vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
The car was 5 time what the car was worth. This was a predictor loan and the company went out of business and a new company created a new contract that I didnt agree with the new terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I sent several dispute letters requesting proof of credit debt such as the original contract with signature or letter was sent in XX/XX/year> they are still reporting negative on my credit reports. They actually report different amounts owed on each credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 my concerns regarding the Zelles handling of disputes, particularly in light of the recent CFPSs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has 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 2025-02-09 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: NE

Complaint narrative:
These inquiries are fraudulent they were done with our my knowledge or approval I called XXXX XXXX  and stopped the IRA or Checking account and I told them to stop the cred card they said they could not stop it but will remove the inquiry afterwards, I had no idea of XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX card are all fraudulent applications that ran my credit without my knowledge or consent, I am requesting an hard copy of my credit report from all credit bureaus Experian, Transunion, Equifax as I am requesting and Equifax has refused to send an hard copy of report or dispute my inquiries. and dispute XXXXXXXX XXXX XXXX on XX/XX/2024 from Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NE

Complaint narrative:
These inquiries are fraudulent they were done with our my knowledge or approval I called XXXX XXXX  and stopped the IRA or Checking account and I told them to stop the cred card they said they could not stop it but will remove the inquiry afterwards, I had no idea of XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX card are all fraudulent applications that ran my credit without my knowledge or consent, I am requesting an hard copy of my credit report from all credit bureaus Experian, Transunion, Equifax as I am requesting and Equifax has refused to send an hard copy of report or dispute my inquiries. and dispute XXXXXXXX XXXX XXXX on XX/XX/2024 from Transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NV XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX **Subject : Dispute of Charge-Off Account - NATIONAL CREDIT SYSTEM ( Account Number : XXXX ) ** I am writing to dispute inaccurate information that appears on my credit report. The items in question are inaccurate on this account. These items are inaccurate and do not reflect my actual credit history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected as soon as possible. The FCRA requires consumer reporting agencies to ensure that consumer reports are accurate and to conduct thorough investigations of disputed information. Furthermore, it mandates that consumer reporting agencies follow specific procedures before reinserting previously deleted information into consumer reports. According to the Consumer Financial Protection Bureau ( CFPB ), XXXX has been found to conduct faulty investigations that fail to address consumer disputes properly. It has been reported that XXXX uses flawed intake procedures and does not convey all relevant information to the original furnishers. Additionally, XXXX has been known to reinsert inaccurate information without matching it with records of previously deleted information. Therefore, I expect XXXX to conduct a proper investigation and provide me with the results. If these inaccuracies are not promptly corrected, I will consider taking further action, including filing a complaint with the CFPB and seeking legal advice. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-09 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 attaching an FTC report containing 5 fraudulent accounts as well as 3 fraudulent inquiries listed here below to be be deleted by transunion. The TransUnion representative I spoke with today told me to submit this FTC report containing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I am attaching an FTC report containing 5 fraudulent accounts as well as 3 fraudulent inquiries listed here below to be be deleted by transunion. The TransUnion representative I spoke with today told me to submit this FTC report containing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-09 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: DE

Complaint narrative:
I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX ] Subject : Formal Dispute Under 15 U.S. Code 1681o ( FCRA Violation ) Dear [ XXXX  dispute Department ], XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debtors agreed to remove off credit report reporting inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXX. [ XXXX XXXX XXXX XXXX XXXX ] [ The debtors agreed to remove off credit report reporting inaccuracy ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ Agreed to remove off credit reporting inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ The debtors agreed to remove off credit report, reporting Inaccuracy ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ The debtors agreed to remove of credit report reporting inaccuracyXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX ) XXXX ] [ The editor agreed to remove off credit report. ] I am writing to dispute inaccurate and/or unauthorized information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that [ describe the inaccurate or unauthorized information, such as an account, inquiry, or personal information ] has been reported or accessed in violation of my rights. 

Under 15 U.S. Code 1681o, any party that fails to comply with the requirements of the FCRA due to negligence is liable for damages. I believe this applies to my situation, as the inaccurate or unauthorized entry on my report has caused harm, including [ describe any damages such as credit denials, financial loss, or emotional distress ]. 

I formally request the following actions be taken immediately : XXXX. Investigation and Removal Conduct a full investigation into the disputed item and, if it is found to be inaccurate or unauthorized, remove it from my credit file. 
XXXX. Proof of Authorization Provide documented proof that [ company name or entity ] had a permissible purpose under the FCRA to access or report this information. 
XXXX. Updated Credit Report After resolving this dispute, send me a free, corrected copy of my credit report. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If this issue is not resolved promptly, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. Additionally, I reserve the right to pursue legal action for damages under 15 U.S.C. 1681o.

Please find attached copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was closed on XX/XX/XXXX with no explanation or proof of reason for closure I reached out via chat and was told they would get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
My personal information and entire credit profile has been compromised due to Equifax and experience data breach. All of my information has been sold and given to third-party companies creating inconsistencies and false filing under my name and likeness. I asked company to please remove these immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: DE

Complaint narrative:
I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.

Send me a copy of my credit report after your investigation is completed also show me how you investigated my claim of the account im disputing, so me how this account is incomplete and accurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # EXPERIAN, has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX DEPT OF ED - XXXX XX/XX/XXXX - XXXX DEPT OF ED - XXXX XX/XX/XXXXXXXXXX/XX/XXXX - XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXXXX/XX/XXXXXXXX # XXXX Account Name : XXXXXX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX# XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX XX/XX/XXXX # XXXX Account Name :XX/XX/XXXX # XXXX Account Name : XXXX XXXX XX/XX/XXXX# XXXX Account Name : XXXX XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XX/XX/XXXX # XXXX Account Name : XXXX # XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I am writing to explain that I am a victim of identity theft, which has resulted in fraudulent entries on my credit report. I did not authorize any of the activity listed, and I discovered these inaccuracies when reviewing my credit file on XX/XX/scrub> 2025. The company named XXXX XXXX and few other collections and inquiries that were not made or authorized by me. I have reported the matter to FTC and obtained an Identity Theft Report to verify my claim. I respectfully request that the fraudulent accounts be removed and my credit file updated accordingly. I have supporting documentation and appreciate your prompt attention to this matter. And remove these items off my credit profile that is hindering me! 

Right to Dispute Inaccuracies ( 1681i ) If a consumer finds incorrect information on their credit report, they can dispute it. Credit bureaus must investigate and correct errors within 30 days. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: IN

Complaint narrative:
XXXX 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 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation