vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
It's in my letter. I was moving to another apartment because the XXXX XXXX  rent was increasing. I applied for another apartment that was going to be affordable. This is an urgent matter. Due to XXXX. The company charged me {$2600.00} from a 60-day notice - I have provided a letter. I turned my key in on time, and the manager stated during XXXX  XXXX that she could not afford to lose any tenants, I stayed until the day of moving, and she put that amount on my credit, this is a commonwealth state that does what they want to do. There was a mandated order for the whole United States through the XXXX that you can't evict or put anyone out. I paid every month on time, I was working during XXXX  XXXX, and I turned in my key in XXXX on the day I moved out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Im waiting to formally express my concerns regarding Zelles handling and disputes particularly in the light of the recent CFPB highlighting significant issues with the platform. Despite using Zelles numbers of times and reporting discrepancies My financial institution and Zelle fails 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 and not only neglect To protect consumers But has also allow repeat offenders To exploit the system Leaving users vulnerable to scam Lack of accountability and transparency is unacceptable And is serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Oh my credit report is showing 90 days lateness from XXXX XXXX XXXX. I made my payments on time. This is an accurate. I contact the company directly. They told me I need to handle with the credit bureau. The late payments are in accurate. I request Consumer financial protection bureau to investigate and show me accurate documentations that the credit bureau investigated. I request immediate response and also update my credit file to be correctly from the 90 days payment

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I see inquiries that were not authorized and dropped my score. Auto loans ( my car has been paid off for the last XXXX  years ) and also I noticed that a late payment which was later taken off by the company dropped my score by XXXX points and when it was removed in XXXX weeks, it only gave me back XXXX points to my credit score.

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 2025-02-12 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: NY

Complaint narrative:
I see inquiries that were not authorized and dropped my score. Auto loans ( my car has been paid off for the last XXXX  years ) and also I noticed that a late payment which was later taken off by the company dropped my score by XXXX points and when it was removed in XXXX weeks, it only gave me back XXXX points to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX Name : XXXX XXXX XXXX The XXXX XXXX XXXX, TX XXXX United States XXXX XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account number : XXXX Name : XXXX XXXX XXXX The XXXX XXXX XXXX, TX XXXX United States XXXX XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please Inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2025-02-12 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: OH

Complaint narrative:
I am filling a dispute 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 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 ( File no. 2025-CFPB-0002 ) against them for similar violations. I results that CFPB take action to ensure Equifax complies with federal law and provides 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 explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filling a dispute 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 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 ( File no. 2025-CFPB-0002 ) against them for similar violations. I results that CFPB take action to ensure Equifax complies with federal law and provides 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 explanation
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX charged off and written off in the amount of {$290.00} still showing on credit reports XXXX XXXX XXXX contacted XX/XX/XXXX amount {$450.00} XXXX XXXX XXXX Charged off open in XX/XX/XXXX original amount {$8700.00} Charged off amount {$9200.00} resubmitted to experian transunion and equifax XXXX XXXX XXXX in XX/XX/XXXX Charged off for {$3900.00} and written for {$4500.00} XXXX XXXX XXXX XX/XX/XXXX in the amount of XXXX I paid in full on XX/XX/XXXX XXXX XXXX open XX/XX/XXXX charged off and written off in the amounts of {$1000.00} XXXX XXXX  paid in full open in XX/XX/XXXX shows charged off XX/XX/XXXX still showing. XXXX XXXX XXXX XXXX XXXX XXXX charged off for {$20000.00} and written off {$15000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX charged off {$17000.00} and written off {$12000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX charged off for {$4900.00} and written off for {$4900.00} None of these did I ever receive a 1099 after requesting and none was ever removed but XXXX and that reinserted that XXXX by Experian Transunion or Equifax I ask that all of these be removed. 
Thank 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 2025-02-12 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: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-12 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: LA

Complaint narrative:
I am writing to bring to your attention a serious issue regarding an unauthorized account that has been opened under my name. This account is fraudulent, and its existence on my credit report is a direct result of identity theft.

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 2025-02-12 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: NY

Complaint narrative:
( 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 disputed items despite the evidence I 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 2025-02-12 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I filed a dispute on XXXX, credit collectors, due to false information. XXXX failed to provide valid information that shows the information is not false. I recently was notified that the CFPB has filed a lawsuit against the company ( XXXX ). The alleged the company accepted unreliable information, and failed to notify customer of dispute results. XXXX has not attempted to remove nor correct any information. I am requesting that this derogatory remark be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I recently received an alert that I have an account in collections on my credit report. This is an unknown account under my name.

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 2025-02-12 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$19000.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account is the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-02-12 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: FL

Complaint narrative:
There are serious errors on my credit report that have been causing me immense stress and frustration. These inaccuracies are preventing me from securing financial opportunities, and my credit applications keep getting rejected because of them. My financial freedom is at stake, and despite my repeated efforts to correct these errors, my requests have been ignored. This issue has negatively impacted all aspects of my life, including my mental well-being. It is exhausting to deal with this ongoing problem, and I am reaching my limit. I can not even seek proper help because my credit score, which has been unfairly damaged, is holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I've recently checked my credit report, and discovered that there was fraudulent activities on my credit report. Inquiries that didn't belong to me and was fraudulently put on my credit report. Also a fraudulent current address I never lived at. I've disputed several disputes with Equifax about the inquiry ( XXXX XXXX XXXX XXXX ), and the current address that isn't mines and I never lived at this address. On every dispute I summited about correcting the address that isn't mines and deleting what they had as current. They response was to keep the address that was fraudulently put on my credit report with them, and said that I lived there since XXXX. Dispite the DL that I submitted with the dispute shows the date when I updated my DL on XXXX, and my current utility bill matching the address on the DL. On my DL I have a gold star which is placed on your DL in XXXX  when you show proof of your residence. I also summited a FTC report I filed and was completely ignored. The recent dispute report ( Confirmation # XXXX ) that was completed on XXXX. I tried summiting, but it wouldn't upload because the file too big. I disputed as a fraudulent address and fraudulent inquiry with the FTC report, and still ignored the facts. They are in violation and continually ignoring the law and my rights. I need these issues resolved, please.

Company response to consumer: Closed with explanation