vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and does not reflect my true credit history. XXXX XXXX XXXX  XXXX ACCOUNT # 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and does not reflect my true credit history. XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-24 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: FL

Complaint narrative:
Can you help me create a dispute letter using the 1681 for civil liability for negligence non compliance.

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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to file a dispute for credit repair services I paid for on XX/XX/XXXX and had not received. I spoke with XXXX representatives on that day. XXXX XXXX advised he could not locate the transaction and suggested I contact my bank. I reached out to the bank who advised me to contact Paypal for the dispute. I called back and rep XXXX took the time to actually research to locate the charge and filed the claim. After weeks of no communication from PayPal I reached back out to follow up. I spoke with multiple representatives who advised that no claim had been filed. So I requested a supervisor review the calls to verify I was told a claim was being filed and it was within the 180 day time frame. The supervisor only listened to the XXXX call and concluded no claim was filed. After being advised the supervisor did not thoroughly review all the calls I requested a supervisor callback. On approximately XX/XX/XXXX I received a call from XXXX who advised she would listen to all calls and give me a callback. On XX/XX/XXXX XXXX returned my call and confirmed the information I had shared was correct and she was able to locate the claim. She advised the claim had been filed on my secondary Paypal account and no one ever advised I was calling on the wrong account. She sent the claim for an appeal and advised me to upload the conversation with the seller. Immediately after uploading the documents the claim was denied. Stating it was not cover under the protection plan due to it being filed outside of the 180 days which was false. The claim was filed 4 days prior to reaching the 180 day time frame. I reached back out spoke with another supervisor who advised they would escalate the claim to have it reviewed again on XX/XX/XXXX. Immediately I received a denial stating it exceeded the 180 day time frame. Reached back out on XX/XX/XXXX and spoke with supervisor XXXX who refused to escalate the claim for proper adjudication and ensure that I do not receive another automated denial. I hung up with XXXX called back and spoke with XXXX who reviewed the case, confirmed everything had been done correctly. He advised he was escalating the case again and noting for someone to manually review the claim and finalize it correctly. Currently awaiting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Company keep reporting XXXX account to my credit report a refuse to remove them.. I have sent in a fraudulent affidavit, ( police report ) showing that these accounts do not belong to me XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

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 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I want to preface this with the fact that I have multiple credit cards, not because of poor debt management but to improve my credit score which is over XXXX. 

With that, I have multiple credit cards ( including other store credit cards like XXXX 's ) and they all allow me to make same-day payments. The Target credit card, however, makes it hard to make a same day payment. The Target credit card only accepts same-day payments before XXXX XXXX XXXX, and they otherwise charge a late payment fee even if paid on the due date. Other credit cards allow payments at any time on the due date and do not charge a late fee so long as it is made before midnight. I've paid on the due date in XXXX occasions in the last 6 months and on both occassions they have charged a late fee even when it is completed on the due date. 

The Target credit card should be able to offer the same options that their competitors, and in some cases smaller companies, do. It is unfair that XXXX can have this predatory practice that allows them to unjustly earn late fees because of their inability to process payments like most other credit card providers on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I put a dispute in with XXXX transunion, XXXX about the XXXX accounts that Ive been complaining about XXXX is for Credit collection service XXXX is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law 15 usc 1666 ( b ) experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.

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 2025-01-25 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: NJ

Complaint narrative:
I put a dispute in with XXXX XXXX, Equifax about the XXXX accounts that Ive been complaining about XXXX is for Credit collection service XXXX is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law 15 usc 1666 ( b ) experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
It is showing on my credit report that it is a charge off, that means that they wrote it off as a loss yet I never was given a 1099c to report it as income. That being said, I would like to know why it is still on my credit report, credit reports have to be accurate. I will be seeking statutory damages going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 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 ( File No. 2025-CFPB-0002 ) 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. These accounts are fraudulent. I don't have no knowledge of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Suites XXXX & XXXX XXXX, CA XXXX Subject : Request for Proof of Loan Satisfaction for Loan Number XXXX Dear XXXX Mortgage Services, I am writing to formally notify you that the loan associated with Loan Number XXXX has been satisfied in full. As such, I am requesting an official document verifying that the loan has been paid off and executed. 

This proof of loan satisfaction is necessary for my records, and I kindly ask that you provide it at your earliest convenience. Please include details confirming the release of any associated liens and the closure of this account. 

Should you require any additional information or documentation to process this request, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, NV 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 2025-01-24 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
This account was opened up Fraudulently. My identity was stolen and misused, I've tried to resolve issue, and I have been unsuccessful in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: Self Financial Inc.
State: IL

Complaint narrative:
This account was opened up Fraudulently. My identity was stolen and misused, I've tried to resolve issue, and I have been unsuccessful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I disputed about three things in my credit report and within a week XXXX closed my dispute with no further explanation. After requesting documentation I got no further response.

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 2025-01-24 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 am fling a complaint against Equifax 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 ( File No. 2025-CFPB-0002 ) 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. These are the accounts that I have marked in accurate XXXX Account services and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NV

Complaint narrative:
I am filing a compiaint against Equifax for failing to properiy 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 providing any evidence of a inorougn ( File No. 2025-CFPB-0002 ) 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 explanation
Consumer complaint received 2025-01-24 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:
There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S.Code 241.

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 2025-01-24 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: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate information on my credit report provided by Experian. I have identified several inaccuracies that I have disputed, but my concerns have not been adequately addressed. 



Inaccuracy # XXXX : XXXX OF XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX OF XXXX XXXX XXXX Description : Never Authorized Inaccuracy # XXXX : Capital XXXX Auto Fin Inqiury XXXX Description : Never Authorized Inaccuracy # XXXX : XXXX XXXX XXXX XXXX Description : Never XXXX Inaccuracy # XXXX : XXXX XXXX XXXX Inquiry date : XX/XX/year> Description : Never Authorized I have made multiple attempts to resolve these issues directly with the agency, including submitting documentation to support my claims. However, the agency has not provided satisfactory responses or corrected the inaccuracies. 



This complaint is based on potential violations of the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : 1. Under the FCRA, consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate disputes and correct any inaccuracies.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : 2. If any of the inaccuracies relate to debt collection, the FDCPA prohibits unfair practices in the collection of consumer debts.

3. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : 3. This act grants the CFPB authority to oversee and enforce compliance with consumer protection laws, including those related to credit reporting.

4. Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ) : 4. If applicable, this act requires lenders to provide clear and accurate information about credit terms and costs.

I am particularly concerned about the lack of transparency in the verification process and the impact these inaccuracies have on my credit score and financial well-being.

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 2025-01-24 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: GA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and does not reflect my true credit history. XXXX XXXXXXXX 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