vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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:
Subject : Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Experian on [ date ]. Upon reviewing my report, I found several errors that I believe require immediate correction. The items in question are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), Experian is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, I am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Experian for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. 

I am requesting that Experian conduct a comprehensive and timely investigation into my dispute and provide me with written confirmation of the outcome within 30 days, as required by law. If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 



Please send your written response to my address listed above or contact me directly at [ your phone number ] if you require additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith.

( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file ( Hard Inquiry ) - Delete from file I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 regulationE. These action 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 2025-01-26 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: MO

Complaint narrative:
I don't recognize the addresses and I want to remove it from my credit report immediately thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Previous employers XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I CANT PAY {$500.00} A MONTH IM BASICALLY JOBLESS THIS BUSINESS DEGREE WAS THE WORST POSSIBLE MISTAKE I EVER MADE I CANT GET A JOB WITH IT, CANT AFFORD TO PAY FOR ANYTHING WITH IT CANT GET ANYTHING OUT IF IT IF I COULD RETURN IT FOR A REFUND I WOULD THIS HAS BEEN THE BIGGEST SCAM OF MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Synerprise Consulting Servies claims To be a collector for XXXX XXXX XXXX on XXXX XX/XX/year> for {$1900.00}. I do not have any debts owed for Medical debt to either of these parties further medical debts are not legal to be reported on my XXXX, XXXX XXXX XXXX XXXX credit reports and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
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 complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
This is my third and final attempt to resolve inaccuracies on my credit report. Despite my previous disputes submitted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, your responses continue to demonstrate a blatant disregard for the Fair Credit Reporting Act ( FCRA ), specifically 609, 611, 617, and 618. 
Violations of the FCRA : 1. Section 609 : I requested documentation verifying the accuracy of the disputed items, including the original source of information. You have failed to provide any valid evidence or original documentation that substantiates these claims.

2. Section 611 : Your obligation to conduct a thorough and reasonable investigation of disputed information has not been met. The responses I have received are generic, incomplete, and fail to address the specific evidence I provided.

3. Section 617 : By failing to correct or properly investigate disputed inaccuracies, you have caused direct harm to my creditworthiness. This negligence is unacceptable.

4. Section 618 : Your continued failure to comply with the requirements of the FCRA constitutes willful noncompliance, which exposes you to legal liability for damages. 
To reiterate, the disputed accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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 2025-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc.
State: MN

Complaint narrative:
This loan is from a for profit school that was on the list of federal loans discharged. I had XXXX  XXXX discharged from my federal but this is the private loan portion. I refinanced recently, I pay the XXXX XXXX XXXX XXXX  and get charged over {$100.00} a month in interest. In addition, the amount last year was {$16000.00} and I paid XXXX XXXX XXXX  and now I owe more than {$16000.00}. There is no way this is getting any lower

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/year> I purchased a multizone mini split ductless heating and air unit from XXXX for {$61.00}. I received an email from them with a receipt of purchase. They said it would ship in 72 hours. 
( XX/XX/year> ) I waited for them to ship and never got an updated email. I continuously tried to message the company with no success. My email wouldnt send because there servers dont exist. And after going to their website and trying to find a live chat option which they didnt provide I did come across a phone number for them which isnt in service. 
( XXXX ) So I proceeded to message cash app and let them know I want to dispute the charge for product never received. Immediately within a few hours they had denied my claim saying I had received the product. Mind you I sent screenshots of the email not being a real email. The status currently of the item still have not being shipped. And told them call the number they provided for their business and see for themselves its not in service. 
( XX/XX/year> ) cash app said they wont re open the dispute and told me I could ask for the paper work and documents on the complaint case and when requesting the documents what they provided was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: GA

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.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.I would like to be reimbursed for the reported transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint against Cash App, operated by Block , Inc., under the Electronic Fund Transfer Act ( EFTA ) and Truth in Lending Act ( TILA ), due to fraudulent transactions, inadequate security measures, and failure to provide adequate customer service. 

Legal Violations and Description of Issue : 1. Fraudulent Transactions ( EFTA 1693g ) : Unauthorized charges occurred on my account, and Cash App failed to properly investigate and address the issue in a timely manner.

2. Failure to Secure Account ( EFTA 1693c ) : Cash Apps inadequate security measures exposed my account to fraud, and they failed to take proper action to protect my funds and personal information.

3. Failure to Provide Timely and Effective Customer Support ( TILA 1666 ) : Despite multiple attempts to resolve this matter, Cash App has not provided adequate customer service or refunded my losses. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
I am filing a compliant against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 5 U.S.C. 1681, which mandated a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CARS Acquisition, LLC
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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 ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 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-CFBB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate 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 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint due to Experian 's, XXXX failure to accurately maintain and correct errors on my credit report. Despite my numerous attempts to address these issues directly with Experian, they have failed to remove inaccurate negative items from my credit file. This negligence has caused significant harm to my financial well-being, including a lower credit score, denied credit opportunities, and financial stress. 

Specifically, I have identified the following issues : Negative Items That Should Be Removed :

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 2025-01-26 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian 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 Experian inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My personal data was compromised in a data breach and I see false and inaccurate information on 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 2025-01-26 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: TX

Complaint narrative:
I have filed many disputes with Transunion to remove these accounts off my credit report they prolong to my father who had the same name as me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have dispute these accounts over and over with TransUnion 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 non-monetary relief