vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX None XXXX Inquiries XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm filing a complaint against Capital One regarding their deceptive practices related to the 360 " high yield interest '' savings accounts. Capital One has misrepresented the 360 Savings account as having one of the nations highest interest rates while failing to inform account holders about the superior rates available with the 360 Performance Savings account. This lack of transparency and deliberate obscurity have violated consumer trust and caused significant financial losses for many individuals, breaching the Consumer Financial Protection Act and the Truth in Savings Act.

I am seeking redress for these misleading practices and failing to properly deliver on their promise regarding the 360 " high yield interest '' savings accounts.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please take action to block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not authorize or create these accounts and have no knowledge of their source. As per USC 1681g, I formally request their removal within 15 days. Relevant documents are provided for your reference.

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 2025-01-21 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: FL

Complaint narrative:
I have submitted many disputes about incorrect information and accounts on my equifax credit report over the pass XXXX years and none of them have been handled as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I had zelle with all of my banking accounts and would transfer money to recipients via Zelle and on several instances I had select the wrong person and contacted Zelle for a reimbursement and they denied several of my my refunds stated I would have to contact that person to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against equifax for not securing my accounts against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WA

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 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : EXPERIAN- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX Compliance Standards To Whom XXXX XXXX  Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Names : Any names outside of whats stated below. 
Outdated Employers : sysco ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

Sincerely, NAME : XXXX 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was a victim of credit fraud since XXXX  and accounts have been placed in my name that i'm aware of. I've tried reaching out to XXXX asking for proof of application and received no answer. I need this off of my report ASAP it's hurting my 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I was a victim of credit fraud since XXXX and accounts have been placed in my name that i'm aware of. I've tried reaching out to XXXX asking for proof of application and received no answer. I need this off of my report ASAP it's hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION- TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX Compliance Standards To Whom It May Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Names : Any names outside of whats stated below. 
Outdated Employers : XXXX  ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

Sincerely, NAME : XXXX 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX EMAIL : XXXX XXXX XX/XX/XXXX Credit Bureau ( XXXX ) : ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX 
EQUIFAX- XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Correction and Deletion of Inaccurate Personal Information per XXXX XXXX  Compliance Standards To Whom It May Concern, I am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ) and request the immediate correction of inaccurate and outdated personal information currently reflected in my credit report, in accordance with XXXX XXXX compliance standards. 

Upon reviewing my credit file, I have noticed that the following information is outdated and inaccurate, and I request its removal : Incorrect/Old Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Names : Any names outside of whats stated below. 
Outdated Employers : XXXX ( was never my employer ) Old/Incorrect Phone Numbers : XXXX or XXXX Please ensure that the only information retained in my file is current and accurate. The correct information is as follows : Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Legal Name : XXXX XXXX XXXX * CURRENT CONTACT NUMBER : XXXX As per XXXX XXXX reporting guidelines, this inaccurate data should be promptly removed to maintain the integrity and accuracy of my consumer credit file. I request that these corrections be made without delay and that you provide confirmation once this has been completed. 

If additional documentation or information is required to facilitate this request, please inform me immediately. I am prepared to provide any necessary verification to expedite this process. 

Please treat this letter as a formal dispute under the FCRA and ensure that my file reflects only current, accurate information. I also request that a corrected copy of my updated credit report be sent to me once the changes have been processed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these updates have been completed in compliance with XXXX XXXX standards. 

Sincerely, NAME : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed 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 systematic issues such as failing to 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 disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians interaction 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