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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Date of Birth is incorrect on my credit report. 
My correct date of birth is XX/XX/scrub>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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 2025-01-24 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX : XX/XX/XXXX Subject : Dispute of Reinserted Information in My Credit Report I am writing to formally dispute the reinsertion of information previously deleted from my credit report. Upon reviewing my credit report, I have noticed that the following item ( XXXX ), which were previously removed following a successful dispute, have been reinserted without proper notification and certification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( C ). 

Account Information : XXXX XXXX XXXX # XXXX According to the FCRA : XXXX. Certification Requirement Before reinserted information can be placed back onto my credit report, the XXXX XXXX XXXX is required to obtain certification from the furnisher that the information is accurate and complete. If such certification was not obtained, the reinsertion violates the FCRA. 
XXXX. Notification XXXX XXXX the law, the credit bureau is required to notify me within XXXX business days of the reinsertion, providing details including the furnishers contact information and my right to dispute the item again. I did not receive any such notice, which is a direct violation of my rights under the FCRA. 
XXXX. Ongoing Dispute Rights I am exercising my right to dispute this reinserted information once again, and I request that you promptly reinvestigate and provide proper documentation verifying the accuracy of the reinserted data or remove it from my report immediately. 

Please consider this letter as my formal dispute. Under the FCRA, you are required to investigate and respond within 30 days of receiving this notice. If the reinsertion is found to be unverifiable or inaccurate, I expect it to be removed immediately from my credit report. 

Additionally, I request that you remove the following unauthorized inquires : 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 XXXXXX/XX/XXXX If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to explore any legal remedies available to me under the FCRA.

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX : XX/XX/XXXX Subject : Dispute of Reinserted Information in My Credit Report I am writing to formally dispute the reinsertion of information previously deleted from my credit report. Upon reviewing my credit report, I have noticed that the following item ( s ), which were previously removed following a successful dispute, have been reinserted without proper notification and certification as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( C ). 

Account Information : XXXX XXXX XXXX # XXXX According to the FCRA : 1. Certification Requirement Before reinserted information can be placed back onto my credit report, the credit reporting agency is required to obtain certification from the furnisher that the information is accurate and complete. If such certification was not obtained, the reinsertion violates the FCRA.

2. Notification Obligation Under the law, the credit bureau is required to notify me within five business days of the reinsertion, providing details including the furnishers contact information and my right to dispute the item again. I did not receive any such notice, which is a direct violation of my rights under the FCRA.

3. Ongoing Dispute Rights I am exercising my right to dispute this reinserted information once again, and I request that you promptly reinvestigate and provide proper documentation verifying the accuracy of the reinserted data or remove it from my report immediately.

Please consider this letter as my formal dispute. Under the FCRA, you are required to investigate and respond within 30 days of receiving this notice. If the reinsertion is found to be unverifiable or inaccurate, I expect it to be removed immediately from my credit report. 

Additionally, I request that you remove the following unauthorized inquires : XXXXXXXX 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 XXXXXX/XX/XXXX If this matter is not resolved within the legally required timeframe, I am prepared to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to explore any legal remedies available to me under the FCRA.

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: KS

Complaint narrative:
Here 's a template for a dispute letter addressing civil liability for negligence and non-compliance, which you can customize to fit your specific situation : -- - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ks, XXXX. 
XXXX XXXX XX/XX/year>. 

Experian/equifax Subject XXXX Dispute Regarding Civil Liability and Non-Compliance Dear equifax/transunion I am writing to formally dispute the claims related to civil liability negligence and non-compliance as outlined, credit reporting errors. I believe that the assertions made are unfounded and do not accurately reflect the circumstances surrounding this matter. 

According to the provisions of section 60810.

