vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hi my name is XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 

**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization.

**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**.

**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Credit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 2025-01-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened XXXX CDs with Barclay 's last year. Later in the year they wanted everyone to establish new online access. I tried several times and the system said it couldn't find me. I called and was told there was no SSN associated with my account and to send an official document with my SSN on it via email. I sent a 1099 form which happened to have my whole SSN on it to their Deposit Research Dept and am now nervous that it wasn't secure. ( It is very hard, btw, to find a document with the whole SSN on it. ) I then realized I could establish a new online login using an account number. I got into my account and saw that my SSN is actually wrong by XXXX digit. I was told to send another email with my SSN attached, which I stupidly did. So far nothing bad has happened, my identity has not been stolen. BUT THEY STILL HAVEN'T CORRECTED MY SSN. ( I even got the XXXX for XXXX CD that matured last year and it has the wrong SSN. ) I called another couple times, the last time around XXXX and was told my issue would be " escalated '' by their Deposit Research Dept . I 1 ) am worried that having emailed my SSN wasn't safe and 2 ) want them to put the correct SSN on my accounts!

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 2025-01-25 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: NH

Complaint narrative:
recently reviewed a copy of my credit report and discovered that I have fraudulent accounts open, which is hurting my ability to get new credit. this is against the law I would like this account to be deleted from my credit. please delete this fraudulent account.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have inquiries in my name that I didnt authorize nor recognize. 
And I also have a credit account in my name that I didnt authorize.And Capital One has my credit information, due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

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 situation and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 HAVE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT THAT NEED TO BE DELETED IMMEDIATELY. THEY ARE INACCURATE, UNVERIFIED AND A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE INACCURCIES IN THE PAYMENT HISTORY, STATUS DATE, BALANCES & DATE OF LAST ACTVITY BETWEEN XXXX, XXXX, & EXPERIAN AND MUST BE DELETED. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ) ( XXXX  ) ( XXXX XXXX  -- XXXX ACCOUNTS ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE IN THE DATE OF LAST ACTIVITY/STATUS DATE & THE PAYMENT HISTORY FOR EACH ACCOUNT LISTED. THIS IS A VIOLATION OF THE FCRA. EACH ACCOUNT MUST IN THE ENTIRE PAYMENT HISTORY FOR EACH MONTH MUST BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXXXXXX XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS )

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 2025-01-25 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: FL

Complaint narrative:
I HAVE ACCOUNTS THAT ARE REPORTING ON MY CONSUMER REPORT THAT NEED TO BE DELETED IMMEDIATELY. THEY ARE INACCURATE, UNVERIFIED AND A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE INACCURCIES IN THE PAYMENT HISTORY, STATUS DATE, BALANCES & DATE OF LAST ACTVITY BETWEEN XXXX, TRANSUNUION, & XXXX AND MUST BE DELETED. DELETE THESE ACCOUNTS ( XXXX XXXX  ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) ( XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX ) ( XXXXXXXX XXXX ) ( XXXX XXXX -- XXXX ACCOUNTS ) ( XXXX XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE IN THE DATE OF LAST ACTIVITY/STATUS DATE & THE PAYMENT HISTORY FOR EACH ACCOUNT LISTED. THIS IS A VIOLATION OF THE FCRA. EACH ACCOUNT MUST IN THE ENTIRE PAYMENT HISTORY FOR EACH MONTH MUST BE UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX XXXX ) ( XXXX XXXX  -- XXXX ACCOUNTS )

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 2025-01-25 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: MS

Complaint narrative:
I am filing a complain against Equifax and for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submission. This practice violates The Fair Credit Reporting Act. I requested that the CFPB take action to ensure Equifax complies with the federal laws and provide consumer with the necessary proof for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Please see the attachment document, highlighting Portfolio Recovery Associates failure to validate debt which reflects violations of the FDCPA, FCRA, and my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX # XXXX Experian : 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-25 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: CA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation

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 2025-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
The company XXXX  sold my debt to SEQUIUM ASSET SOLUTION and been in my credit for who knows what! Since I am trying to buy my first home to have a better credit, I decided to make a deal on the website for less one time payment, which I did and they took it off my credit collection and all I have the proof from XXXX. Surprise I woke up at XXXX at XX/XX/XXXXXXXX  with messages in my email saying Your Experian credit report has potentially negative info regarding a major derogatory action by SEQUIUM ASSET SOLUTION on XX/XX/XXXX. 
Note Review the details of the negative info here. Mind you I ordered a new card and the place is close to call in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax and XXXX XXXX has share my report even though I have it frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: WV

Complaint narrative:
Found games for sale. Seller asked for payment through cash app sent almost XXXX when he sent me the shipping address. Product never came and he kept making excuses. Tried getting a refund and cash app said they couldn't do anything and denied my refund! Ended up being a fake account too scam people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
From XXXX to XXXX my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with XXXX, Equifax, and XXXX throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt XXXX in lawsuits. I had XXXX lawsuits by the end of next year against me for something that I have been trying to fight. XXXX lawsuit is stressful enough for one person, imagine XXXX lawsuits at the same time from these predatory lenders and debt XXXX. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt XXXX was able to have access to my personal information and these credit reporting companies had data compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
From XXXX to XXXX my credit report consistently reported information about my accounts that I was not responsible for. I have tried many times with Experian, XXXX, and XXXX throughout the years. Telling them that the credit card accounts were not mine. Eventually, I was sue by these debt XXXX in lawsuits. I had XXXX lawsuits by the end of next year against me for something that I have been trying to fight. XXXX lawsuit is stressful enough for one person, imagine XXXX lawsuits at the same time from these predatory lenders and debt XXXX. I had to file for bankruptcy from all the pressure of the lawsuits. All three of these credit reporting companies did not do anything before I was sued. They let all these debt XXXX was able to have access to my personal information and these credit reporting companies had data compromised.

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 2025-01-25 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: OH

Complaint narrative:
XXXX, XXXX XXXX and so forth are getting sued or have been i want what was taken from me

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 2025-01-25 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: OH

Complaint narrative:
XXXX, XXXX XXXX and so forth are getting sued or have been i want what was taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Was scammed by a person named XXXX XXXX that used XXXX ( XXXX ) as a payment source. I paid XXXX XXXX {$100.00} with XXXX for seafood, but once I paid the {$100.00} which was quoted for the product that included shipping, XXXX XXXX contacted me again, saying I needed to pay another {$150.00} for insurance with XXXX. At that point I figured out it was a scam, so I contacted my bank, Bank of America. 

I assumed BofA would have information about the recipient, XXXX XXXX, since the scammers received money and conducted the scam via zelle to XXXX. BofA told me they couldnt find anything about the scammer, which is impossible because they have the bank account information connected to the scammers XXXX account and their phone number. BofA closed out the complaint, and I didnt get my {$100.00}. Why couldnt they just take it back I asked. BofA said they couldnt.

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 2025-01-25 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: MD

Complaint narrative:
During the Equifax data breach, I have more than XXXX hard inquiry on all three credit report, that is not linked to a account, and i didn't apply for.

Company response to consumer: Closed with explanation