vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-14 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Subject : Credit Report Dispute FERPA Violation by Government Student Loan Servicer I am writing to formally dispute an inaccurate item on my credit report regarding my student loans. I have identified incorrect information related to my student loans that must be investigated and corrected immediately. Specifically, the government student loan servicer has violated my rights under the Family Educational Rights and Privacy Act ( FERPA ) by improperly disclosing or mishandling my educational records. Furthermore, during the Trump Administration, non-government employees were hired to review personal information, which further violated FERPA protections.

Disputed Account Information : Creditor Name : AidVantage Reason for Dispute : FERPA violation due to unauthorized disclosure or mishandling of my student loan information by the government loan servicer, including the involvement of non-government employees who were inappropriately granted access to sensitive educational records.

Under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation into this matter and immediate corrective action, including the removal or correction of any inaccurate information resulting from this FERPA violation.

Please provide a written response to my dispute within 30 days, as required by law, detailing the outcome of your investigation. If the disputed information is updated or deleted, I request that you send a corrected copy of my credit report.

If you require any additional information to process my dispute, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting identity theft to the consumer financial protection bureau. There are two fraudulent inquiries on my Transunion Credit report that do not belong to me. 

Fraudulent Inquiry on Transunion : XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX These two inquiries are fraudulent and do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CT

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
The unverified accounts listed below continue to appear on my credit report despite multiple written requests, which is a blatant violation of federal law. I previously sent a letter to the three credit bureaus yet I have received no responsean unacceptable failure to comply with the Fair Credit Reporting Act.

Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, you are legally required to verify these accounts with proper documentation. If you can not provide legitimate proof of validation, they must be update immediately. Your continued negligence leaves me no choice but to escalate this matter through legal action.

This is your final opportunity to comply with the law and resolve this issue without further delay. I expect a prompt responsefailure to act will result in formal complaints and legal proceedings. 
XXXX XXXX XXXX Balance : {$2800.00} XX/XX/XXXXXXXX XXXX Balance : {$7500.00}XX/XX/XXXXXXXX XXXX Balance : {$220.00}

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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
A charge of XXXX was posted to my Chase Freedom account. I purchased an item from a vender and the item arrived damaged. I called the vender and received authorization to return it. I returned the item via XXXX. The vender acknowledged receipt and said he would refund the money I paid plus {$50.00} for return shipping. He is now refusing to refund my money. Chase is refusing to process my complaint by disconnecting me when explaining the problem 4 times in a row now. This happened on the evening of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
According to my credit report, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Security, Phone number, and email address. This has been a challenge for me since XXXX. The following are data breaches my personal information has been leaked to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Accounts listed in this report, are unauthorized. My rights are being violated. 
Unauthorized account reporting to my credit file : XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
According to my credit report, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Security, Phone number, and email address. This has been a challenge for me since XXXX. The following are data breaches my personal information has been leaked to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Accounts listed in this report, are unauthorized. My rights are being violated. 
Unauthorized account reporting to my credit file : XXXXXXXX XXXX XXXX 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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to their inadequate customer service, unfair practices, and failure to comply with federal consumer protection laws, including the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Failure to Address Fraud and Protect My Account CashApp failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Despite their responsibility to implement adequate fraud prevention and consumer protection measures, my account was left vulnerable and unprotected, resulting in unauthorized transactions that caused significant financial loss and inconvenience.

Unfair and Deceptive Dispute Resolution Process When I attempted to dispute fraudulent transactions, CashApps dispute resolution process was unfair and deceptive. The company failed to comply with the error resolution procedures required under EFTA and Regulation E, which mandate that financial institutions investigate and resolve disputes promptly and fairly. Instead, CashApp : Provided delayed, insufficient, or misleading responses to my inquiries. 
Did not conduct a thorough investigation or provide a reasonable explanation for their decision.

Denied my dispute without proper justification, failing to adhere to consumer protection laws.

These actions demonstrate a lack of due diligence and disregard for regulatory obligations, leaving me without a proper avenue for recovering my lost funds.

Violation of Consumer Protection Laws and Demand for Redress CashApps practices constitute unfair, deceptive, and abusive acts under the Consumer Financial Protection Act ( CFPA ). The companys failure to protect consumers from fraud, refusal to adhere to error resolution standards, and inadequate customer support have caused substantial inconvenience and financial harm.

I seek appropriate redress for the violations committed by CashApp, including a full refund of the disputed transactions, a thorough review of their dispute resolution policies, and corrective actions to ensure compliance with CFPA, EFTA, and Regulation E. I urge the CFPB to investigate these systemic issues and take necessary enforcement actions against CashApp ( Block , Inc. ) to prevent further harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, 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 Experians 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 2025-02-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-14 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:
In total there are 4 accounts on my credit report i don't recognize. A " XX/XX/XXXXXXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$520.00} balance. Another " XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$1500.00} balance. A " XXXX XXXX XXXX XX/XX/XXXX '' opened on XX/XX/XXXX and a {$510.00} balance. A " XXXX XXXX '' opened on XX/XX/XXXX with a {$0.00} balance.

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX opened an account in my name they didn't verify if I was the person nor did they ask for identification, my name etc was spelled incorrectly and I wasn't ever associated with the address, my cousin called paid account in full amd they said they sent for the bureaus to update report also be removed but yet they are still reporting and not updated by transunion accurately

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 2025-02-14 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: GA

Complaint narrative:
Failure to Investigate Dispute Violation of FCRA To Whom It May Concern, I am filing this complaint against Equifax, Experian, and TransUnion for failing to properly investigate and respond to my credit report dispute, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 


Within the last 6 months, I have submitted multiple disputes regarding inaccurate information on my credit report ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Specifically, late payments on XXXX XXXXXXXX XXXX XXXX XXXX closed, charge-off, and collection accounts : XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

Under the FCRA, the credit bureau is required to complete its investigation within 30 days ( or 45 days if additional information was provided ) and notify me of the results. However, the credit bureau failed to conduct a proper investigation and verified inaccurate information and disputed information remains unchanged without proper justification. CFPB has recently filed a lawsuit against the credit bureaus for failing to investigate consumer disputes properly, remove errors, and prevent inaccurate information from being reinserted into credit reports. 


I request that the CFPB investigate this matter and require Equifax/Experian/TransUnion to take immediate action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights. Please require the bureaus to ensure compliance with FCRA dispute resolution requirements going forward.

Failure to address this issue may result in further action, including legal remedies. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: GA

Complaint narrative:
Failure to Investigate Dispute Violation of FCRA To Whom It May Concern, I am filing this complaint against Equifax, Experian, and TransUnion for failing to properly investigate and respond to my credit report dispute, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 


Within the last 6 months, I have submitted multiple disputes regarding inaccurate information on my credit report ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Specifically, late payments on XXXX XXXXXXXX XXXX XXXX XXXX closed, charge-off, and collection accounts : XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX, XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

Under the FCRA, the credit bureau is required to complete its investigation within 30 days ( or 45 days if additional information was provided ) and notify me of the results. However, the credit bureau failed to conduct a proper investigation and verified inaccurate information and disputed information remains unchanged without proper justification. CFPB has recently filed a lawsuit against the credit bureaus for failing to investigate consumer disputes properly, remove errors, and prevent inaccurate information from being reinserted into credit reports. 


I request that the CFPB investigate this matter and require Equifax/Experian/TransUnion to take immediate action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights. Please require the bureaus to ensure compliance with FCRA dispute resolution requirements going forward.

Failure to address this issue may result in further action, including legal remedies. I appreciate your prompt 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 2025-02-14 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 filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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