vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
Date : XX/XX/year> To : Equifax Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Correction of Credit Report XXXX XXXX XXXX XXXX Dear Equifax XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under XXXX law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( XXXX ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX {$56000.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-12 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. nor therfore any such debt in fact therfore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX  balance {$1900.00}, XXXXXXXX XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX XXXX balance {$25000.00}, XXXX XXXX XXXX in balance {$900.00}, XXXX XXXX XXXX XXXX balance {$23000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CO

Complaint narrative:
Please see supporting documentation pertaining to the Equifax Data Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 expressing my concerns regarding XXXX handling of disputes, particularly in the 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 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 2025-02-12 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: VA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 CFPBs 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 2025-02-12 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: NC

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 consumers 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 's 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 2025-02-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
To whom it may concern, am writhing in regards to a faulty transaction that occurred on XX/XX/year> while was in the hospital receiving XXXX. Had no way of submitting a XXXX  order nor did authorize any type of food delivery service. Had done my due deligence in reaching out to the cash app company as well as XXXX  to follow up on this transaction from the {$96.00} deduction on my account. Those small but very imperative increments were needed for transportation as well as other medical needs of my own while being XXXX  as well getting rides home and and accommodating myself when arrived home. Had called XXXX immediately and they ran the transaction numbers and invoice numbers and were unable to research any transaction of any sort to be related to my complaint. Which raised my concern even more because my funds were deducted and never had order any food thru the food service app on the day of. Am very afraid whomever is capable of taking more funds from account again. Also had reached to cash app with the same discrepancy and content in regards to my complaint. Was not able to speak to a live person only was able to speak to someone thru chat and they mentioned they would contact me eventually even though my funds depleted and never order and food as well never gave any authorization to anyone to use my funds thru cash app. Have hospital proof as well as invoice numbers to indicate where had been at the time of as well as showing the deduction from my cash app account. If someone could please help with this situation as soon as possible at their earliest convenience would greatly appreciate it. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX saying that I applied for a XXXX loan at this company, I did not apply for any loan and not even away of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: KS

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-12 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes particularly in light of recent CFPB lawsuits, highlighting significant issues with the platform, despite using Zelle, numerous amounts of times and reporting discrepancies, my financial institution and Zelle failed to investigate the claims adequately. They inform me that recovering lost funds was impossible, and that tracking these transactions was unfeasible, the CFPB findings indicates 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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have submitted a dispute for an unauthorized transaction on XX/XX/XXXX, I submitted all requested documentation properly to show that transaction for {$120.00} was not authorized, including proof of a conversation where merchant tells me to talk to the bank, since they do not recognize this transaction. After about 10 days of waiting, Capital One sends an email saying claim was denied and the temporary credit was taken away. I phoned in and asked for documentation on why they made this decision, service agent dodged my request and suggested I appeal to the denial. I appealed and waited another two weeks, denial again, this time because merchant did not respond with the information No other bank has ever sided with a party that did not respond or provide documentation. I again requested all documents from decision, again received nothing but a temporary credit that was taken away again. I again called, this time they told me Capital One was lending me the {$120.00} temporary credit and due to not receiving response from the merchant they took their money back. I was again instructed to dispute, so I did, and was told the dispute was submitted. Over a week has gone by ( I called on XX/XX/XXXX, it is XX/XX/XXXX today ) and Capital One has not sent a confirmation email, a temporary credit, or any sort of information about this claim, at this point they are dodging me and hoping I will tire of this game they are playing. I formally request this situation is escalated to the appropriate personnel, as this money belongs to me, the customer service I have received is subpar, and having submitted all proper documentation and not receiving any documentation back from them is a mockery and a waste of all our times. I have been dealing with this issue for almost four months for {$120.00}, this bank leaves a lot to be desired. See all attached documents for evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-02-12 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate XXXX  Reporting on Credit Report Dear Consumer Financial Protection Bureau Representative XXXX I am filing a formal complaint regarding an inaccurate and fraudulent XXXX XXXX XXXX that has been reported on my credit file. Despite my efforts to dispute this with the credit reporting agencies, this information remains on my report. The details of the XXXX XXXX  are as follows : Type : XXXX XXXX XXXX  Status : Filed Date Filed/Reported : XX/XX/year> Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon discovering this inaccurate reporting, I contacted the XXXXXXXX XXXX XXXXXXXX for verification. On XX/XX/year>, the court responded, stating that they do not have jurisdiction over credit reporting agencies. Additionally, they confirmed that they do not report bankruptcy filings to credit bureaus nor are they responsible for third-party use of such information. 

Furthermore, I am a victim of identity theft, and this fraudulent XXXX  may be a direct result of such activity. I have attached the following supporting documents : FTC Identity Theft Report : FTC Report Number XXXX. 
XXXX XXXX XXXX : My personal information was compromised due to a data breach by XXXX XXXX XXXX. 
Police Report : Filed regarding my stolen wallet and fraudulent financial activity ( XXXX XXXX XXXX ). 
Unauthorized Financial Activity : Checks were written without my authorization, resulting in closed accounts due to fraud. 
XXXX XXXX : A fraud alert has been placed on my credit report to prevent further unauthorized activity. 
This bankruptcy is inaccurate, unverifiable, and fraudulent. As per the Fair Credit Reporting Act ( FCRA ) 1681i, credit reporting agencies are required to investigate and remove any inaccurate or unverified information. Despite my dispute, the credit bureaus have failed to properly investigate and continue to report false and damaging information about me.

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 2025-02-12 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate XXXX  Reporting on Credit Report Dear Consumer Financial Protection Bureau Representative XXXX I am filing a formal complaint regarding an inaccurate and fraudulent XXXX XXXX XXXX that has been reported on my credit file. Despite my efforts to dispute this with the credit reporting agencies, this information remains on my report. The details of the XXXX XXXX  are as follows : Type : XXXX XXXX XXXX  Status : Filed Date Filed/Reported : XX/XX/year> Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon discovering this inaccurate reporting, I contacted the XXXXXXXX XXXX XXXXXXXX for verification. On XX/XX/year>, the court responded, stating that they do not have jurisdiction over credit reporting agencies. Additionally, they confirmed that they do not report bankruptcy filings to credit bureaus nor are they responsible for third-party use of such information. 

Furthermore, I am a victim of identity theft, and this fraudulent XXXX  may be a direct result of such activity. I have attached the following supporting documents : FTC Identity Theft Report : FTC Report Number XXXX. 
XXXX XXXX XXXX : My personal information was compromised due to a data breach by XXXX XXXX XXXX. 
Police Report : Filed regarding my stolen wallet and fraudulent financial activity ( XXXX XXXX XXXX ). 
Unauthorized Financial Activity : Checks were written without my authorization, resulting in closed accounts due to fraud. 
XXXX XXXX : A fraud alert has been placed on my credit report to prevent further unauthorized activity. 
This bankruptcy is inaccurate, unverifiable, and fraudulent. As per the Fair Credit Reporting Act ( FCRA ) 1681i, credit reporting agencies are required to investigate and remove any inaccurate or unverified information. Despite my dispute, the credit bureaus have failed to properly investigate and continue to report false and damaging information about me.

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