vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
In my review of the credit report, I found some erroneous information. According to Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

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 2025-01-22 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX/XXXX  # XXXX Account Name : XXXX  XXXX  N.A. # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
This letter constitutes a formal dispute of inaccurate information appearing on my credit report. It is required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 15 U.S.C. 1681i ( a ). This section of the FCRA grants consumers the right to dispute any information in their credit report that they believe to be inaccurate, incomplete, or unverifiable. 

The disputed information is as follows : XXXX  XXXX XXXX [ Account # : XXXX / Charge Off ] XXXX  XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] XXXX XXXX XXXX [ Account # XXXX ] Violation of 15 U.S.C. 1681c ( a ) ( 1 ) : The FCRA, specifically 15 U.S.C. 1681c ( a ) ( 1 ), generally limits the reporting period for most negative trade lines, such as late payments, to seven years from the date of first delinquency. The continued reporting of late payments on this closed account may exceed this statutory limitation.

Potential Violation of 15 U.S.C. 1681b : The continued reporting of this closed account with late payments may constitute a violation of 15 U.S.C. 1681b, which requires that consumer reports be fair, accurate, and impartial.

Violation of 15 U.S.C. 1681i ( a ) : Despite filing multiple disputes with Experian regarding this account, I have not received a thorough and impartial investigation as required by 15 U.S.C. 1681i ( a ). Experian has repeatedly verified the account as accurate without providing any supporting documentation or evidence of a legitimate investigation.

Violation of 15 U.S.C. 1681i ( b ) : This failure to conduct a proper reinvestigation, even after repeated disputes, may violate 15 U.S.C. 1681i ( b ), which requires CRAs to reinvestigate disputed information.

Violation of 15 U.S.C. 1681i ( c ) : Experian has failed to provide me with the results of their investigation and any supporting documentation related to this account, as required by 15 U.S.C. 1681i ( c ). This lack of transparency hinders my ability to understand and dispute the accuracy of the information being reported.

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 2025-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
" The CFPB forwards the complaint to the company named, who is expected to provide a complete and timely response directly to the consumer. '' Please have your WELLS FARGO BANK XXXX ( XXXX which was identified as Bank of Origination for a deposit received that we believed was our XXXX Income Tax Refund for the Tax year XXXX. Wells Fargo 's deposit was made on XX/XX/XXXX in the Amount : {$980.00}. 
The deposit is shown as made by the Company Name : NY XXXX and XXXX ID : XXXX '' XXXX. What is the XXXX of the company NY XXXX? 
XXXX. Customer Name is shown as XXXX, XXXX. Are we customers of Wells Fargo bank as XXXX Taxpayers? 
XXXX. Why is my husbands name abbreviated as XXXX and my name absent as recipient for our XXXX XXXX refund? 
XXXX. Is XXXX a business partnership registered with the NY XXXX of XXXX in connection with Wells Fargo Banks employee, XXXX of the Bank or a XXXX Employee or anyone else? 
XXXX. Are my husband and I on Wells Fargo 's XXXX payroll under DLN : XXXX? 
XXXX. Is the Wells Fargo deposit recorded as a XXXX personal income tax refund in the XXXX Comptrollers accounting system?

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax has mis handled my credit report resulting in lower score which make its hard to get a car or home it has impacted me in several ways and also since equifax has poorly handled the situation allowing inaccuracies on my credit report violating 15 U.S.code 1692 ( d ) ( 2 ) - causing harm to your reputation via credit report getting denied credit, housing, etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
My information was part of Equifax data breach. I am writing to formally dispute inaccuracies and issues I have encountered with my credit report, which was provided by Equifax. I believe these errors violate the Fair Credit Reporting Act ( FCRA ), as cited in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax regarding the improper handling of consumer disputes. I asked for debt validation, purchase agreements and proof of how they verified these debts are completely accurate. They did not provide me anything a clear violation of FCRA. 

The issues I am disputing include the following : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX funding Accounts that says verified. 
XXXX. XXXX account that says verified. 
XXXX. XXXX Account that says verified. 
XXXX. XXXX account that says verified. 
XXXX. XXXX  XXXX account/ says verified XXXX. XXXX XXXX says verified XXXX. Achieve personal loan/says verified XXXX. XXXX XXXX verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I'm writing to formally express my concerns regarding PayPal 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using pay pal numerous of times and reporting discrepancies my financial institutions and pay pal failed to investigate my clans adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible.. The CFPB 'S findings indicate that pay pal 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 customer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling 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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Money Was Stolen Out Of Account Never Got Replaced Instead They Closed My Account When I Reported it And Never Gave Me My Funds! {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
POSSIBLE FINANCIAL INC. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX XXXX {$320.00} Balance Updated XX/XX/XXXX This information above is showing on my experian.com credit report and XXXX. 
I have paid in full this account with true accord the debt collection agency on XX/XX/XXXX in the amount of {$320.00}. I have received XXXX letters from true accord stateing my account has been paid off XXXX submitted the letter in pdf to all XXXX bueros immediately and I disputed this with XXXX several times Every day for the past 30 days I get a RUDE response from an agent AT XXXX.XXXX  WHO JUST KEEPS GIVING ME THE SAME INACCURATE INFORMATION AND TELING ME TO DISPUTE AND THEN NOTHING HAPPENS DIFFERENTLY ONLY BEING TOLD that this is what possible is reporting to experian.com. I have paid off this balance. I also have witnessed backlash from fileing a dispute on experian.com then possible reported to XXXX and transunion bad debt comment on my accts after I have paid the account off more than XXXX  days ago now. I just want the inaccurate information fixed please and the balance to reflect XXXX balance since I have fulfilled my obligation. Possible finance has me blocked from logging in on the website and the phone number is only a recording. I have paid my obligation can you please change my credit report with experian.com to XXXX balance for possible finance POSSIBLE FINANCIAL INC. 
Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$320.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$320.00} Balance Updated XX/XX/XXXX I paid off in XXXX, XXXX So the information showing on XXXX.XXXX  AND XXXX IS INACCURATE INFORMATION.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$2600.00}, XXXX  XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX  XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: UT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX -DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I discovered several erroneous entries. The 3 credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$28000.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America knowingly and in a retaliatory fashion continues to report incorrect, erroneous and outright false information to XXXX, XXXX and XXXX without my express written permission as required under the FCRA and continues to re-age this alleged debt that has long ago been satisfied and is in fact a debt Bank of America owes to me and should not be reported on any consumer credit report as it is considered as income according to Bank of America. This account must reflect accurately or be removed from any and all reporting. The correct information is a XXXX balance paid as agreed. If Bank of America can not report accurately, they must not report anything at all, particularly as they do not have my permission to report anything about me whatsoever especially to XXXX, a corporation that is owned by Bank of America.

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 2025-01-22 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: CL Holdings LLC
State: ID

Complaint narrative:
XXXX has failed to fulfill its legal obligation und 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 m experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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