vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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 tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system, leaving users vulnerable to scams, this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've been denied credit because of the decision as shown on the attached email they sent to me in there own words and they have never had a account with me and the thing is they no it I have provided my last XXXX of my social they agreed that the account they have is not mine but they still proceed to deny me the right to apply They have violated my right for reason they no is not right

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 2025-02-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There was a security breach with my credit reporting company, and my information was leaked

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OK

Complaint narrative:
Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXX XXXX XXXX Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I sold products to a client I posted for you the transaction on Chime. When I went to get my money the transaction had been canceled. It happened to me a second time on XXXX wallet. I went to download XXXX wallet, checked the funds and they were canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that XXXX XXXX was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a XXXX XXXX representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that XXXX XXXX has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by XXXXXXXX XXXX  actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXXXXXX XXXX XXXX practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: Tater Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX, a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that XXXX XXXX was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a XXXX XXXX representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that XXXX XXXX has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by XXXX Ends actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX XXXX 's practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX, a company that contacted me in XX/XX/year> about my car lease. Based on the detailed information they had about my lease, such as the end date and the specific model of my car, I initially believed that XXXX XXXX was affiliated with XXXX XXXX XXXX and was reaching out to discuss my options at the end of my lease term. 

During my conversation with a XXXX XXXX representative, I was informed that they needed to run my credit to explore my loan options, and I agreed to this request. However, I was led to believe that my credit would only be run through XXXX XXXX XXXX. At no time was I informed that my credit would be submitted to multiple lenders, nor did I explicitly authorize such inquiries. As a result, multiple hard inquiries appeared on my credit report, which I did not consent to and was never made aware would happen. 

After discovering these unauthorized hard inquiries on my credit report, I contacted XXXX XXXX XXXX and learned that XXXX XXXX has engaged in this practice with other customers in the past. The lack of transparency, as well as the failure to properly inform me about the credit inquiry process, has caused significant distress and confusion. 

To protect my credit, I have placed a fraud alert and a security freeze on my credit file. I am also in the process of disputing these unauthorized inquiries, but the process has been difficult and frustrating. 

I feel misled by XXXX Ends actions, particularly because the details they knew about my situation led me to believe they were representing XXXX XXXX XXXX. The unauthorized inquiries have negatively impacted my credit, and I am seeking your assistance in addressing this issue. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX XXXX 's practices and take appropriate action to prevent further harm to consumers. I also ask that they be held accountable for the unauthorized credit inquiries they have caused. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NC

Complaint narrative:
XXXX XX/XX/year> dispute of i correct information on report with all XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent : address fraud on their platform, leaving m, 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 2025-02-09 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 2025-02-09 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: TX

Complaint narrative:
I am formally disputing the account reported by XXXX XXXX XXXX ( Partial Account Number : XXXX ) on my credit report. This account contains inaccurate information and must be verified or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

The errors include, but are not limited to : Incorrect address information. 
Suspicious and unverified account opening date. 
I do not recognize any account with the alleged original creditor, XXXX XXXX XXXX. 
Inaccurate balance and account status. 
Unfair and harmful reporting that negatively impacts my ability to obtain fair credit. 
Under the FCRA, I request that you : Investigate this account and provide me with proof of its validity, including the original contract with my signature and full details of the debt. 
If you can not provide such validation, immediately remove the account from my credit report. 
Additionally, LVNV Funding LLC is reporting this account as a " Factoring Company Account, '' which may be a misleading categorization. If they are reporting inaccurate information or can not properly verify the debt, this constitutes a violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I expect your response within XXXX days, as required by law. If you are unable to provide proper validation, I will file a complaint with the CFPB and consider further legal action

