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: OH

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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have been fighting to have this off from my credit report, I had done disputes in my credit report and then I had won, they had stated XXXX is being deleted from your credit report and then it also States how they can not reappear onto your credit report again, yet they have. It was a few months after it was deleted it reappeared a few months later. I have then tried to figure out where to go And report because I have the email from The investigation from the credit reporting with all This information about it being deleted and not being put back on. Its illegal. And Im going to everywhere everywhere to make sure they are doing what they are supposed to and deleting it off my credit. Its even more than 7 years too!

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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX unverified / invalidated Account doesnt belong to me have no knowledge. 
XXXXXXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX  UNVERIFIED/ UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account XXXX XXXX to me have XXXX XXXX XXXX  Original creditors : XXXX XXXX XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX unverified / invalidated Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge. 
XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/ UNVALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX XXXXXXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have XXXX XXXX XXXX Original creditors : XXXX XXXX XXXX XXXX XXXX XXXX UNVERIFIED/UNCALIDATED Account doesnt belong to me have no knowledge

Company response to consumer: Closed with non-monetary relief
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: 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 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: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX. ) 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: 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: MO

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. The practice violates the fair credit reporting act ( FCRA ), 15 USC 1681i

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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: EQUIFAX, INC.
State: LA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
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 Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

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 this 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 2025-01-20 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:
im filling a complaint against Cash App ( BLOCK INC ) due to inadequate customer service and unfair practices, which violate the consumer financial proctection act ( cfpa ). Specifically, CASH APP failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Eletronic 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: Block, Inc.
State: OK

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 XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX was the executive from Wells Fargo who requested top secret information from me and blackmailed me if I did not give it to her to she would deny all my fraud claims and I would lose all my money and thats exactly what she did to me. I lost all my funds there stolen from me while I was out of the country XXXX XXXX  for my country under a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was above XXXX pay grade and mine. Now XXXX has stolen from me over XXXX worth of dollars by denying real fraud claims. I did not spend the money yet I still have to lose my hard earned money .Wells Fargo can not produce video footage, or statements or anything to show I made these purchases because I didnt make them. Wells Fargo stole over XXXX from 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 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has a promotion for opening a checking and savings account where one will receive XXXX and XXXX respectively if certain criteria is met. 
If both are done then an additional XXXX is received, totalling XXXX dollars. 

I received the XXXX for meeting the checking criteria, however, for savings they stated I did not deposit new monies of XXXX. 
I did transfer XXXX from another bank the day I opened the account but they mentioned transfers do not count as a deposit and this is not stated at all in the fine print.

Fine print : To receive the savings bonus : 1 ) Open a new Chase SavingsSM account, which is subject to approval ; 2 ) Deposit a total of {$15000.00} or more in new money into the new savings account within 30 days of coupon enrollment ; AND 3 ) Maintain at least a {$15000.00} balance for 90 days from the coupon enrollment. The new money can not be funds h
eld by you at Chase or its affiliates.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After several disputes with Equifax about inaccurate information on my credit report, including items being reported without proper authorization, I requested proof of investigation and the steps Equifax followed during their correspondence with furnishers. Equifax responded by stating that the document was illegible. This response is deceptive. I have attached Equifax 's response as proof of their willful noncompliance, negligence, and delay tactics, which continue to damage my financial stability and harm my family.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Incorrect Information from all three Credit Reports Dear Credit Bureau Representatives, I am writing to formally request the removal of certain incorrect information from my credit reports with all three major credit bureaus : Equifax, XXXX, and XXXX. I have reviewed my reports and identified several inaccuracies, which I believe are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act.

**Specific Requests : ** 1. **Closed Charges and Charge-Offs : ** I request the removal of all closed charges and the following charge-offs from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been settled and should no longer be reflected in a negative manner on my reports.

2. **Incorrect Addresses : ** Please remove all non-mailable addresses currently listed under my profile. The correct and only address that should appear is XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX. **Phone Number : ** The only phone number that should be associated with my reports is XXXX. Please remove any other numbers that are currently listed. 

**Legal Basis : ** Under the Fair Credit Reporting Act ( 15 U.S.C . 1681 ), I have the right to dispute inaccurate information and to request its removal. Specifically : - **Section 611 ( 15 U.S.C. 1681i ) : ** This section outlines the procedures for disputing inaccuracies and mandates that credit bureaus must investigate and correct any errors.

- **Section 623 ( 15 U.S.C. 1681s-2 ) : ** This section addresses the responsibilities of information furnishers to report accurate information.

Additionally, under the Privacy Act ( 5 U.S.C. 552a ), I have the right to request information about how my personal data is maintained and to ensure its accuracy.

**Attachments : ** I have all my information in above complaint except my XXXX # XXXX I expect a written response to this request within 30 days, as stipulated by the FCRA. Please send all correspondence to the address listed above or contact me at the phone number provided. 

Thank you for your prompt attention to this matter. I look forward to seeing these corrections reflected in my credit reports. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief