vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 ( CDPB ) has recently filled 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 experiences align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit. 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 2025-01-20 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: ID

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 removeddisputed 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 2025-01-20 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I was denied my dispute under some shady conditions they violated many of the efta rules and regulations... They were to do an investigation and respond to me in 10 days and they took over a month to send me the email as to why they still denied my dispute... They show no regards to the efta rules and regulations .... This all took place on XX/XX/year> n it was a fraudulant withdrawl of {$790.00} to a card I never had seen before... I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>

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 2025-01-20 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: CA

Complaint narrative:
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX ), 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate item 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 this item, as it is incorrect and does not reflect my true credit history.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
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 2025-01-20 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit that highlighted significant issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, my financial institution and Zelle have 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. 
Zelle, a popular payment platform, has been the subject of a lawsuit that sheds light on several critical issues. Despite my frequent use of Zelle and reporting discrepancies, my financial institution and XXXX management failed to investigate my claims thoroughly. They dismissed my claims, stating that recovering lost funds was impossible and tracking these transactions was unfeasible. The Consumer Financial Protection Bureaus findings further corroborate these claims, revealing that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users susceptible 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 2025-01-20 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: OH

Complaint narrative:
I am writing to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this dispute because several fraudulent accounts and inaccurate information are being reported on my credit report. These accounts do not belong to me and are the result of identity theft. Despite repeated disputes with XXXX, XXXX, and TransUnion, no meaningful investigation has been conducted, and the accounts remain on my report. 

The accounts I am disputing include : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a balance of {$1300.00} as of XX/XX/XXXX and a history of late payments, but it is not mine. 
XXXX XXXX XXXX XXXX ( Account # XXXX ) This account shows a balance of {$830.00} as of XX/XX/XXXX. It was closed at the credit grantors request, but I have no connection to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Multiple accounts from Credit XXXX Bank XXXX being reported inaccurately. 
XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) This account shows a charge-off of {$5100.00} as of XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX XXXX XXXX Collection Account ( Account # XXXX ) This account reports a balance of {$2200.00} as of XX/XX/XXXX, tied to XXXX XXXX XXXX. I have no knowledge of this account or its origin. 
XXXX. XXXX XXXX Collection Account ( Account # XXXX ) This account reflects a balance of {$1000.00} as of XX/XX/XXXX, which is fraudulent. 

I have disputed these accounts with all three credit bureaus multiple times, but their investigations were incomplete or nonexistent. Each time, the disputes were closed without a proper resolution, and the accounts remain, damaging my credit profile. 

Fair Resolution : 1. Immediate Removal : All the above accounts should be removed from my credit report across all credit bureaus.

2. Correction of Credit Score : The removal of these accounts should positively reflect on my credit score, restoring it to an accurate state.

3. Written Confirmation : I request written confirmation from each credit bureau once these accounts are removed.

4. Thorough Investigation : I urge the CFPB to oversee a proper investigation to ensure no other fraudulent accounts are associated with my identity. 

I have attached supporting documentation, including details of previous disputes and evidence of identity theft, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I trust that the CFPB will ensure a fair and thorough resolution. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this dispute because several fraudulent accounts and inaccurate information are being reported on my credit report. These accounts do not belong to me and are the result of identity theft. Despite repeated disputes with XXXX, Equifax, and XXXX, no meaningful investigation has been conducted, and the accounts remain on my report. 

The accounts I am disputing include : XXXX. XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) This account reflects a balance of {$1300.00} as of XX/XX/XXXX and a history of late payments, but it is not mine. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX ) This account shows a balance of {$830.00} as of XX/XX/XXXX. It was closed at the credit grantors request, but I have no connection to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) Multiple accounts from Credit XXXX XXXX  are being reported inaccurately. 
XXXX. XXXX XXXX Credit Card ( Account # XXXX ) This account shows a charge-off of {$5100.00} as of XX/XX/XXXX. I did not open or authorize this account. 
XXXX. XXXX XXXX XXXX Collection Account ( Account # XXXX ) This account reports a balance of {$2200.00} as of XX/XX/XXXX, tied to XXXX XXXX XXXX. I have no knowledge of this account or its origin. 
XXXX. XXXX XXXX Collection Account ( Account # XXXX ) This account reflects a balance of {$1000.00} as of XX/XX/XXXX, which is fraudulent. 

I have disputed these accounts with all three credit bureaus multiple times, but their investigations were incomplete or nonexistent. Each time, the disputes were closed without a proper resolution, and the accounts remain, damaging my credit profile. 

Fair Resolution : 1. Immediate Removal : All the above accounts should be removed from my credit report across all credit bureaus.

2. Correction of Credit Score : The removal of these accounts should positively reflect on my credit score, restoring it to an accurate state.

3. Written Confirmation : I request written confirmation from each credit bureau once these accounts are removed. 
4. Thorough Investigation : I urge the CFPB to oversee a proper investigation to ensure no other fraudulent accounts are associated with my identity. 

I have attached supporting documentation, including details of previous disputes and evidence of identity theft, to assist in resolving this matter. 

Thank you for your prompt attention to this issue. I trust that the CFPB will ensure a fair and thorough resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-20 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/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 2025-01-20 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: CA

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/XXXXXX/XX/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 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request that you tender me {$1000.00} before I take this matter to civil court for violating my writes as a consumer .Your recent actions and communications have caused me significant distress, particularly in light of my recent XX/XX/XXXXXXXX. The stress I have experienced due to your handling of my account has had a detrimental effect on my health, and I believe this constitutes a violation of my rights as a consumer I am demanding that you tender a payment of {$1000.00} to compensate for the undue stress and hardship that your actions have inflicted upon me. Please be advised that if this matter is not resolved promptly, I will consider taking further actions to protect my rights and health. 
Additionally, I want to put you on notice that if anything further occurs that exacerbates my stress or health condition due to your actions, I will hold Resurgent Capital Services liable for any consequences that arise I expect a prompt response to this letter and an acknowledgment of my demands. I send you two copies of your letters the you send me with dates as evidence of your violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Ive tried getting refunds off my cash app and they never talked to me back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief