vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not reporting correct information on all three credit reports. I paid off a person loan XX/XX/year>2024 and my XXXX XXXX credit report is showing a balance. Please update all three credit reports with correct information showing the loan and paid off and closed.

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 2025-02-18 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: NJ

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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On the XXXX of XXXX, SoFi Bank received a transfer from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in the amount of {$XXXX}, creating a total account Balance with XXXX in the amount of {$XXXX}. XXXX then automatically restricts account, and nearly immediately after shuts down the account entirely. I call the following day ( XX/XX/year> ) to ask about why it was closed. I received word that my account was flagged for fraudulent transfers which is untrue, XXXX transfers did not go through due to the structure of the XXXX Savings account ( it doesn't support ACH ), but the issue was resolved when it caused a restriction on the account prior to the incident and that my check will arrive in XXXX Business Days. The timeline amounted to XXXX. I did not receive the check in this window. I called SoFi bank again on XX/XX/year> to inquire about where my check was. I was told that it had up to XXXX business days to arrive, leaving the end of the window at XX/XX/year>. Once again, I did not receive the check by this date, and I called on XX/XX/year> to ask again where my money was. This led to the most dramatic change of story. During this phone call, I was told that my account wasn't processed closing, and then when it is done processing, it will take either a. XXXX business days if they decide to return the funds through XXXX to the external account or b. up to XXXX business days if they send out a check. I called again on XX/XX/year> ( the day of this complaint ) and once again asked where my money was. I was told that I would receive the check XXXX business days from its issuance. When I asked the XXXX representative when it was issued and I was told : XX/XX/XXXX. I stated that I hadn't received the check yet so it was clearly lost or not issued. The representative " sent '' it to a team and told me that I will receive word on what is happening in XXXX - XXXX Business Days. This happened but a few moments ago, so the situation is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has several inquires reporting that is not mine I have sent in disputes making them aware the incorrect inquires and the matter has not been resolved. 


EQUIFAX REPORT has Several inquires that is not mine i have sent in a dispute before and this matter was not resolved. 

EXPERIAN REPORT HAS SEVERAL INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE I HAVE I SENT IN A DISPUTE BEFORE AND THIS MATTER WAS NOT RESOLVED.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my credit report shows that I was late on my XXXX XXXX account in XXXX, XXXX and XXXX of 2022. I was hospitalized during those 3 months because of XXXX. I also reported it to XXXX XXXX XXXX but they still reported it late. Because of the disaster assistance it should not show late on my credit reports. Please fix the issue and remove the lates and update my credit reports.

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 2025-02-18 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: NJ

Complaint narrative:
I reviewed my credit report and I have inaccurate information reported in the different credit bureaus which show late payments in different months and with different periods of time, according to the consumer protection law it is established that everything reported in the credit must be correct, I request that you provide me in writing, the reasonable procedures in accordance with 15 USC 1666B that you have adopted to guarantee that each periodic statement is sent by mail to me at no later than 21 days before the payment due date. Also include all information required by section 1637 b of title 15. I hope you can investigate and in this way be able to repair my credit information, as these inaccuracies are currently affecting me and I can not move forward. Thanks.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
CFPB TAKE NOTICE, THAT THE CEASE & DESIST WAS RECEIVED BY XXXX XXXX XXXX  VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX ( c ). OF THE FDCPA STATUTE IS CLEAR. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the XXXX XXXX XXXX XXXX XXXX addressed the scope of a consumer 's cease and desist request under Section 1692c of the Fair Debt Collection Practices Act ( FDCPA ). The court clarified that such a request obligates the debt collector to cease all forms of communication with the consumer regarding the debt, including communications with third parties like credit reporting agencies. This interpretation underscores that a consumer 's cease and desist request under Section 1692c requires the debt collector to halt all communications related to the debt, including those with third parties such as credit reporting agency THE FDCPA DEFINES COMMUNICATIONS AS TO INCLUDE ANY AND ALL FORMS, IN ANY MEDIUM OR FORMAT TO ANYONE INCLUDING MYSELF OR ANY THIRD PARTY. IT STATES ALL COMMUNICATIONS AND COLLECTIONS ATTEMPTS MUST CEASE. IT ALSO STATES THAT A CONSUMER HAS A RIGHT TO REFUSE TO PAY A DEBT WHICH I CLEARLY WROTE IN MY CEASE AND DESIST LETTER. COURTS HAVE RULED REPORTING TO CONSUMER REPORTING AGENCIES AMOUNTS TO COLLECTION ATTEMPTS AND AMOUNTS TO THIRD PARTY COMMUNICATION. SO AS DEBT COLLECTION COMPANY ARE GOVERNED BY THE FDCPA, THERE IS NOTHING IN THE FCRA OR FDCPA REGULATIONS THAT GRANTS A DEBT COLLECTORS THE ABILITY TO IGNORE A CONSUMERS RIGHTS WHEN A CONSUMER IN WRITTING INVOKES 15 USC 1692c ( c ). THE REPORTING, COMMUNICATING, AND COLLECTIONS ELIGIBILITY CEASES UNDER THE FDCPA WHEN A CONSUMER INVOKES 15 USC 1692c ( c )

