vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
A recent review of my Equifax credit report revealed several inconsistencies and errors that need immediate correction. These include accounts and inquiries that are fraudulent and appear to have resulted from identity theft : Collections and Charge-offs : XXXX XXXX XXXX XXXX This account is falsely listed as charged off with a balance of {$7800.00} as of XX/XX/2024. 
XXXX XXXX : Misrepresented as a paid charge-off, with the remark " Account closed by credit grantor, '' which is inaccurate. 
XXXX XXXX XXXX : This account is erroneously included with derogatory information, despite no association with me. 

Unauthorized Inquiries : There are XXXX hard inquiries on my credit report that I did not authorize or recognize. 

Inaccurate Address Details : My report contains incorrect addresses, such as those in XXXX XXXXXXXX XXXX which do not belong to me. 

These inaccuracies have caused significant negative effects on my financial health and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AZ

Complaint narrative:
I am disputing the account listed as XXXX XXXX XXXX - XXXX - {$0.00} on my Experian credit report. The account reflects a {$0.00} balance, which raises concerns about the validity of this charge-off. This inaccurate item is harming my credit report, and I believe it should be investigated and removed if it can not be substantiated.

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 2025-01-21 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 am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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 2025-01-21 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: MD

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 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 2025-01-21 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 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 2025-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Subject : Immediate Action Needed : Approve Outstanding Borrower Defense Applications To the Departments Overseeing XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Department of Education has XXXX found significant evidence of misconduct by these schools. Specifically, XXXXXXXX XXXX misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within six months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX XXXX across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX XXXX and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding Borrower Defense applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the American Dream, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX Inquiries XXXX XXXX XX/XX/24 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/24 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Bankruptcy XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-21 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: MA

Complaint narrative:
I am disputing the following late payment entries on my credit report, as they appear to be inaccurate and unverified : XXXX  XXXX : XXXX - {$0.00} XXXX XXXX XXXX : XXXX - {$0.00} Both accounts show a balance of {$0.00}, but are still reported with late payments. Since no balance remains on either account, it is impossible for any late payments to have been made. I have double-checked my payment records, and no payments were missed or overdue. Despite multiple attempts to resolve this matter through previous disputes, these items remain unresolved. The presence of these errors on my credit report is causing significant emotional and mental distress, including anxiety and sleepless nights. The ongoing impact on my credit score and ability to access credit has also taken a toll on my well-being. 

I request that you conduct a thorough investigation into these disputed items and take prompt action to remove or correct them 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting my FTC report about my current complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MA

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 2025-01-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Jpmcb auto finance did a hard inquiry on the date of XX/XX/2025 on my account thats not authorized by me myself I recently was XXXX  and lost all identification account is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dispute of Inaccurate Information and Unauthorized Hard Inquiries Description of the Issue I am writing to report several inaccuracies on my credit report and to dispute the actions taken by the companies involved. Despite my efforts to resolve these issues through the dispute process, the inaccurate information remains on my credit report. 

XXXX. Negative Items - XXXX  XXXX XXXX Reported XX/XX/XXXX, with a balance of {$2300.00}. This item needs attention as it does not reflect the correct balance or status. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$120.00}. This account was placed for collection by XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$540.00}. This account was placed for collection by XXXX XXXX XXXX  XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$100.00}. This account was placed for collection by XXXX  XXXX XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$660.00}. 

XXXX. Hard Inquiries : - On XX/XX/XXXX, a hard inquiry from XXXX XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- Additional unauthorized inquiries were made by XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, and others listed on my credit report.

Actions Taken : - I have previously disputed these items through the credit reporting agency, but the information remains unresolved. 
- I have not authorized the hard inquiries listed, and I did not give consent for these to be made. 
- Despite my efforts to correct these issues, the negative items and unauthorized inquiries persist on my credit report. 

I request that the companies involved investigate these issues and remove the inaccurate information from my credit report, as it is damaging my credit standing and does not reflect accurate or authorized activity. 

Thank you for addressing these matters promptly.

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 2025-01-21 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: LA

Complaint narrative:
Dispute of Inaccurate Information and Unauthorized Hard Inquiries Description of the Issue I am writing to report several inaccuracies on my credit report and to dispute the actions taken by the companies involved. Despite my efforts to resolve these issues through the dispute process, the inaccurate information remains on my credit report. 

XXXX. Negative Items - XXXX  XXXX XXXX Reported XX/XX/XXXX, with a balance of {$2300.00}. This item needs attention as it does not reflect the correct balance or status. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$120.00}. This account was placed for collection by XXXX. 
XXXX XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$540.00}. This account was placed for collection by XXXX XXXX XXXX  XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$100.00}. This account was placed for collection by XXXX  XXXX XXXX XXXX. 
- XXXX XXXX XXXX Reported XX/XX/XXXX, with a balance of {$660.00}. 

XXXX. Hard Inquiries : - On XX/XX/XXXX, a hard inquiry from XXXX XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- On XX/XX/XXXX, a hard inquiry from XXXX was made without my consent. 
- Additional unauthorized inquiries were made by XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX on my credit report. 

Actions Taken : - I have previously disputed these items through the credit reporting agency, but the information remains unresolved. 
- I have not authorized the hard inquiries listed, and I did not give consent for these to be made. 
- Despite my efforts to correct these issues, the negative items and unauthorized inquiries persist on my credit report. 

I request that the companies involved investigate these issues and remove the inaccurate information from my credit report, as it is damaging my credit standing and does not reflect accurate or authorized activity. 

Thank you for addressing these matters promptly.

Company response to consumer: Closed with non-monetary relief