vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Refuse to tell me why I could not use their online banking XXXX. Would not let me use XXXX. Decline to provide customer service.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request a review and update of my XXXX  XXXX and XXXX XXXX  accounts on my credit report. These accounts should be active and reflect all monthly payments as up-to-date. Both accounts are critical to accurately representing my credit history and rental payment reliability. 
Details of the Accounts in Question : XXXX. XXXX  XXXX : Ensure this account is active and reflects all monthly payments as reported. 
XXXX. XXXX XXXX  : Verify that this account is active and accurately reflects all up-to-date monthly payments. 
I kindly request that you investigate these accounts and confirm their proper inclusion on my credit report. If additional documentation or verification from these companies is required, please notify me so I can assist in facilitating the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am writing to formally request a review and update of my XXXX  XXXX and XXXX XXXX  accounts on my credit report. These accounts should be active and reflect all monthly payments as up-to-date. Both accounts are critical to accurately representing my credit history and rental payment reliability. 
Details of the Accounts in Question : XXXX. XXXX  XXXX : Ensure this account is active and reflects all monthly payments as reported. 
XXXX. XXXX XXXX  : Verify that this account is active and accurately reflects all up-to-date monthly payments. 
I kindly request that you investigate these accounts and confirm their proper inclusion on my credit report. If additional documentation or verification from these companies is required, please notify me so I can assist in facilitating the process.

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 2025-01-24 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:
Writing in regards to Zelle issues with handling disputes. Had many times where dispute being a frequent user of Zelle, Ive dealt with discrepancies where my money would go to the wrong account or sent and informed it would be impossible to recover the missing funds. They neglected to protect me and multiple other consumers Im sure have been through the same. Also allowing for others to utilize and scam the system offering zero consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. My concern pertains to a disputed account listed by XXXX, which I believe has not been properly investigated per federal regulations. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised significant concerns regarding XXXX 's practices. Specifically, the CFPB has alleged in a lawsuit that XXXX failed to conduct proper investigations and engaged in sham practices that violate its obligations under the FCRA. 

According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), XXXX is required to conduct a reasonable reinvestigation of disputed items within XXXX  days. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

The specific item I am disputing is as follows : Account Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX Details : A credit card allegedly opened in XX/XX/year> with an initial credit line of {$500.00}. The account is marked as a " charge-off '' with a reported balance of {$2000.00}. 

I do not recognize this account, and I believe this information is inaccurate. Therefore, I am requesting a reinvestigation into the validity of this account and Experians compliance with the FCRA. 

Please review this matter and provide guidance on how this issue will be addressed. I am counting on the CFPB to help ensure that credit reporting agencies adhere to their legal obligations and protect consumers like myself from inaccurate or unverifiable information on credit reports. 

Thank you for your attention to this matter. Please feel free to contact me should you require further information or documentation to assist in your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and invalid reporting of the following accounts on my credit report with TransUnion and XXXX. These accounts are being reported inaccurately and unfairly, causing undue harm to my credit profile : TransUnion XXXX : Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : 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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to meet its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. The disputed accounts remain unresolved, despite the evidence I provided, leaving inaccurate or unverifiable information on my report. 

I am aware of the Consumer Financial Protection Bureau ( CFPB ) s recent lawsuit against Experian, which alleges systemic failures such as neglecting to forward consumer evidence to furnishers, relying on unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures mirror my own experience, where Experian has failed to take corrective action, resulting in harm to my credit standing. 

I am formally requesting immediate corrective action to remove or amend the disputed accounts in accordance with FCRA regulations. Experians continued inaction constitutes a violation of federal law and infringes upon my rights as a consumer. 

Please confirm receipt of this request and notify me of the corrective measures taken to resolve 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Im writing because Im absolutely fed up with the repeated mistakes on my report. These errors are dragging down my score and causing me to lose out on opportunities I deserve. Its incredibly frustrating to feel like Im being punished for someone elses mistakesor worse, for information that cant even be verified.

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 2025-01-24 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: CA

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX - XXXX - {$950.00} XXXX - XXXX XXXX {$770.00} XXXX  XXXX - XXXX - {$1300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-24 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: FL

Complaint narrative:
XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Experian Report. 



Subject : Urgent Notice for Immediate Removal of Inaccurate and Unverifiable Accounts Dear Credit Agencies, This letter serves as an urgent notice regarding your failure to properly investigate and dispute the accounts on my credit report. These items are inaccurate, unverifiable, and the result of identity theft. The continued reporting of false information not only violates my consumer rights but also invades my privacy with damaging and false data. 

Under FCRA XXXX ( b ) and FCRA XXXX ( a ) ( XXXX ) ( A ), you are required to ensure the maximum accuracy of reported information and thoroughly investigate disputes. Additionally, FCRA XXXX ( a ) ( XXXX ) mandates providing verifiable documentation to justify the reporting of any accounts. 

