vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: VA

Complaint narrative:
My identity was hacked a long time ago where my social leaks through dark web since then been receiving things that i didnt apply for or sign up for. Ive disputed things thats been pass 5 years wouldnt let me dispute

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 2025-01-19 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:
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 2025-01-19 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: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
A XXXX  XXXX XXXX credit card was fradulently open under my name. The account does not belong to me and is negatively affecting my credit report

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 2025-01-19 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:
A XXXX XXXX XXXXXXXX credit card was fradulently open under my name. The account does not belong to me and is negatively affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 noticed a few accounts on my credit report that show that they have been PAID, or CHARGED OFF. I have also noticed these accounts still have balances on them, I would like to obtain a 1099-C copy for each of these accounts. 

XXXX XXXX - [ Accout # XXXX ] - Date Opened - XX/XX/XXXXXXXX  - Balance - { {$490.00} } XXXX XXXX XXXX - [ Accout # XXXX  ] - Date Opened - XX/XX/XXXX - Balance - { {$360.00} } XXXX XXXX XXXX  - [ Accout # XXXX ] - Date Opened - XX/XX/XXXXXXXX  - Balance - { {$600.00} }

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 2025-01-19 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: CA

Complaint narrative:
I have noticed a few accounts on my credit report that show that they have been PAID, or CHARGED OFF. I have also noticed these accounts still have balances on them, I would like to obtain a 1099-C copy for each of these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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:
Experian 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 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 removeddisputed 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. 
I want the CFPB

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 2025-01-19 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 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 unfeasiable. The CFPBs 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
Personal info compromised company do not have live agents to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
In XX/XX/year>, I took out a title loan for {$8000.00}, not fully understanding the terms of the agreement. My monthly payment is {$280.00}, which I initially thought would help me gradually pay off the balance. However, I later discovered that the {$280.00} payment only covers the interest, with none of it reducing the principal amount. As a result, no matter how many payments I make, the loan balance remains the same. This has created a financial trap I cant escape, as Im unable to afford paying off the loan in full. Being in a difficult financial position, I feel stuck with no clear way out of this predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: WA

Complaint narrative:
Transunion 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 Transunion, 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 Transunion 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 Transunions 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 2025-01-19 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI. XXXX XXXX XXXX XX/XX/XXXXXXXX  Subject : Dispute of Negligence and Noncompliance under FCRA Section 1681O I am writing to formally dispute certain actions that I believe constitute negligence and noncompliance under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that you or your company have failed to comply with your duties under the FCRA, resulting in harm to my credit report and financial well-being. Specifically, Experian and XXXX. 

Under Section 1681o of the FCRA, an individual can seek civil liability when a consumer reporting agency or furnisher of information has negligently failed to comply with the provisions of the FCRA. I believe that the actions outlined below meet the criteria for negligence or noncompliance, as they have directly impacted my credit and violated my rights under the FCRA : Failure to Investigate a Disputed Item : On XX/XX/XXXX, I submitted a dispute regarding XXXX. However, after 90 days I received no response or investigation into the matter, which is a clear violation of FCRAs requirement for timely resolution. 

Inaccurate Reporting or Failure to Correct Information : Despite [ prior dispute, investigation, or correction request ], inaccurate information remains on my credit report, indicating negligence in ensuring compliance with FCRA obligations. 

Failure to Provide Required Notices : A notice of dispute resolution or error correction, were not provided. 

As a result of this failure to comply with the FCRA, I have been adversely affected in the following ways : Denials of credit, higher interest rates, and emotional distress. 

Therefore, under FCRA Section 1681o, I am requesting the following : Immediate investigation and correction of the inaccurate information or other violations. 
Compensation for any damages caused by the failure to comply with FCRA provisions, including but not limited to [ list damages, such as costs, fees, and any other monetary losses ]. 
A written response detailing the actions taken to remedy the situation within the time frame required by the FCRA. 
Please take immediate action to correct this issue. If this matter is not resolved satisfactorily within [ reasonable time frame, such as 30 days ], I will consider all legal options available, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal action. 

I expect a prompt and thorough resolution of this matter. If you require any further information from my end to facilitate this process, please let me know. 

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 2025-01-19 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: NY

Complaint narrative:
I have wrote several complaints also I have contacted equfax numerous of times about accounts on my report, they still remained on my credit report they did not provide any information on why it remained or investigation details. I want removed off my report .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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
A XXXX XXXX account was open fraudently in my name. I have never opened an account with them and this has affected my credit negatively. I dont know where the card was opened up at and where it was used.

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 2025-01-19 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:
A XXXX XXXX  account was open fraudently in my name. I have never opened an account with them and this has affected my credit negatively. I dont know where the card was opened up at and where it was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had XXXX  on my cash app and one day went on and only had XXXX left and was told there was nothing they could do to help me my money back or resolve the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 unfeasable. The CFPB 's findings indicate that ZELLE has not only neglected to protect consumers but 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 2025-01-19 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and several other companies breach my information. I am a victim of identity theft and all derogatory statements and collections need to be removed immediately. Everything needs to be removed due to all my information being exposed in brench. Dont turn my dispute into a 30 day dispute incordance with 605B.

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 2025-01-19 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: WA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Ive sent over serval documents that provide proof of my address and that the address being reported on my consumer report is not mine. They have ignored several of my request. I am filing aa complaint to have this information removed as it is affecting my. consumer report with false information. 

The inaccurate information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
XXXX account : XXXX  Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law. 

I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days. Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred. Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. Here is the item I am asking you to verify as accurate : XXXX account : 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