vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Violations of the FCRA and TILA by Credit Bureaus Reporting XXXX  Account Discrepancies Dear CFPB, I am writing to formally file a complaint regarding inaccuracies and violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) related to the XXXX  account ( Account # XXXX ) reported by XXXX XXXX XXXX, and Equifax . 
Despite previously disputing this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved. These inaccuracies are severely affecting my credit profile. I am requesting immediate corrective action and a thorough investigation in compliance with federal law. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Balance Owed : {$1700.00} ( all bureaus ) Payment Status : Collection/Chargeoff ( all bureaus ) Creditor Remarks : XXXX : " Charged off as bad debt. Dispute resolved ; customer disagrees. '' XXXX : " Subscriber reports dispute resolved - consumer disagrees. '' Equifax : " Consumer disputes after resolution. Charged off account. '' Credit Limit : XXXX : {$2500.00} XXXX : {$2500.00} Equifax : {$0.00} Violations of Federal Law : FCRA Violations 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation of disputed information within the required time frame. 
15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

15 U.S.C. 1681c : Reporting outdated or erroneous payment histories and statuses.

15 U.S.C. 1681b : Improper use and reporting of my credit information.

TILA Violations Failure to disclose accurate information about the account status, balance, and charge-off details. 
Requested Resolution : Immediate deletion of the XXXX  account from my credit reports across XXXX, XXXX, and Equifax due to failure to verify its accuracy as required by FCRA. 
Written confirmation of the deletion within 15 days of receipt of this letter. 
A comprehensive explanation of the reinvestigation process and steps taken to address my dispute. 
Attachments : Copies of my dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Copies of my ID and Social Security card. 
Screenshots and documentation of inaccuracies from my credit reports. 
Failure to comply with these requests will result in further escalation, including legal action to protect my rights under the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I am filing this complaint regarding an account reported on my credit report that appears to be inaccurately and inconsistently reported by [ creditor name ] to the credit bureaus ( TransUnion, Experian, and Equifax ). 

Here are the details of the account in question : Account Number : XXXX Account Type : Credit Card ( XXXX  ) Date Opened : [ XX/XX/year> or XX/XX/year> depending on discrepancies ] Balance : {$3700.00} Credit Limit : {$2500.00} The following potential violations of the Fair Credit Reporting Act ( FCRA ) were observed 1. Inconsistent Reporting of Account Status : The account is listed as " Closed '' on one bureau and " Open '' on others. This inconsistency violates the FCRAs requirement for data accuracy and uniformity across credit bureaus.

2. Balance Exceeds Credit Limit : The reported balance of {$3700.00} exceeds the stated credit limit of {$2500.00}. If accurate, this may indicate either mismanagement by the creditor or failure to update the data. If inaccurate, it is a reporting violation under the FCRA 3. Account Terms Not Clearly Defined : The account lists " 0 Months '' as terms, which conflicts with the ongoing monthly payment requirement of {$94.00}. This creates confusion and implies incomplete reporting.

4. Violation of Reporting Timeliness : There are discrepancies in the " Date Opened '' field across the bureaus, with XXXX XXXX XX/XX/year> and Experian and XXXX XXXX XX/XX/year>. Consistency and accuracy are mandated by the XXXX XXXX XXXX guidelines.

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 2025-02-03 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: NY

Complaint narrative:
I RECENTLY REVEIW A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT

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 2025-02-03 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was not reporting accurately. I noticed I have fraudulent activities. Consumer reporting agencies need to report all information accurately. Im now requesting you and remove all fraudulent accounts. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-03 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-03 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 the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement. 
15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
Currently, an account that has been paid in full and closed continues to report late payments, unfairly affecting my credit score. 

Below is the information for the account in question : 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/year> Although I recognize that there have been late payments in the past, the account has now been fully paid and closed. Since the debt has been settled, I request the removal of the negative reports associated with this account, as they no longer reflect my current financial situation and unfairly affect my credit. 

I am attaching the following documents in support of my dispute : Proof of full payment of the account. 
Copy of my credit report, which shows the negative status of the account. 
I request that the CFPB investigate this situation and, if it finds merit, order the removal of the negative records from my credit history. I look forward to a resolution in accordance with current regulations within the appropriate time frame. 

I appreciate your prompt attention to this matter and remain available to provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
M & T Bank charged me multiple NSF fees stating that I did not have sufficient funds when I had more than enough funds in the account as well as overdraft protection and an overdraft account if that were ever to be an issue. M & T also states that they stopped charging NSF fees which is false as I have many statements showing this fee and was charged as such when there was sufficient funds in the account.

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 monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
After reviewing my credit report, I identified errors in my personal information that need correction. I am requesting the removal of any incorrect addresses that do not reflect my current address. Additionally, my accurate employer is XXXX XXXX XXXX XXXX, and I request the update of any inaccurate employer details on my credit report. These inaccuracies can misrepresent my credit profile, potentially causing difficulties in obtaining credit, delays in financial transactions, and unnecessary confusion. Moreover, such errors contribute to stress and XXXX, impacting both my financial and overall well-being. Ensuring accurate reporting is crucial to protecting my credit status and preventing undue disadvantages from errors beyond my control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app charges was not me I reported it and all that was done was I wasnt able to get a new card I need my money back and I want to be able to use my account with a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom It May Concern, I am writing to formally dispute an error on my credit report regarding an inaccurately reported late payment. I recently reviewed my credit report and found that XXXX, XXXX, XXXX has reported a late payment on my Capital One account, which is incorrect. 

I closed this account in XX/XX/year> with a XXXX balance, and I have never had a late payment or any outstanding debt on this account. The reported late payment is a mistake, and I request that it be removed from my credit report immediately. 

To support my claim, I have attached the following documents : A copy of my credit report highlighting the error A confirmation letter or statement showing my account closure with a XXXX balance Any additional supporting documentation I request that this inaccurate information be corrected as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation once the correction has been made. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I attempted to open a investment account with Cash App on XX/XX/XXXX and got a message that there is already an account associated with my social security number. I followed the directions and emailed them and let them know that I did not have an account and my concern that someone was fraudulently using my social security number. I had to send them a selfie with my ID and social security card and pictures of my ID and social security card. I wasn't comfortable doing this but it appeared to be the only way to prove it was my SSN. I don't know why someone else was able to open an account so easily without the same verification. I emailed my ID on the XXXX and my SS card on the XXXX and haven't heard anything. I emailed them for a status update on XX/XX/XXXX and was told they are looking into it. I find it alarming that someone is able to use my SSN and they have been aware for almost a month and have done nothing. Thanks for you help in resolving this matter.

Company response to consumer: Closed with explanation