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 2025-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc.
State: NV

Complaint narrative:
XXXX XXXX sold debt to Investment Retrievers as a collection I disputed the investment retrievers collection, it got deleted and then months later XXXX XXXX REINSERTED the debt on my credit report Under the Fair Credit Reporting Act ( FCRA ), a credit reporting agency can not reinsert previously deleted information into your credit report unless the data furnisher ( in this case, potentially XXXX or the collector ) certifies that the information is accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXX/2024 XXXXXX/XX/XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

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 2025-02-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XX/XX/XXXX/2024 XXXXXX/XX/XXXX/XXXX/2024 XX/XX/XXXXXX/XX/scrub>/2024 XXXX XXXX/XXXX/2024

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED THE FOLLOWING INFORMATION REGARDING INQUIRIES TO BE IN ERROR. THE FAIR CREDIT REPORTING ACT STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT, ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER.

THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES, AS I HAVE REITERATED FROM THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/scrub> 2025 XXXX XXXX XXXX XXXX XXXX, 2025 XXXX XXXX XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX  XX/XX/scrub> 2025 XXXX XXXX - XXXX XXXX XX/XX/year>2025 XXXX XX/XX/year>2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I was charged an extra month through XXXX Internet back in XX/XX/year> and was never given a bill or information about delinquent payments after I canceled my account. Instead of reaching out, they deferred the bill to collections. After disputing with several other agencies, the that speaker removed. Now IC System never communicated with me. I only discovered when my credit plummeted attempts to reach out to speed. These charges were met with no response. Two out of three credit bureaus have removed the collections from their credit reports.

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 2025-02-18 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : Unauthorized/Incorrect Hard Inquiry Company That Performed InquiryXX/XX/XXXX Date of Inquiry : XX/XX/year>24 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
I am writing to formally demand the immediate removal of a fraudulent account from my credit report. After reviewing my credit file, I discovered an account that was opened without my knowledge or consent. This is a clear case of unauthorized and fraudulent use of my identity, and I am taking this matter very seriously.

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 2025-02-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: IL

Complaint narrative:
I have attempted to resolve the inaccurate information and fraudulent inquiries being reported on my credit report on several occasions. With each interaction with Experian, they do nothing to assist me in resolving their errors. 

Fraudulent inquiries remain on my credit report and inaccurate, outdated personal information yet remains as well. 

Experian is in clear violation of FCRA laws 15 USC 1681b and 15 USC 1681i. According to XXXX XXXX XXXX 1997, Experian is required to ensure MAXIMUM POSSIBLE ACCURACY. To date, THEY HAVE NOT! 

There must be an authority that demands justice for me as a consumer and forces companies like Experian to uphold the law. I just want 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 2025-02-18 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XXXX/XXXX/2019

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 2025-02-18 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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