vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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 am filing this complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds stating that the accounts are accurate and verified, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act,15 U.S.C.1681i which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions may also contravene the Consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complieswith federal la and provides consumers with the necessary proff 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I have tried to open numerous accounts due to needing a checking account for my direct deposit and I have been unsuccessful everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have been using DCU for my auto loan since 2014 and been a good customer and i have changed 3 cars and always went with them as my bank. Recently we had a baby delivery and my wife XXXX XXXX XXXX and missed a payment for a month. They have reported 30 days late to all credit bureau and impacting my credit report badly. I did spoke to 2 peoples with their customer department and one of them had promised me that, as part of customer good will, they can support in removing the negative mark ( 30 days late ) from the credit reports. till now, its not been removed. Kindly help me to get this taken care of. my DCU member id and account details are below, DCU Member ID : 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 2025-02-09 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: NC

Complaint narrative:
I submitted disputes for hard inquires online to Equifax on XXXX which was YESTERDAY : The companies at hand were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXX Last night at midnight I received a message saying they were factual. 

I called a XXXX or XXXX today with Equifax at XXXX today XXXX. I asked about the methods by which they verified the info on my credit file bc it hasn't been XXXX ( it was more like XXXX hours ) and its the weekend. I asked who they either emailed or spoke with to get the facts about the inquires/fraud and she could not tell me any information thus defaulting XXXX to think there was no TRUE investigation in to the inquiries on the report. Method of verification is my right as a consumer per 15 USC 1681i ( a7 ). She only kept telling me that they found the inquiries factual. They are being deceptive and staright up liars!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I need them to remove inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XX/XX/XXXXXXXX

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 2025-02-09 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: MN

Complaint narrative:
Used incorrect information. An administered fraudulent charges. Deflecting credit score into XXXX marking it impossible to refinance with lower interest rate..

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 2025-02-10 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
There had to be some type of credit/ information breach. I always paid on time yet midland credit management says I owe XXXX throughout my credit history Ive always paid on time. You can see my reports informed them this was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
I opened an account with Toledo Finance on XX/XX/XXXX, for {$410.00}. I consistently made timely payments until the COVID-19 pandemic and subsequent lockdowns disrupted my ability to work. Due to these circumstances, the company sent the account to collections and marked it as a charge-off. 

Toledo Finance XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX I took out a loan with XXXX XXXX on or around XX/XX/XXXX, for {$670.00}. I made timely payments until I was laid off and could no longer continue making payments. I attempted to set up a payment arrangement with the company, but they refused and instead sent the account to collections, marking it as a charge-off. 

Additionally, there is a discrepancy in my credit report, as different account numbers appear for this creditor across the credit bureaus, which invalidates the debt. 

Security Finance XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2025-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Comerica
State: NY

Complaint narrative:
My entire {$1100.00} monthly income derives from XXXX XXXX XXXXXXXXXXXX XXXX. The XXXX deducts {$480.00} [ pursuant to a XXXX XXXX XXXX XXXX XXXX XXXX and forwards a {$620.00} balance to Comerica Bank for deposit in my XXXX account. However, my XXXX XXXX debit card has not had a benefit deposit since XX/XX/year>. I have no savings and I have been homeless for the better part of the XXXX. 
Speaking to the XXXX XXXX XXXXXXXX, they tell me that the balance of clear funds after garnishment is being sent to XXXX XXXX. Speaking to the customer service XXXX for XXXX XXXX, they tell me that I am not receiving funds from the XXXX XXXX XXXXXXXX on my debit card. Both facts can be true. For the beneficiary, Comerica Bank is a XXXXXXXX XXXX intermediary with no point of customer facing contact. XXXX XXXX goes dark immediately after funds leave XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XX/XX/XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
NAMES NOT RECOGNIZED XXXX, XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XX/XX/XXXXXXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2100.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my consumer report, I found that my name and address is being reported incorrectly. Furthermore, any accounts associated with those incorrect names and addresses should be removed per law 15 U.S. Code 1681i. If the account does not match my name and address I am clearly stating that I want it removed immediately. Thank you for your help in this matter. I have attached my driver 's license for proof of identity.

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 2025-02-09 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: IL

Complaint narrative:
I am writing this complaint to inform parties involved with Zelle, that I don't appreciate how claims have been handled. I've reported issues numerous times and never got a solution. I understand that the findings of CFPB has shown the neglect from Zelle and its consumers, leaving us vulnerable to scams. This is unacceptable and raises many concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> {$2200.00} was drawn from my account to pay a credit card in full from the Capital one 360 accounts I have. 

XX/XX/year> My monthly truck payment was not able to be paid because my accounts had all of a sudden been locked without any knowledge or calls to inform me. That truck payment is necessary to be timely due to a divorce in the supreme court and legally mandated. I was unable to use my money to pay it and accrued interest. Now I'm at risk for losing my vehicle now when I have over $ XXXX in my accounts. 

XX/XX/year> @ XXXX I called bank due to my access to my 7 accounts being locked. I have a supreme court ordered account and also a business account. I was concerned that I was never informed about any issues with my accounts nor told they were going to be locked. I had just processed a credit card payment for over XX/XX/year> @ XXXX - bank called me and hung up once i was being transferred XX/XX/year> @ XXXX - I called bank back & spent 1.5hrs on with Capital one 360. The manager told me I would not be abe to get my funds unless I went to a local branch. SHe was unable to locate a branch within XXXX miles. She told me my only options for accessing my $ XXXX in those 7 accounts would be to ask for a check but that takes 2 weeks. My business funds and supreme court ordered account were included in that amount. When I confirmed and repeated what she said " so youre telling me i can not pay my truck on time, I can not acces my funds with out a brach that you can not provide a locations, I'd have to wait 14 days for a check & i can not set up an account else where and have MY money transferred or consildated into a different bank. Is that correct? '' she said yes. I asked how that makes sense, that is my money and no one ( other than myself inquiring due to a late payment now ) had even call or informed me about this. She said we are no longer doing banking with you. How do I get my money out when my accounts are blocked. She said go to a local branch. I said the branch you can't seem to find within 150 miles? she said correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash App closed my account after I sent money to the mother of my XXXX year old daughter. I had no reason why and the failed to provide me an investigation. Prior to that I was defrauded and they refused to pay back any funds but I needed the app because it was the only way I had to send money to the mother of my daughter. I sent her a payment one month and was blocked immediately after

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Exeter Finance, LLC.
State: NY

Complaint narrative:
I reached out to Exeter Finance LLC in XX/XX/year>. I informed them about an account that does not belong to me and the account has an address that does not belong to me. I have not received any response from Exeter Finance LLC to resolve this matter and remove this false account/debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
Im attaching an FTC report containing XXXX fraudulent accounts along with XXXX inquires which are fraudulent.

Company response to consumer: Closed with non-monetary relief