Case Law References : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX ) Creditors and bureaus must remove unverifiable items. 
XXXX XXXX XXXX ( XXXX XXXX XXXX ) Reiterates the requirement for accurate and verified credit reporting. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Prohibits re-reporting unverifiable accounts without notice. 
This matter can not wait XXXX or XXXX days for resolution. I demand the immediate deletion of the following accounts within XXXX ( XXXX ) days : Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$700.00} Status Collection account. {$700.00} past due as of XX/XX/XXXX. 
- Unverifiable and identity theft. Breached XXXX XXXX XXXX - Unverifiable and identity theft. Breached XXXX Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} Failure to comply with this demand will result in formal complaints filed with the CFPB and FTC and potential legal action for damages caused by these inaccuracies. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
these calls and texts violated the Telephone Consumer Protection Act, or TCPA. This federal law protects consumers from unsolicited telemarketing behaviors and requires businesses to obtain prior express written consent before sending calls and texts. Businesses which violate TCPA may be ordered to pay millions in statutory damages for each violation. They violated me on many of occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
This letter serves as my formal complaint against Cross Country Mortgage, XXXX, but more specifically against the XXXX, CT team and XXXX XXXX. The experience I had with XXXX and his team ( except for XXXX XXXX who was kind and helpful ) was by far the worst customer service experience Ive ever had in my life. I feel that I was made false promises to secure my business, lied to throughout the process and was treated in an extremely unprofessional and rude manner. 

I was told by XXXX at the beginning of this mortgage process that we could do a 30 day close, no problem. This was the reason the sellers decided to choose our offer over others, including an all cash offer, because we were able to do a quick closing. We did not close in XXXX days ( original closing date was XX/XX/year> ), the closing was delayed twice and we did not close until XX/XX/year>. During that time, I was berated on the telephone by XXXX, given advice that should not have been given and told lies and false promises repeatedly about what was happening during my mortgage process. 

I have since spoken to other mortgage lenders along with a real estate attorney and was told that the way we were treated was 100 % unprofessional and unfair. The assistance that I received from his supervisor, XXXX, was also lacking. 

I have entire transcripts of emails and text messages to verify the things I am stating, and working in customer service myself, would never inflate these statements. I hope that your company will take this very seriously and be willing to offer some insight and compensation due to what transpired. 

I also want to make you aware that XXXX animosity and the teams lack of transparency and competence was also shared by my realtor, the sellers agent and the closing company who will now NEVER recommend Cross Country Mortgage, LLC due to their own experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Dear CFPB, Ford Motor Credit has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and Ford continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and XXXX. 

Please dear Ford, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : FORD MOTOR CREDIT Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : XXXXYou report in XXXX and XXXX the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

XXXXwhy did you block or DELETE BALANCE HISTORIE? 

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account 3-In the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXXWhy do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and FORD, so that my account is XXXX XXXX percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be XXXX percent accurate or delete the entire account. 

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the charge-off on my account with XXXXCOMENITY/NY & CO. According to my records, this account was closed with a balance of {$250.00} written off as of XX/XX/XXXX. I believe this charge-off is inaccurate and request that you investigate this matter and remove the charge-off from my credit report.

Describe what happened : On XX/XX/XXXX, an account was opened with XXXXCOMENITY/NY & CO under my name . However, I never opened this account and believe it was done fraudulently. The account was closed with a balance of {$250.00} written off as of XX/XX/XXXX. I believe this charge-off is inaccurate for the following reasons : Lack of Proof of Indebtedness : The creditor has not provided proof of my indebtedness, including evidence of the original signed credit card agreement. According to the Federal Trade Commission ( FTC ), creditors must provide proof of consumer credit indebtedness.

Inaccurate Reporting : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Specifically, Section 611 of the FCRA provides me with the right to dispute the completeness or accuracy of any item in my credit report.

Texas Finance Code Chapter 392 : Debt collectors are required to ensure the accuracy of the information they report. This includes the obligation to correct any inaccuracies in the information they have reported to credit bureaus. Permissible Purposes of Consumer Reports : According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, such as in response to the written instructions of the consumer to whom it relates. Failure to Provide Form 1099-C : I never received a Form 1099-C for the cancellation of this debt. According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. The absence of this form raises questions about the validity of the charge-off. Actions taken : I have reviewed my credit report and identified the inaccurate charge-off. I am submitting this dispute to request an investigation and removal of the charge-off from my credit report. I am requesting that you provide me with all relevant documentation and evidence that supports the charge-off status of this account. If you are unable to provide such documentation, I respectfully request that you remove the charge-off from my credit report and update the status of this account accordingly. Thank you for your cooperation.

Company response to consumer: Closed with explanation