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My personal information on my credit profile is incorrect, and therefore, the late payments from XXXX XXXX  in XX/XX/XXXX and from XXXX  XXXX XXXX in XX/XX/XXXX should not be reported by XXXX compliance standards. This is inaccurate information and violates my rights as a consumer. I have been disputing these inaccuracies since XX/XX/XXXX and they are still violating my rights almost 90 days later. 
The personal information on my report that is incorrect is my name. Since I am the second born person, ( XXXX XXXX XXXX XXXX ) and my father 's name was XXXX XXXX XXXX XXXX. There is a major margin for error in my report. The bureaus are reporting inaccurate information. 
XXXX is reporting " XXXX XXXX XXXX '', Experian is reporting " XXXX XXXX XXXX '', and Equifax is just reporting " XXXX XXXX ''. There are three different names linked to my report now, causing me difficulties while disputing the false information. I most recently submitted another dispute to Equifax on XX/XX/XXXX to continue my case, however, I may need additional help from the CFPB to ensure my rights don't continue to get violated. 
Thank you.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX SSN : XXXX XXXX : XX/XX/XXXX Experian : LLC XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Unauthorized Inquiries The purpose of my letter is to dispute the following XXXX XXXX inquiries that are wrong and unauthorized. Please remove them from my Experian credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 



# XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX XXXX- XXXX XXXX # XXXX XXXX XXXX XXXX- XX/XX/XXXX # XXXX XXXX XXXX XXXX- XXXX, XXXX, XXXX # XXXX XXXX  XXXX XX/XX/XXXX # XXXX 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 2025-02-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts have violated my privacy rights by furnishing my personal, private, sensitive information without my written permission and after I've opted out of each of their privacy requests from their websites reporting, sharing, selling, and communicating. I'm enforcing the Privacy Act of 1974 which the FCC ensures that the procedures it implements comply with the Privacy Act, 5 U.S.C. 552a. 

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  15 U.S.C. 1681c ( a ) ( 5 ) : Section states, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information : other than records of convictions and crimes which antedates the report by 7 years, which I do not have.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that there in accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681b states in depth that proof of permissible purpose of derogatory accounts named above must provide that I have given them written permission to report, share, sell, and communicate with third parties including the credit bureaus. Use of permissible purpose to delete negative accounts. Remove these accounts from my credit files within 4 business days because I did not consent to my written signature, the permissible purpose that you are unable to supply the documentation that supports me and the CFPB agency. Therefore the accounts must be deleted because they're illegally reporting on my credit files.

15 U.S.C. 287 states that anyone who knowingly presents false, fictitious, fraudulent claims that common defenses include lack of knowledge, mistakes of facts, duress, entrapment, or government misconduct to the United States can be imprisoned for up to five years in prison and a hefty fine. This la
w applies to individuals, organizations, corporations, creditors, contractors, and credit bureaus.

Under Section 605b the accounts and inquires should be removed within 4 business days.

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 2025-02-09 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: GA

Complaint narrative:
These accounts have violated my privacy rights by furnishing my personal, private, sensitive information without my written permission and after I've opted out of each of their privacy requests from their websites reporting, sharing, selling, and communicating. I'm enforcing the Privacy Act of 1974 which the FCC ensures that the procedures it implements comply with the Privacy Act, 5 U.S.C. 552a. 

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  15 U.S.C. 1681c ( a ) ( 5 ) : Section states, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information : other than records of convictions and crimes which antedates the report by 7 years, which I do not have.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that there in accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2, states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681b states in depth that proof of permissible purpose of derogatory accounts named above must provide that I have given them written permission to report, share, sell, and communicate with third parties including the credit bureaus. Use of permissible purpose to delete negative accounts. Remove these accounts from my credit files within 4 business days because I did not consent to my written signature, the permissible purpose that you are unable to supply the documentation that supports me and the CFPB agency. Therefore the accounts must be deleted because they're illegally reporting on my credit files.

15 U.S.C. 287 states that anyone who knowingly presents false, fictitious, fraudulent claims that common defenses include lack of knowledge, mistakes of facts, duress, entrapment, or government misconduct to the United States can be imprisoned for up to five years in prison and a hefty fine. This la
w applies to individuals, organizations, corporations, creditors, contractors, and credit bureaus.

Under Section 605b the accounts and inquires should be removed within 4 business days.

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