vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
Experian, TransUnion, And Equifax has failed to fulfill its legal obligation under Fair Credit Reporting Act ( FCRA ) To conduct a reasonable reinvestigation of disputed information credit reporting, leaving in accurate or unveriable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, Transunion, and Equifax, Alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experia, Transunion, and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. T am requesting corrective action for remove or amend the disputed accounts, as Experian, Transunion, and Equifax in action 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 2025-02-10 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: GA

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 2025-02-10 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: SC

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-02-10 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: SC

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I contacted Bank of America regarding a monthly fee charged to my account for Privacy Assist in the amount of {$12.00}. I assumed I had subscribed to this service but when I tried to cancel it, I found there was no way to cancel the service. When I called Bank Of America the representative I spoke with said that I should not be charged for that service even if I had been signed up, She indicated that it was an XXXX and there was no way to cancel the service. She offered to block further charges. The XXXX was setup by Bank of America. She offered to dispute the most recent 3 monthly charges. I opened a case with the XXXX XXXX XXXX XXXXXXXX. The Bank of America call me twice and left voicemail. I have been unable to discuss the issue with them further, They refunded the XXXX disputed charges and the XXXX XXXX XXXX  closed the case without my agreement. There are still XXXX  monthly charges left to be refunded dating back to when Bank of America lost he class action suite regarding privacy assist. By my calculation they charged me {$2200.00} since losing the suite that has still not been refunded. This does not include interest or charges occurring before the class action that was settled XX/XX/year>.

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 2025-02-10 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Lane Bryant ( Comenity Bank ) for misleading and deceptive credit practices in violation of the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I visited a Lane Bryant store in XXXX XXXX  and was encouraged by a store associate to apply for a Lane Bryant credit card. I specifically inquired about whether this application would result in a hard credit inquiry, and I was assured that it would only be a soft inquiry that would not affect my credit score. Based on this information, I proceeded with the application.

However, upon reviewing my credit report, I discovered that Comenity Bank conducted a hard inquiry, which negatively impacted my credit score. I feel that I was misled and unfairly induced into applying for this credit card under false pretenses. Potential Violations 1. Truth in Lending Act ( TILA ) Deceptive L
ending Practices Comenity Bank failed to provide clear and accurate disclosures regarding the impact of the credit application, leading to a misrepresentation of credit terms.

2. Fair Credit Reporting Act ( FCRA ) Unauthorized Credit Inquiry I did not provide informed consent for a hard inquiry, as I was explicitly told it would be a soft inquiry. 

I appreciate your attention to this matter and look forward to your response. Please let me know if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: Rent Recovery Solutions
State: TX

Complaint narrative:
This is in response to complaint ID # XXXX, in which the company requested an account number. The disputed account number is XXXX, and it is attached to this complaint. I believe this request was a deliberate stall tactic, as any alleged debt under my name should have been identifiable without requiring me to provide an account number. 

This alleged debt is unknown to me, and upon contacting the original creditor, I was informed that the balance does not match the amount being reported. Additionally, Rent Recovery Solutions has failed to provide proof of its license to collect debt in the state of Texas. As outlined in my prior complaint, I am formally disputing Rent Recovery Solutions ' reporting of an unverified account with inconsistent and inaccurate information. This account reflects significant discrepancies, including conflicting balances and varying " date last active '' reports across bureaus, which directly impact its accuracy. 

Despite my previous request for debt validation, Rent Recovery Solutions has failed to provide proper verification as required under the Fair Debt Collection Practices Act ( FDCPA ). Given these violations and the companys failure to validate the debt, I demand the immediate removal of this account from my credit report. I reference XXXX XXXX Rent Recovery Solutions LLC, where Rent Recovery Solutions was held liable for non-compliance with the FDCPA, resulting in damages awarded to the plaintiff. If this matter is not resolved promptly, I am prepared to pursue similar litigation. 