Furthermore, I would like to highlight the following points : 1. Negligence 2. **Non-Compliance In light of this information, I request a thorough review of this case and the evidence presented. I am prepared to provide any additional documentation or information needed to resolve this dispute amicably. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX ---

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 — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
I was a victim of identity fraud during that time someone opened these accounts and some of these accounts are over XXXX XXXX XXXX and they wont take them off my credit report

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: NJ

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 removeddisputed 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: NJ

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 removeddisputed 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Sofi has unauthorized 2 charges on my account on my account the XXXX of XXXX but I posted the XXXX. When I never used XXXX those times and got charged {$60.00} and {$79.00}. Once I disputed it they denied it because i used it before. When the first time I got the message and notification about unauthorized activity and I clearly denied it i still got charged now they won't return {$140.00} worth of my money and customer service reps are the most horrible ever. I even let them know i can provide proof of my XXXX rides but couldn't do anything. I'll be switch to another bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received a check from underdog fantasy On XX/XX/year> For {$36.00} I tried to mobile deposit it to Wells Fargo on XX/XX/year> This caused Wells Fargo to close my account. I spoke with support who tried to say it is because it is a bad check. I talked to the issuer and they verified it is a legitimate check and that Wells Fargo is wrong for this. So I contacted Wells Fargo again and they wont help me. They want me to contact the issuer and have them send something notarized proving it is a real check.. this situation is hurting me so bad. I dont have money now for rent or gas and food this is causing so much harm to my life. I was suppose to get a direct deposit there today and now I have no clue where its my job said that they have not returned the payment so I cant even get a new check for my direct deposit. Im at a loss for words.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION ASSOCIATES, LTD.
State: TN

Complaint narrative:
I was not giving any proof of this debt .i ask for copy of any identification used for this account. Wasnt provided..

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: TX

Complaint narrative:
I had received an amount of money XXXX and cash app told me that the XXXX that was stolen from me had to be that of larger amount so they couldnt do anything about giving my money back in return

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
A mutual customer purchased a Western Union Money order # XXXX for {$95.00} in XXXXXXXX XXXX and submitted it to us for payment. Said Money order was deposited by us on XXXX. On or about XXXX the money order was returned to us marked " Altered / Fictitious item by XXXXXXXX XXXX costing us a {$15.00} return check charge. 
We contacted the submitter who in turn contacted Western Union to submit a " XXXX XXXX '' request on the money order via email. 
Western Union advised him that the Money Order had been cashed, stated a copy of the cashed item was attached from a " No Reply Email address '' with no attachment. 
I and my banker have spent several hours on the phone and writing to no avail to rectify the problem. The affidavit they want me to print and sign will not print from Western Unions website and in speaking with there rep they want me to pay a {$15.00} charge to get a copy of the " XXXX XXXX ''.

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

Complaint narrative:
I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX - showing on ( XXXX and Transunion ) with bal of {$1000.00} XXXX XXXXXXXX - showing on ( XXXX, XXXX, XXXX ) with a bal of {$2400.00} XXXX XXXX XXXX - showing on ( XXXX, XXXX, and XXXX ) with a bal of {$5900.00} XXXX XXXX XXXX  - showing on ( XXXX, XXXX, and XXXX ) with a bal of {$170.00} XXXX - ( XXXX ) with a bal of {$0.00} ; opened XXXX XXXX - ( XXXX  XXXX, and XXXX ) with a bal of {$0.00} ; opened XXXX XXXX XXXX  - ( XXXX XXXXnd XXXX ) with a bal of {$3900.00} XXXX  XXXX - ( XXXX, XXXX, and XXXX ) with a bal of {$5700.00} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report over last few months and the following items reporting do not belong to me : XXXX  - showing on ( XXXX and XXXX ) with bal of {$1000.00} XXXX  XXXX - showing on ( XXXX, XXXX, Experian ) with a bal of {$2400.00} XXXX XXXX XXXX  - showing on ( XXXX, XXXX, and Experian ) with a bal of {$5900.00} XXXXXXXX XXXX XXXX XXXX showing on ( XXXX, XXXX, and Experian ) with a bal of {$170.00} XXXX - ( Experian ) with a bal of {$0.00} ; opened XXXX XXXX - ( XXXX  XXXX, and Experian ) with a bal of {$0.00} ; opened XXXX XXXX XXXX  - ( XXXX and Experian ) with a bal of {$3900.00} XXXX  XXXX - ( XXXX, XXXX, and Experian ) with a bal of {$5700.00} Please assist me in getting these accounts removed these are not my accounts. I have sent police reports and ID Theft reports to these companies. Please help.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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