vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: SC

Complaint narrative:
I reached out about reporting errors on all three of my credit reports via phone, and email. neither of the three companies, Experian, XXXX, or XXXX have removed these errors. These are negative items. The companies gave invalid reason as to why these errors are not removed. They are violating my consumers rights. According to the 15 USC 1681, they are unfair.

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 2025-01-23 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to the 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX a 3rd party company that handles the direct deposit for the company I sub contract for deposited XXXX into my business account under a fictitious name that I did not have registered with the bank. I produced the documents from the state of Pennsylvania that proved the fictitious name belonged to me and the company on the bank. The still refused to release the funds. They also refused to send the funds back to payer instead they closed my bank account and are send funds to a suspension account then followed by that will put the funds into unclaimed money. I asked where the unclaimed money would be is through the state and they said they don't know where it goes. And would not provide me the information. If the funds were sent to a name not on the account that wasn't added during sign up they should send back the funds, not keep them so they can collect the interest. The funds aren't theirs. They're committing theft to gain profit. Funds were sent to XXXX XXXX instead of XXXX XXXX XXXX. I repeatedly was told once I can produce the fictitious name paperwork from the state I will have funds released, once submitted they refused.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a XXXX veteran, and my student loans were paid in full and not late. I have asked that the accounts be updated to in good standing or remove from my credit report. Removal immediately is what I am requesting. They are still showing negative on my credit report- XXXX, XXXX and XXXX. I have been dealing with them for correction since 2023. The information on my report is hurting my reputation and keeping me from getting adequate housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately.

The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : 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 non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, to conduct a reasonable reinvestigation of disputed information on my credit report. This failure has resulted in the continued presence of inaccurate or unverifiable accounts on my credit report, causing me harm.

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed 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 under 15 U.S. Code 1681o. I reserve the right to pursue all available legal remedies under the FCRA, including but not limited to those outlined in 15 U.S. Code 1681n and 1681o, if this matter is not resolved promptly and accurately.

The following items to be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Records : 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 2025-01-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 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 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 : XXXX / XXXX 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 this fraudulent account in my report and EQUIFAX 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 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 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 : XXXX / XXXX 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 this fraudulent account in my report and EQUIFAX 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, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. 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 2025-01-23 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:
Hello, My name is XXXX. I'm writing to formally raise my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB complaint that highlighted severe difficulties with the platform. Despite using Zelle several times and reporting irregularities, both my bank institution and Zelle neglected to thoroughly investigate my concerns. They informed me that it would be hard to cover lost funds and follow these transactions. The CFPB 's findings show that Zelle not only failed to safeguard customers, but also allowed repeat offenders to manipulate the system, making users exposed to scams. This lack of accountability and openness is unacceptable and has major implications for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted the credit bureaus and the creditor regarding these accounts. I believe they may be fraudulent and are negatively impacting my credit report. I kindly request your assistance in removing these accounts, as they do not reflect my true credit history. Thank you for your understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: DE

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-23 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: DE

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-01-23 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: TN

Complaint narrative:
Dear Sir/Madam, I am writing to formally demand the immediate removal of inaccurate and unverified accounts being reported on my credit report. The following accounts are not valid, have not been properly verified, or do not belong to me : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information reported and remove unverifiable or inaccurate items immediately ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Additionally, the Consumer Financial Protection Bureau ( CFPB ) recently filed a formal complaint against Experian ( Case No. XXXX ), which identifies serious violations of the FCRA and other federal laws. These include : Failure to conduct reasonable reinvestigations of disputes. Experian relies excessively on automated responses from furnishers, even when responses are illogical or contradictory.

Failure to forward relevant consumer documentation to furnishers. Experian has routinely failed to provide the supporting evidence submitted by consumers to the furnishers of disputed accounts.

Use of inaccurate dispute codes. Experian frequently assigns dispute codes that mischaracterize the basis of consumer disputes, preventing proper resolution.

Failure to remove unverified information. Experian has continued reporting inaccurate or unverifiable accounts, even after reinvestigations failed to confirm the accuracy of the disputed information.

Improper reinsertion of previously deleted information. Experian has allowed deleted information to reappear on consumer reports without proper notice or certification from furnishers.

Given these findings, I demand that the above-listed accounts be immediately removed from my credit report. I also require written confirmation that these accounts have been deleted and assurance that no further unverified information will appear on my report.

I have enclosed copies of my ID, proof of address, and any supporting documentation 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 2025-01-23 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-01-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Five Lakes Law Group PLLC
State: VA

Complaint narrative:
I contacted FLLG to help consolidate my debt before exiting the XXXX. I was concerned about securing employment and wanted to ensure I had a healthy path to pay my debts. Once I secured employment, I increased my payments, thinking my debt would be paid down faster. Several times, I was told they could not pay more than monthly because this would affect the settlement agreement. When I requested to decrease my monthly payments because I was paying 3x the amount paid to the creditors with no progress, they said that would also be a breach of contract. They could not show how this was a breach of contract and stated that if I paid more, they would save the money in my account and pay the debtors once they had enough money to pay off the debt. They also stated the monthly payment included their 27 % fee. When I viewed my XXXX account, they would withdraw the remaining overpayment amount as a settlement fee, leaving just enough to cover the XXXX XXXX XXXX. This prevents consumers from " saving enough to pay off their debts. '' In one case, their " settlement fee '' was {$690.00} when they paid the creditor {$320.00} monthly. {$690.00} is more than their 27 % settlement fee, which is included in my monthly payment. I closed my account with them, and they are keeping my remaining {$1000.00} as a settlement fee. At a minimum, I would like my {$1000.00} back, but I should receive all of my settlement fees for 2024 since they were already covered. I filed a previous complaint through XXXX  with no response, and I filed a complaint through CFPB case XXXX, but the case was closed after I chose to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I never applied for anything since my bankruptcy in XXXX its XXXX and my scores is still where it was doing bankruptcy chapter 7 XXXX  and XXXX  failure to give me a signature recording or document for these action and Im trying to get back on my feet with this delay. XXXX has me with a XXXX score with the same issues with XXXX and XXXX XXXX and XXXX seasaw from XXXX. Please fix this matter. Thanks

Company response to consumer: Closed with non-monetary relief