vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly 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 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding " ( File No. XXXX ) 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. 
I have provided the name of the accounts are listed below - XXXX XXXX XXXX XXXXor the amount of {$750.00} - XXXX XXXX XXXX for the amount of {$900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Mercedes Benz Financial Services
State: CA

Complaint narrative:
**Formal Dispute of Inaccurate Credit Reporting under the FCRA** **To Whom It May Concern, ** I am formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This law requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about XXXX failure to properly investigate consumer disputes. 

In a lawsuit filed against XXXX, the CFPB alleges that the company engaged in inadequate investigations, violating consumer protection laws and failing to meet its obligations under the FCRA. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to comply with these provisions constitutes a violation of federal law. 

I formally request that XXXX : XXXX. XXXX a thorough reinvestigation of the following disputed accounts or items : Such as XXXX, any other bill on my account XXXX. Provide all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as required by law. 

Given the CFPBs recent findings, I expect XXXX to address this dispute with the highest level of diligence and in full compliance with legal requirements. 

I have enclosed a copy of my identification and relevant supporting documents to assist in your investigation. Please provide a written response confirming the results of your reinvestigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: FL

Complaint narrative:
Re : Cease and Desist Communication Request Dear Credit Control I am writing to formally request that you cease all communication with me regarding the alleged debt XXXX XXXXXXXX XXXX account # XXXX Specifically, I request that you stop contacting me via text messages and email. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me. Please consider this letter as my formal notification to cease all communication. 

If you need to communicate with me further, please do so in writing at the address listed above. Do not contact me by phone, text message, email, or any other means. 

Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general 's office, and/or other appropriate agencies. I also reserve the right to take legal action under the FDCPA if necessary. 

Please acknowledge receipt of this letter and confirm in writing that you will comply with my request. 

Thank you for your immediate attention to this matter. 

Sincerely,

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 2025-01-29 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:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, XXXX, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-01-29 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigale 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. 1681i, 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. XXXX ) 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2025-01-29 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: WA

Complaint narrative:
I have found fraudulent account on my report XXXX XXXXXXXX XXXX with the account number XXXX opened on XX/XX/year>. Delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle transaction was faulty sent and was not returned with no caption stating is this the correct contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: AZ

Complaint narrative:
When I requested verification that I an account with XXXXXXXX XXXX as XXXX was trying to collect but was not able to provide a signed agreement that I had with XXXX. I have received something from Credit Control , LLC. I have never had a legal binding agreement with XXXX, XXXX or Credit Control

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
As shown on my credit report, names and spelling of names in not correct. Phone numbers listed, and addresses are also not correct. I would like false information removed as well as the social security listed on my credit file. Last four being XXXX. that is not my social security number. other false information listed below. 
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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was stopped by someone selling water at a busy intersection in XXXX GA, I told them I didnt have cash and so they suggested XXXX XXXX I opened my banking app to send money when my phone was snatched out of my hand and more people came to surround my car. I demanded my phone back without success. After XXXX to XXXX minutes they got close to my car window again with my phone so I was able to grab it back and take off in my car. I looked down at my account and saw they drained my account for {$3000.00}. I immediately called my bank Wells Fargo, and attempted to dispute but was told the money wasnt already gone. I filed a claim with the fraud department and after several days was told my claim was being denied. They claimed this was an authorized transaction that I was a willing participant in. I have filed a police report with XXXX XXXX and found news articles of other people after my report who were robbed in the same way at the same intersection days later. All of this I submitted to the claim/investigation with my bank and was told they have not seen evidence of fraud. I would like my money back but it seems they are uninterested in protecting a loyal customer from scammers.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I disputed a name that was not me on my account and they did not fix it. 

I disputed some accounts attached to my name and it wasnt handled properly

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX , 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 2025-01-29 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: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling 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 2025-01-29 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: MD

Complaint narrative:
Address that arent me are showing up as well as inquiring that shouldnt be there.

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 2025-01-29 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: MD

Complaint narrative:
Address that arent me are showing up as well as inquiring that shouldnt be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: OH

Complaint narrative:
This is to dispute the debt XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Under the law of 15usc1692cc Clearly states- if a consumer notifies the debt collector that the consumer refuses to pay, the debt collector must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Debt Final Rule 1022.142 ( b ) ( 4 ) -5 -- 1022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with non-monetary relief