vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: OneMain Finance Corporation
State: MO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b ( c ), credit inquiries must only be made with my written consent, and I have not authorized the above-mentioned entity to pull my credit report. As a result, this hard inquiry is in violation of my consumer rights under consumer protection laws. 

Please consider this letter as my formal dispute and request the following actions : One Main Financial XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX removal of the unauthorized hard inquiry from my credit report. 
Investigation into how the inquiry was made without my consent. 
Confirmation in writing that the inquiry has been removed and that my credit report has been updated accordingly. 
Please note that if this issue is not resolved within 30 days, I will not hesitate to escalate this dispute to the relevant authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as unauthorized inquiries are a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I asked for forward flow agreeement, chain of assignment, purchase agreement, insurance claim of debt and my signature agreeing to pay numerous times. Ive disputed with XXXX and XXXX, the debt keeps coming back valid even though there are multiple in accuracies with multiple accounts with LVNV FUNDING LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Account reporting Inaccurate information, please read the attached letter along with the additional file for proof of claim.

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 2025-01-26 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: CA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I can't provide the dates I would have to send a copy of my credit reports to you in order for me to provide you with all this information all I ask is all this negative information be removed XXXX  my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
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 USC 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the information is inaccurate.

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 2025-01-26 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: OH

Complaint narrative:
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 USC 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: PA

Complaint narrative:
Experian has failed to fulfil 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 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 out going harm to my credit standings. 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. 

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 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 2025-01-26 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: TX

Complaint narrative:
The account was incorrectly added to my report. I disputed it with XXXX several times to get it removed from my account. I asked for verification of the account which they did not provide on at least three occasions

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 2025-01-26 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Equifax Consumer name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX  XXXX opened on XXXXXXXX XXXX XXXXXXXX {$31000.00}, XXXX XXXX {$1500.00} XXXX XXXXXXXX OPENED XXXXXXXX  The accounts have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accountas reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigation '' and other unlawful practices. These practices, as outlined by the CFPB include : Conducting inadequate investigations that fail to address disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetrate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-01-26 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: PA

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 cfpds findings indicate that zelle has not only neglected to protect consumers but has also 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year>XXXX  at approximately XXXX, I received four emails total, two from Capital One and two from XXXX XXXX. Although I am a Capital One customer, I noticed these emails were sent to another email that is not associated with my Capital One profile. I immediately opened these emails and the Capital One email mentioned my email was updated to the account, that the XXXX XXXX this person applied for was approved, and that the card will arrived in 7-10 business days. I tried to access the documents to try and see any information but it kept telling me the information was incorrect. The XXXX XXXX emails were about the inquiries and hard credit check. 

At XXXX, I called Capital One. I spoke to multiple people but eventually ended up at the fraud department. I was told there was nothing they could do nor could they give me any information because they could not access the account. They informed me to report it to the credit bureaus, put a fraud alert out there, and also to report the identity theft, after that call ended I did just that. 

On XX/XX/XXXX, I called Capital One again. They still could not help me. I was extremely frustrated because I do not understand why someone can get approved for a credit card using someone else 's information. Companies that handle extremely sensitive information and use this sensitive information to approve or deny credit cards like Capital One, should have the person applying for their products prove and provide evidence of identity BEFORE getting approved for a credit card. 

My social security number is compromised and I am terrified of what is to come I am not sure how they obtained it nor do I know if it's one person or multiple people that have it and I am sure I will never know, which is scary. I am XXXX XXXX years old and I have been trying to build my credit and flourish financially for not only myself but my family and our future as well. 

As of XX/XX/year>, I have done all that you can do in two days to report and dispute this unauthorized occurrence with Capital One, credit bureaus, and local police department. My local police department recommended me to investigate further before making a report because right now there's not any information to go off of. I believe that any company should be able to access any information especially when it was a fraudulent application and approval. My financial and successful future that I've worked very hard to build so far could be in jeopardy due to my name and social security number being unknowingly compromised and approved for things I did not authorize. All because companies like Capital One seem to care more about getting more things approved for their benefit than protecting the real people these fraudsters are pretending to be. 

I feel violated, helpless, and extremely scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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:
EQUIFAX CONTINUES TO REPORT UNVERIFIABLE INFORMATION ON MY REPORT AND IT IS CAUSING FINANCIAL HARM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX in a partnership with Chase XXXX XXXX offered me a XXXX XXXX XXXX. 
A {$500.00} fee for the Credit Card and purchases of {$5000.00} in the first 3 months of opening the card includes XXXX XXXX privileges at airports and XXXX XXXXXXXX XXXX XXXX 
I accepted the offer and qualified the XXXX XXXX XXXX XX/XX/XXXX. 
Unfortunately, the {$500.00} XXXX XXXX purchase is not considered a purchase toward the {$5000.00} minimum for bonus skymiles. I therefore did not receive the bonus skymiles. 
I spoke with Chase on XX/XX/XXXX. They informed that my offer ended XX/XX/XXXX. There was no recourse according to Chase. 
I asked about canceling the credit card. Then finished the call with the call center representative in the XXXX. 
I then called Chase XXXX cards again XXXX minutes later on the same morning ( XX/XX/XXXX ). The call center escalated my call to a Chase representative in the United States. I was informed that the Chase/XXXX XXXX XXXX  account XXXX been closed. 
After insisting that I did not want the account closed, the representative also stated that, the XXXX XXXX were no longer available. 
I have purchased the XXXX XXXX annual Membership for {$500.00}. There is no wording in the Credit card XXXX or XXXX XXXX membership that requires an active Chase XXXX credit card. 
Not only was the credit card closed, when that was not requested, but the XXXX XXXX is void without an active ChaseXXXX XXXX XXXX 
If ChaseXXXX XXXX XXXX Credit Card XXXX XXXX XXXX entry should be honored since it was purchased for {$500.00}. 
Chase Credit cards will neither reinstate the Credit Card with XXXX  entrance privileges nor reimburse for the club membership if the card is closed and XXXX entrance privileges are void. 
Please reach out to Chase ( XXXX/chase.com/united ) On behalf of myself and other consumers to remedy unjust practices. 

Appreciatively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I filed an dispute with the Collections Agency XXXX XXXX XXXX. Upon later reviewing my credit profile with the different credit bureaus, first I noticed that the XXXX Account only reflects the account being as closed on my XXXX report, but my Experian and XXXX report does not reflect that this account was closed by 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
The company of XXXX XXXX continues to excessively contact me via phone calls, emails and text message. They communicate with me daily to collect a XXXX $ debt that I simply can not pay right now due to multiple factors. They reach out to me excessively, daily. I looked on their websites for ways I could resolve it but the only option is to pay in full which I am not able to currently do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I have requested multiple times for proof with signature that I owe this debt to XXXX XXXX XXXX XXXX. This is a fraudulent company. I paid this debt because the mortgage lender said I needed to pay it in order to obtain a mortgage loan. This company verbalized that they would remove this if I paid it. They lied and that is a crime. I am demanding that this account that was paid in full by me although I never acknowledged that I owed this debt to this company I am demanding that this debt be removed! 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 non-monetary relief