vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am filing a complaint against Equitax 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, 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 the account is accurate, without previding 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
To : Experian, XXXX, and XXXX Subject : Formal Request for Deletion of Unverifiable Account Based on XXXX Deletion To Whom It May Concern, I am writing to formally request the deletion of an unverifiable account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). The account in question is listed as a charge-off from XXXX XXXX XXXX XXXX with a balance of {$13000.00}. 

On [ date ], I disputed this account on my XXXX credit report. XXXX completed their investigation, and as of XX/XX/year>, the account was deleted from my report. Given this deletion, I am requesting that Experian, XXXX, and XXXX remove this unverifiable debt from my credit file. 

Under the FCRA : Section 611 ( a ) ( 1 ) ( A ) obligates you to investigate disputed information and delete or correct any unverifiable account within 30 days.

Section 623 ( a ) ( 1 ) ( B ) mandates that information furnishers must not continue reporting inaccurate or unverifiable information. 

Since XXXX has removed this account, it is evident that the account could not be verified. Therefore, I am requesting that all three credit reporting agencies conduct similar investigations. If this account can not be verified according to the standards of accuracy and completeness set forth in the FCRA, it must be deleted from my credit file entirely. 

Legal Right to Sue if Not Addressed : Should your investigation fail to result in the deletion of this unverifiable account within 30 days, I reserve my rights under Section 616 and Section 617 of the FCRA to seek legal action against your agency for willful or negligent noncompliance with federal law. Noncompliance may result in damages, court costs, and attorney fees as outlined in these sections. 

Additionally, the deletion of this account by XXXX demonstrates that it can not be substantiated. Continuing to report unverifiable or inaccurate information may also violate Section 623 ( b ) ( 1 ) ( C ), which requires furnishers to cease reporting information found to be inaccurate.

I request written confirmation of the results of your investigation and a revised copy of my credit report reflecting the deletion of this account within 30 days of the date of this letter. Please send all correspondence to the address provided above or via email at XXXX. 

If you fail to resolve this matter promptly, I will escalate my complaint by submitting a formal dispute to the Consumer Financial Protection Bureau ( CFPB ) and may pursue further legal remedies. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I wired {$1500.00} from my Chase personal checking account to my newly-opened XXXX XXXX XXXXXXXX personal checking account. The transfer was done in real time so it went through within seconds. The proof of the transaction was my decreased account balance and an email from Chase stating that the transaction was successful. The next day, XX/XX/year>, XXXX XXXX XXXX sent me an email stating that my account balance was low ( it was XXXX ). I reported this to Chase and they said they would investigate the matter. About two days after I reported the matter to Chase, I discovered that I used the incorrect routing number for the wire transfer. XXXX  XXXX XXXX has two routing numbers and I chose the incorrect one, although I did not make a mistake with the digits. I reported this matter to Chase with the hope that this new information would help them in their investigation. When I called Chase on XX/XX/year> to follow up, they informed me that based on their investigation the transaction was successful and that they could not refund my money. There was nothing else that they could do and that I would have to take up the matter with XXXX XXXX XXXX. I called XXXX  XXXX XXXX and they said that there was no evidence of the transaction on their end and for that reason they could not help me. I would have to go back to Chase. So, neither bank wants to take any responsibility. In the meantime, my money had disappeared and neither bank would or could trace it. In this day and age of electronic banking that these two banks promote, I find this whole situation unacceptable and these banks operating unethically. It behooves them to help their customers when their instruments FAIL. They have the wherewithal to trace my money but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues that may violate the Electronic Funds Transfer Act ( EFTA ) as it requires it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$930.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$980.00} Charged off XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2300.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX : {$0.00} Included in Bankruptcy XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Included in Bankruptcy XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$500.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Collection XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$630.00} Collection XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Collection XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported XX/XX/XXXX Bankruptcy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
I had notices that I ha some many hard Inquiries on my credit report from XXXX  XXXX and I didn't received nothing from XXXX  XXXX at all. I have some hard inquires from them on XXXX, XXXX, XXXX, XXXX, XXXX. I have called XXXX XXXX to try to get these hard inquires off of my consumer report many times and i have not received no luck yet. I have XXXX hard Inquiries on my report on my TransUnion and my XXXX report. I don't know where all of them come from but they need to be removed from my credit report asap.

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 2025-01-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I received the card as a wedding present in XX/XX/XXXX. Taking note of the expiration date, we secured the card in its unopened and original packaging in our home waiting for the right time to use our gift. On a family vacation in XX/XX/XXXX, we decided to take the card with us and use for the trip. While at XXXX in XXXX XXXX XXXX, I opened the card, still in its ORIGINAL packing and attempted to purchase coffee, only to have the card declined. 

When I was finally able to call the company ( within the hour ) I discovered through the automated feature that the card was used in the XXXX Florida area at the following places : XXXX XXXX. {$140.00} in XX/XX/XXXX XXXX XXXX XXXX. {$2.00}. XX/XX/XXXX XXXX {$14.00} XX/XX/XXXX XXXX {$22.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX The balance on the gift card was a mere {$6.00}. 

I lodged a complaint to which they provided a ticket number ( XXXX ) and I was instructed to wait 90 days for their response and obviously since I have contacted your agency, they would not resolve my case because of the time frame of the fraudulent purchases to the time of my complaint, to which my response is that I received this card as a gift and kept it safe in my possession until I wanted to use it, how on earth was I supposed to lodge a complaint if I believed that the card was safe until I decided to use the card. 

It is worth noting that i live more than XXXX hours from XXXX Florida and works full time job. I am submitting a letter from my HR department indicating that I was working on the date of these fraudulent purchases. 

Further, I am well aware of the XXXX  of complaints against Vanilla Gift Cards as well as class action law suits against Vanilla Gift Cards for their GROSS NEGLIGENCE in protection of these gift cards! 

Although the time frame from the date of purchase of the card to the time that I attempted to use my card is long, once the card was purchased I did ALL the right things to keep my card safe and used the card long before the expiration. 

I am including ALL components of the card as well to include packaging for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-01-22 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 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:
On XX/XX/XXXX, in the business of purchasing a vehicle for a company, I only authorized a credit review and it was queried more than XXXX times and those hard inquiries were not authorized. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I would also like to eliminate. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
I am writing to express my concerns regarding Zelles handling of disputes, in light of the CFBP lawsuit highlighting significant issues with Zelle. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB AND FCRA please look at these inaccuracies Trans union is reporting and retaliating against me. Trans union has been reporting inaccurate information on both XXXX  and XXXX  XXXX. I have disputed repeatedly with no results. Transunion is reporting these accounts as closed as of dec. XXXX but open and i was not born or alive when these XXXX accounts is marked closed. This is damaging my credit worthiness and tarnishing my good name. XXXX talking to lawyers and filing suet on this company and XXXX XXXX XXXX XXXXXXXX done Transunion and these accounts reporting in correctly. but lawyers are taking over and Sueing for what's right and fair. SEE YOU IN COURT! my Lawyers printed out all the inaccurate information reporting and all the disputes i have done on these accounts and to both parties and results

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 2025-01-22 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:
Experian has failed to fulfillits legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My Zelle account was closed and XXXX dollars was taken from me and transferred unwillingly and without my consent by ZELLE. My account has been closed and with me opening a business its making me lose profit because my Zelle account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
XX/XX/year> I was scammed I tried to dispute it and get refund of {$74.00}. Told Cash App that I couldn't reach customer service number and they denied my dispute said nothing they could do! ( CashApp )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation