:
Subject : Reinsertion of Deleted Account Without Notification ( FCRA Violation ) I am filing this complaint due to the reinsertion of a previously deleted account on my credit report without proper notification or verification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within five business days when a deleted account is reinserted, including verification details.

Section 609 ( e ) : Ensures accuracy and proper verification of reported information. 


The account in question is tied to XXXX XXXX XXXX and was reinserted after being removed. I was not notified, nor was proof of verification provided. This reinsertion has negatively impacted my credit score and caused financial distress.

This issue aligns with systemic problems highlighted in lawsuits such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Addressed consumer notification failures. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Highlighted reinsertion issues without proper verification.

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 2025-01-31 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: AR

Complaint narrative:
Subject : Reinsertion of Deleted Account Without Notification ( FCRA Violation ) I am filing this complaint due to the reinsertion of a previously deleted account on my credit report without proper notification or verification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within five business days when a deleted account is reinserted, including verification details.

Section 609 ( e ) : Ensures accuracy and proper verification of reported information. 


The account in question is tied to XXXX XXXX XXXX and was reinserted after being removed. I was not notified, nor was proof of verification provided. This reinsertion has negatively impacted my credit score and caused financial distress. 

This issue aligns with systemic problems highlighted in lawsuits such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Addressed consumer notification failures. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Highlighted reinsertion issues without proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: AZ

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 impossible and that tracking these transactions was infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 2025-01-31 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: MA

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraud. Additionally, I demand verifiable proof bearing my signature or electronic signature for any unauthorized inquiries. 

This letter is being sent directly by me, not through a third party, so I ask that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these violations fall under : FCRA Section 605B Block of information resulting from a Data Breach or Fraud ( 15 U.S.C. 1681c-2 ) FCRA Section 604 Permissible purposes of consumer reports ( 15 U.S.C. 1681b ) I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. Since I never authorized these accounts and inquiries, they are inaccurate and must be considered the result of a data breach or unauthorized reporting by creditors and/or third-party data furnishers. 

The FCRA requires XXXX to investigate these disputed items and take appropriate action, including deletion or blocking, within four business days of receiving this letter, as outlined in FCRA 605B ( a ). Enclosed, I have attached copies of the relevant FCRA sections for reference. 

Please acknowledge receipt of this dispute and provide a written response detailing the corrective actions taken. If the disputed items are not addressed in compliance with the FCRA, I will consider further action to protect my rights.

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 2025-01-31 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Bankruptcy XXXX  XXXX Bankruptcy : 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 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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-01-31 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following collection account that appears on my Experian credit report : Creditor : XXXX XXXX Account Number : XXXX Amount : {$1100.00} Basis of My Dispute : Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am requesting that Experian investigate this account for accuracy, completeness, and verifiability. If this account can not be fully verified with documented evidence from the original creditor, it must be deleted from my credit report immediately.

Additionally, I am invoking my consumer rights under FCRA 15 U.S. Code 1681b and 15 U.S. Code 1681s-2 ( b ), which require : Proper Investigation : The credit bureau must conduct a reasonable investigation and provide evidence that the debt is accurate, complete, and lawfully reported.

Verification of the Debt : The furnisher ( XXXX XXXX ) must provide original documentation proving that this account belongs to me and is legally valid. 
Removal of Unverified Information : If Experian can not verify the accuracy of this account within 15 days, it must be permanently removed from my credit file as required under FCRA law. 

My Legal Rights Under the FCRA & FDCPA : 15 U.S. Code 1681e ( b ) Credit bureaus must maintain maximum possible accuracy in reporting consumer data. If any inaccuracies exist, the account must be removed.

15 U.S. Code 1681i If an account is disputed, the bureau must investigate and either verify it or delete it.

15 U.S. Code 1681s-2 ( b ) The furnisher ( XXXX XXXX ) must provide full validation or request Experian to remove the account.

15 U.S. Code 1692g A debt collector must provide proper validation, including a signed contract, itemized statements, and proof of ownership. 

Demand for Deletion : If XXXX XXXX fails to provide verifiable proof that this debt is mineincluding a wet-ink signature contract, itemized billing statements, and a breakdown of all chargesI demand that this account be deleted from my Experian credit report immediately under the FCRA and FDCPA regulations. 

Please conduct a full investigation and provide documentation verifying this account within 15 days. 
If you can not verify the debt, remove this account immediately. 
Provide me with a written confirmation of the deletion upon completion of your investigation. 
Failure to comply with the FCRA and FDCPA will result in formal legal action and complaints being filed with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
This letter serves as formal notice of my dispute. I expect your prompt compliance with 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 explanation
Consumer complaint received 2025-01-31 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Bankruptcy XXXX  XXXX Bankruptcy : 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 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 XXXXXX/XX/year>

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 2025-01-31 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Bankruptcy XXXX  XXXX Bankruptcy : 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 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 XXXXXX/XX/year>

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 2025-01-31 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: TX

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 were 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 2025-01-31 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: KY

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6200.00}

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 non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX  Account # : XXXXXXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall
furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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