I expect immediate action to rectify this dispute. If Rent Recovery Solutions continues to report this unverified and erroneous account, I will escalate this matter further, including legal action for damages resulting from these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 Zelles handeling 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 CFPBs 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 2025-02-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Glory LLC
State: TX

Complaint narrative:
I have some medical debts that I wanted to start paying on. On XX/XX/XXXX, I searched up the collection agency I owed my debt to and without reading the fine print, I clicked on a link that was an ad. Credit Glory paid to have their ad put on the top of search pages. I clicked on the ad and got directed to an agent for the company Credit Glory. The ad itself had wording to bait people into believing they are reaching out to their debt collection agency. When I connected to an agent, they were intentionally vague and even when I said that I was trying to reach an agent for the debt collection agency, they worded it in such a way that they didn't confirm or deny who they worked for. On XX/XX/XXXX, I called them back through this first number to get more information out of them so I could cancel my account and I was being very firm the second time around I asked the Credit Glory agent if he worked for Credit Glory and if he was working for the collection agency I was trying to reach. " I can dispute your debt on your behalf '' " No I don't work for Credit Glory ''. Two quotes I explicitly remember. But back on the XXXX, I signed up for their services. The biggest lie that i have been told from multiple people working for Credit Glory is that its in my best interest to let them dispute the debts on my behalf. This is outright wrong. A big selling point they use is a scare tactic. They say that even if I pay off the debt to the collection agency, it will remain on my credit report for the next 7 years. The first time that I heard this, it sounded scary. I want to build up my credit and even if I fix a wrong, I will still have a huge negative impact on my account? Oh, Credit Glory will dispute these debts? And if they manage to have them removed, they will also have the collection account removed from my credit report? I eventually called the debt collection agency that i owed my debt to and the agent said that if I pay off the debt, they will have it removed anyway. Even if they don't and i si.ply pay off the debt and have it on my report for the next 7 years, at least i will have it dealt with. Credit Glory is taking advantage of the nieve and dangling credit salvation in front of them while billing them almost {$1200.00} a year with a {$190.00} upfront setup cost. They billed me for a {$1.00} charge. I believe they phrased as a way to pull up my credit information. Now I am worried this will be a continual monthly charge of {$19.00}. I wanted to talk about this charge but I have already canceled my account with them on the XXXX and they won't give me any information about this other charge and I can't find out the information on my banking app. All around, I believe this business could be a legitimate business, but they are currently using dishonest methods to squeeze a {$99.00} and a {$19.00} per month fee out of vulnerable people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
This is a Medical debts. Medical debts are no longer are supposed to be reported the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IN

Complaint narrative:
After several attempts Ive sent over documents providing why it should be removed and supporting documents

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 2025-02-10 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: LEXISNEXIS
State: IN

Complaint narrative:
After several attempts Ive sent over documents providing why it should be removed and supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 2025-02-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
XXXX XXXX I am 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 that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax I am writing to formally dispute inaccurate information that appears on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and I am requesting a thorough investigation into these inaccuracies in accordance with federal law. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing sham investigations and other unlawful practices. According to the CFPB, these practices include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without providing proper notification or explanation. 
Failing to notify consumers effectively about the results of investigations. 

These allegations raise serious concerns about the integrity of the dispute resolution process. I am deeply concerned that my dispute could be mishandled in a similar manner, and I am requesting that you ensure full compliance with FCRA requirements during your investigation. 

Please review the following inaccurate information currently being reported : [ Insert specific details of the inaccurate information, including account names, numbers, dates, and a brief explanation of why the information is incorrect. ] I have attached copies of relevant documentation to support my claim. Please conduct a comprehensive investigation and provide written confirmation of the results. If the disputed information is found to be inaccurate, I request that it be corrected or removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From XX/XX/year> to XX/XX/year> Transunion dropped my score XXXX points, although they confirmed there had been no changes in my credit history. 

Transunion advised they were escalating this request to be resolved within XXXX hours and provided a confirmation number of XXXX on Friday, XX/XX/year>. 

I called back on Monday XX/XX/year> and spoke with XXXX XXXX in the special handling department of TransUnion and he advised the confirmation number I provided was not valid and there was nothing to research or resolve. It was again confirmed there were no changes to my credit history. 

Therefore if all the above is true then Transunion can change your score at will, without any credit changes, and the consumer has no recourse.

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