vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours claiming that the account is accurate, without providing any evidence of a thorough or reasonable investigation. This conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), which requires a reasonable reinvestigation of disputed information. Additionally, Equifax 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) addressing similar noncompliance issues. 

I respectfully request that the CFPB take appropriate action to ensure Equifax complies with federal law and provides consumers with adequate evidence of their investigation process. The account in question is as follows : Account Name : 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 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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15, USC, 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial work. Well, being.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15, USC, 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial work. Well, being.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed, and several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15, USC, 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts, and urgently request their immediate removal to prevent any further harm to my financial work. Well, being.

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: Block, Inc.
State: AL

Complaint narrative:
I am filing 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. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
Zelle has defrauded me out of money, there was a ton of fraud and I have not recieved my money back or answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by XXXXXXXX XXXX and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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, XXXX '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 Under the Fair Credit Reporting Act ( FCRA ), Section 16810 of Title 15 of the U.S. Code outlines the procedures and penalties related to willful noncompliance by credit reporting agencies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these discrepancies and provide a resolution within the required 30-day period. Please also provide me with a copy of any documents or evidence used to validate the information, if applicable.

Please note that under Section 16810 of the FCRA, failure to correct or delete inaccurate information after your investigation could result in penalties for willful noncompliance.

I request that the disputed information be corrected or removed from my credit report at your earliest convenience.

Kindly notify me of your findings in writing and provide an updated copy of my credit report upon completion of your investigation. 
Thank you for your prompt attention to 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear [ Synchrony Representative ], Thank you for your response regarding my concerns raised through the CFPB. I appreciate the detailed explanation of the settlement terms and the reporting of my account. However, I would like to clarify a few points and request further action : Lack of Alternative Settlement Options : At no point was I informed of or given the opportunity to agree to a settlement that would result in the removal of this account from my credit report. This lack of disclosure limited my ability to make an informed decision, which raises concerns under the principles of transparency and fair treatment outlined by the Consumer Financial Protection Bureau ( CFPB ).

Request for Documentation : In accordance with the Fair Credit Reporting Act ( FCRA ) ( 609, 15 U.S.C. 1681g ), I kindly request documentation or proof that shows I was offered multiple settlement options, including those that could have resulted in the removal of the account from my credit report. If no such options were presented, this omission could potentially disadvantage me as a consumer, as I was not provided with the full range of settlement opportunities.

Accurate and Fair Reporting : While I understand Synchronys position on accurate reporting, I would like to highlight that under the FCRA ( 611, 15 U.S.C. 1681i ), consumers have the right to dispute and request corrections to credit information they believe is incomplete or unfair. The lack of transparency in offering alternative settlement options affects the fairness of the reporting process in this case. 

XXXX XXXX Request : As the account has been settled, and I have shown my commitment to resolving this debt, I respectfully request Synchrony to reconsider removing this account from my credit report as a goodwill adjustment. Doing so would not only resolve my concerns but also demonstrate XXXX dedication to consumer satisfaction and fair practices. 

I hope you can address my concerns promptly and provide a resolution that supports both parties. Thank you for your attention to this 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 2025-01-24 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: FL

Complaint narrative:
equifax 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 Equifax, 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 Equifax 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 Equifax ' XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited an {$81000.00} veteran XXXX backpay check into my account that came from the XXXX XXXX XXXX XXXX on XXXX. They put a XXXX plus day hold on it. Then, 6 days later, proceeded to freeze my account or put XXXX on my account for the reasons of the check being fraudulent, and now I can no longer access any money buy gas, food, or anything for UP to 7 days? So now I can't access any money. I can't do anything until they release this Hold on my account. It's unacceptable. The check is a government check It should not take this long to clear. There's was nothing wrong with my account i had money in it, and now I can't access it.

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: Block, Inc.
State: MS

Complaint narrative:
They have failed in keeping my information safe. XXXX XXXX O received a letter in the mail stating that my information and identity is not safe and to place a fraud alert on my credit report accounts I will submit said evidence of Alert. And I m currently having trouble with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is an appeal to the results of our original complaint. I was told to submit it here. 

I have a case with XXXX XXXX XXXX XXXX as well, this is a Elder Abuse case whereas the defendant transferred via XXXX, XXXX from my trust account to her Wells Fargo, XXXX XXXX XXXX XXXXXXXX accounts. This went to court as she was prosecuted and charged for all crimes involved. Wells Fargo in my first go around submitted a check to me for {$7100.00} and stated that per the " Reg E-Electronic Transfer '' that was all we could get out of the total amount of {$42000.00}, which this amount was determined by the Forensic Accountant. The actual total that was taken via XXXX, XXXX, ATM withdrawals and checks she forged total {$150000.00}. You should have all documents from the XXXX. Than I filed a XXXX complaint/appeal and than Wells Fargo submitted another check to me for {$8300.00} again stating the same excuse about the above regulation saying customers are required to report unauthorized electronic fund transfers within 60 days of the bank 's transmittal of the statement to avoid liability. I have not cashed these checks as I feel this was a court case and I was told by their fraud department back in XXXX of XXXX  that in order to get my money back I had to prosecute in a court of law. I did that as with Covid and time it took XXXX years. They state they can't verify the phone call, which obviously old, but you can't just use this excuse. I contacted the FDIC as well and explained the entire situation and they stated to me that I did exactly what I was supposed to do and I should get all of my money back. I'm tired of playing games with Wells Fargo as this isn't right. Also, the fact that the Consumer Financial Protection is filing a Federal lawsuit again Wells Fargo, XXXX and XXXX XXXX for exactly what happened to me!!! I want at least the balance of the XXXX, XXXX transfers back. The remaining balance is {$26000.00}, which will make the total paid back {$42000.00} according to the XXXX XXXX findings of the transfers. I will continue to move forward and fight for my money for my deceased friends, who never deserved to be threatened, physically abused at all, he was scared to death to go against her, which is why the only thing he kept changing was his ATM card. You can see that she would transfer XXXX and run to the ATM and pull out the money. Also, you can see that she XXXX transferred sometimes XXXX or XXXX  times in a day and Wells Fargo 's " XXXX Department '' did absolutely nothing, so they claim on their phone line and website that they take pride in protecting their customers.. I say XXXX on that because if they did, they would've called him and he could've went to the branch per their request to change his account. I want the money back.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I applied for a mortgage on XX/XX/XXXX which was denied because I chose conventional mortgage and was advised it should be a refinance because I am paying of a HELOC the previous owner ( now deceased ) had taken out. They said they just automatically declined it because the home value was higher than my intended down payment. 

I applied again XX/XX/XXXX and was denied because the loan XXXX XXXX XXXX XXXX, XXXX # XXXX pulled the wrong deed. I was never contacted about it, I just received a denial letter. When I explained that she had pulled an old deed, she said just to apply again. 

I applied XX/XX/XXXX and received an email that the amount i applied for was too high. But then later contacted and said that they accidentally entered the wrong tax information and could approve me but at a lesser amount ( XX/XX/XXXX ). I asked on XX/XX/XXXX to see the breakdown for the loan with rates and fees. I never got a response on that but on XX/XX/XXXX I got another denial letter. 

This is very frustrating and I am not sure what is happening with it. I just thought someone should know. There should be more contact/due diligence with a person who is trying to get a {$280000.00} loan on a {$1.00} XXXX + home with very good credit. 

I just opened my checking and savings accounts there and am in the process of moving my funds, but I am having second thoughts at this point. 

I went ahead and applied elsewhere and got the same rate and approval for the full amount. The process is flawed at State Employee Credit Union.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want reported accounts to be removed. 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 XXXX 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, XXXX '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 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