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: 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 complaints against equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions, equifax consistently responds within XXXX hours stating the account is indeed accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit report reporting act ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX and Equifaxs 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 proceedings. Please remove all accounts

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.

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

Complaint narrative:
I am writing to formally express any 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 failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I called XXXX times and the calls were disconnected. Living in a rural area, I have no internet service at home. Additionally, cell connection is spotty. After driving XXXX miles to the XXXX, my calls were refused, the texts sent to me were refused, and the company claims my email is not valid. Then I am disconnected. My roof leaks and I want to replace it. Both other firms allowed me to answer verification questions over the phone and lift the " freeze '' for XXXX months. Experian is costing me time and money as the interest rates are moving. Despite superior credit, XXXX figures of equity in my home, and large retirement income, I've been repeatedly denied. The calls always require my social security number putting it at risk. It is criminal and a form of age discrimination that I am required to deal with AI that does not work. PLEASE HELP!!

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: 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: CA

Complaint narrative:
I have no knowledge of these accounts! & Pursuant to 18 USC 8, I owe no debt. These companies is violating my consumer right to privacy pursuant to 15 USC 1681b These are the accounts that Ive continuously tried disputing and to no avail have they done the correct investigation to remove these inaccuracies. 
- XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX They are reporting falsely through each credit bureau.

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: CA

Complaint narrative:
I have no knowledge of these accounts! & Pursuant to 18 USC 8, I owe no debt. These companies is violating my consumer right to privacy pursuant to 15 USC 1681b These are the accounts that Ive continuously tried disputing and to no avail have they done the correct investigation to remove these inaccuracies. 
- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX They are reporting falsely through each credit bureau.

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 collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX account # XXXX They repo the car sold it and never applied balance to the account after they said they would and I wouldnt owe them anything please help

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was shocked to see an unauthorized inquiry on my credit report today, with no explanation for its appearance. I check my report frequently, yet this time discrepancies appeared unexpectedly. I even refreshed my browser to rule out any glitches, but nothing changed. This situation is incredibly frustrating, and I demand that the submitted documents be reviewed promptly to prevent this from happening again.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: TX

Complaint narrative:
Incorrect credit report. Tried to dispute it told me it was accurate! They didnt even TRY LOOKING INTO IT.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Theses are the accounts Ive marked as inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TRANSUNION CONSUMERS SOLUTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Identity Theft and Request for Removal of Fraudulent Accounts Dear TRANSUNION, I am writing to formally notify you that I am a victim of identity theft and to request that you take immediate action to block and remove the following accounts from my credit report. Additionally, my personal information was compromised in the XXXX data breach, further exacerbating my situation. 

The accounts that require immediate attention are as follows : XXXX. XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX  Date Opened : [ XX/XX/XXXX ] XXXX. [ XXXX ] Account Number : [ XXXX ] Creditor : [ XXXX XXXX Date Opened : [ XX/XX/XXXX ] XXXX. [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor : [ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : [ XX/XX/XXXX ] XXXX. [ XXXX XXXX XXXX  ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX  ] INQUIRY XXXX XXXX. [ TRANSUNION XXXX XXXX XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX ] INQUIRY XXXX XXXX. [ XXXX XXXX XXXX XXXX ] INQUIRY XXXX I have taken the necessary steps to report the identity theft to the Federal Trade Commission XXXX FTC ), and I have also filed a police report regarding this matter. A copy of the police report and the FTC Identity Theft Affidavit are enclosed with this letter for your reference. 

Please block and remove these fraudulent accounts from my credit report as required under the Fair Credit Reporting Act ( FCRA ). I would appreciate your prompt attention to this matter and request that you confirm in writing once the accounts have been blocked. 

Thank you for your immediate attention to this serious issue. Should you need any further information, please feel free to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit

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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
I requested debt of validation numerous times.they responded with medical records, a DIRECT violation of HIPPA regulations. Not only did these documents have procedures and/or medication received, it also contain my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPPA form authorizing access to any of my medical records.

Company response to consumer: Untimely response
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: VA

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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: LEXISNEXIS
State: VA

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Errors in Consumer Report for Car Loan Dear Sir/Madam, I am writing to file a formal complaint against Westlake Financial regarding a car loan I had with them, which I believe has resulted in errors on my consumer credit report. The loan in question was for a XXXX XXXX XXXX XXXX with account number XXXX XXXXXXXX. 

I believe that there were issues regarding payments reflected and this resulted in a negative impact on my credit score. This also resulted in repossession of the vehicle and has hurt my score tremendously. With repossession my tag was taken and has resulted in increased falsely charges. I have disputed this with XXXX, a credit reporting agency, and I believe there was a failure to report and accurately investigate said matter. I had no way of analyzing how thorough this investigation was and feel I was neglected as a consumer. I believe these omissions constitutes a violation of my rights under the Fair Credit Reporting Act. 

I have contacted the loan service provider and was given a no response and I now have no idea who has taken control of loan nor do I understand the bounds of this matter due to the time that has passed. 

I am seeking complete removal of Westlake Financial car loan due to years of falsified credit reports. 

I understand that under the FCRA, I am entitled to dispute errors on my credit report and expect timely action to correct these inaccuracies. I trust that your office will assist in ensuring that this matter is resolved fairly and promptly. 


XXXX XXXX XX/XX/XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following company 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 seven 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. The following inquiry on my report needs to be removed. 

* 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The following company 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 seven 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. The following inquiry on my report needs to be removed. 

* XXXX XXXX XXXX - XXXX

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: FL

Complaint narrative:
Subject : Assistance Needed for Credit Report Errors and Data Breach Impacts Dear CFPB Team, I am writing to request your assistance regarding ongoing issues with my credit reports. Over the years, I have encountered significant inaccuracies, including outdated addresses, incorrect names, unauthorized inquiries, and unverified accounts. Despite multiple efforts to address these errors directly with the credit bureaus, they remain unresolved.

Additionally, repeated data breaches, including the recent XXXX incident, have worsened these challenges and compromised my financial security. These unresolved issues have caused harm, such as denial of credit opportunities, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the FTC Act.

I respectfully request your intervention to ensure the credit bureaus investigate and correct these inaccuracies promptly. Enclosed, you will find relevant documentation supporting my claims.

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Sincerely, 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