vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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:
The CFPB complaints has been filed to request that Equifax, XXXX and XXXX block fraudulent and inaccurate information from my consumer credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and fraud, and the following accounts and inquiries on my credit report were opened without my knowledge or consent. I am requesting that Equifax, XXXX, and XXXX block and remove the fraudulent information from my credit report within XXXX business days of receipt of this complaint, as required under federal law. The fraudulent accounts have resulted in the appearance of multiple fraudulent hard inquiries and late payment accounts on my consumer credit report. I do not recognize any of the aforementioned accounts, or inquiries. These Items were not opened, initiated, or authorized by me, and i assert that they are the direct result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
The CFPB complaints has been filed to request that XXXX, XXXX and Experian block fraudulent and inaccurate information from my consumer credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and fraud, and the following accounts and inquiries on my credit report were opened without my knowledge or consent. I am requesting that XXXX, XXXX, and Experian block and remove the fraudulent information from my credit report within XXXX business days of receipt of this complaint, as required under federal law. The fraudulent accounts have resulted in the appearance of multiple fraudulent hard inquiries and late payment accounts on my consumer credit report. I do not recognize any of the aforementioned accounts, or inquiries. These Items were not opened, initiated, or authorized by me, and i assert that they are the direct result of identity theft and fraud.

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 2025-01-19 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:
I am filling a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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.further their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss and I seek appropriate Redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Due to the recent data breach that has compromised my personal information, I firmly believe that the best course of action to resolve this situation is to remove any unauthorized items from my credit report. The presence of accounts and inquiries that I did not authorize is not only distressing but also unfair, as it negatively impacts my creditworthiness and financial stability. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumers have the right to dispute inaccuracies on their credit reports, and I am exercising that right in light of this breach.

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 2025-01-19 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: MI

Complaint narrative:
I filed over a dozen disputes over the past XXXX years and none were answered and still remain on my credit report.

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 2025-01-19 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: MI

Complaint narrative:
I filed over a dozen disputes over the past 5 years and none were answered and still remain on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: LA

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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SD

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 2025-01-19 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute :XX/XX/XXXX XX/XX/XXXX Balance {$840.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX Balance {$370.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Balance {$240.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$540.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXX Balance {$1200.00} Open Date XX/XX/XXXX XX/XX/XXXXBalance {$890.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$810.00} Open Date XX/XX/XXXX XX/XX/XXXX Balance {$790.00} Open Date XX/XX/XXXXXX/XX/XXXXBalance {$780.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$770.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$460.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$410.00} Open Date XX/XX/XXXX XXXX XX/XX/XXXX Balance {$340.00} Open Date XX/XX/XXXX Inquiries XX/XX/XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXXDate XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX XX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXXXXXX Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXX XXXXXX/XX/XXXX Date XX/XX/XXXX XXXX XX/XX/XXXXDate XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXXXX/XX/XXXX Date XX/XX/XXXX 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 2025-01-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX D.O.B : XX/XX/XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Dispute of Collections and Charge-Offs on Credit Report Dear Equifax Customer Service , I am writing to formally dispute certain entries on my credit report, specifically related to collections and charge-offs. This dispute is being submitted under the Fair Credit Reporting Act ( FCRA ), particularly referencing 15 U.S.C. 1681s-2 ( a ) and 15 U.S.C. 1666b. 

The entries in question are as follows : 1. XXXX XXXXXX/XX/XXXX ACCT : # XXXX {$0.00} 2. XXXX XXXX XXXX ACCT # XXXX {$10000.00} 3. XX/XX/XXXXACCT # XXXX {$0.00} 4.XX/XX/XXXX ACCT # XXXX {$0.00} I believe that the information reported is inaccurate because [ briefly explain the reasons for your dispute, such as the debt has been paid, settled, or is otherwise incorrect ]. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report accurate information to credit reporting agencies. If the information is found to be inaccurate or incomplete, it must be corrected or deleted.

Additionally, according to 15 U.S.C. 1666b, creditors must ensure that the information provided is truthful and reflective of the actual account status. As such, I request that Equifax conduct a thorough investigation into these entries and remove any inaccuracies from my credit report.

I kindly ask that you complete your investigation promptly and inform me of the findings. Should the investigation confirm the inaccuracies, I request that you remove the disputed collections and charge-offs from my credit report and provide written confirmation of such action.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-19 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: DE

Complaint narrative:
Equifax has failed to properly investigate my disputes regarding inaccuracies in my credit report. These failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
I am writing to formally address concerns regarding Zell '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 offender to exploit the system. leaving uses vulnerable to scams This lack of accountability and transparency is unacceptable and raises serious concerns abut consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: SC

Complaint narrative:
From XX/XX/scrub> 2024 I noticed some information being reported inaccurate causing adverse action while trying to obtain Credit. I have requested this information be corrected and send me information regarding my payment history The results would always say the information was accurate.60 Days later I filed a complaint with CFPB regarding the handling of the situation. On my Credit report i Have two Separate accounts with XXXX that are reporting different information ( Payment History, Name of company with account, Account status, these issues that i have been begging the credit bureaus to delete and remove all inaccurate information, Inaccurate payment history. The documents I have attached will show both accounts and the have inaccurate information from burau to bureau This company has proven that my rights under the FCRA means nothing. This company refuses to comply with the law by making sure the information they share is accurate. it is approaching 90 days since the I've made my initial complaint of the incorrect information being shard and every complaint was responded with more negative information More incorrect information and no desire to respect my covered rights

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 2025-01-19 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: SC

Complaint narrative:
From XX/XX/2024 I noticed some information being reported inaccurate causing adverse action while trying to obtain Credit. I have requested this information be corrected and send me information regarding my payment history The results would always say the information was accurate.60 Days later I filed a complaint with CFPB regarding the handling of the situation. On my Credit report i Have two Separate accounts with XXXX that are reporting different information ( Payment History, Name of company with account, Account status, these issues that i have been begging the credit bureaus to delete and remove all inaccurate information, Inaccurate payment history. The documents I have attached will show both accounts and the have inaccurate information from burau to bureau This company has proven that my rights under the FCRA means nothing. This company refuses to comply with the law by making sure the information they share is accurate. it is approaching 90 days since the I've made my initial complaint of the incorrect information being shard and every complaint was responded with more negative information More incorrect information and no desire to respect my covered rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
I am writing to express my highly concern with Zelle. Disputes are not handled properly. I use it everyday for my international businesses. Ive tried reporting discrepancies, Zelle refuse to put in a claim & review. They basically told me its no way for them to track payments so its nothing I could do but loose all profits via Zelle. They do not care about their loyal customers. I have reported scams numerous of times which I have been a victim of Zelle scams twice now.

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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief