vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
There are XXXX accounts on XXXX XXXX, Equifax and XXXX that has been reported incorrectly and have not been corrected or deleted by the credut reporting companies. They are listed below as follows : XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$3800.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$870.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$1900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account XXXX XXXX XXXX XXXX XXXXcount Type Revolving Account Loan Type CREDIT CARD Balance {$1200.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX Balance {$24000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XX/XX/XXXX Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$9600.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX Balance {$14000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$18000.00} from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I have been sending then copies of 'y credit report and asking then to take it off. I even attached copies of if being charged off. And they are stilling reporting it. I have even called and asked the ' and told then it's a XXXX dollars to report false information on 'y report and they keep doing it

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 2025-01-29 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 company has two social security numbers attached to me. I was told they will not delete them due to it as being attached to an account. over 10 addresses, 4 different names attached to me. This Company is already aware of unauthorized charges from Experian techs I.e. signing me up for credit monitoring but I didnt authorize the charge. This company is aware of multiple fraud alerts I had present and past.

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 2025-01-30 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: FL

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX, XXXX, and TransUnion regarding inaccurate and unauthorized information on my credit report. Despite my attempts to resolve these issues directly with the credit bureaus, the errors remain and are negatively impacting my XXXX XXXX. 

Details of Disputed Items : XXXX. Company Name XXXX XXXX XXXXl, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Issue : Unauthorized inquiry, duplicate account, incorrect balance, wrong account status Requested Action : Remove the inquiry, correct balance, update account status to closed XXXX. Company Name : XXXX, XXXX, and TransUnion Issue : Account marked as open when it should be closed, incorrect late payment reporting Requested Action : Correct account status, remove inaccurate late payment Why This Needs to Be Corrected : These accounts are reporting inaccurately and do not reflect my true credit history. 
I have not authorized some of these inquiries, and they should be removed. 
The information is causing unnecessary harm to my credit score and financial well-being.

Request for Investigation : Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to investigate and verify the accuracy of the disputed items within XXXX  days. If they can not verify the accuracy, they must remove or correct the disputed items. 

I request that the CFPB ensures the credit bureaus properly investigate and resolve these issues. Please provide me with a written response confirming the actions taken. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2025-01-30 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. These inaccuracies are negatively affecting my credit report. Despite my submissions, Equifax consistently responds in less than XXXX hours stating that the account is accurate and not providing me any evidence of a thorough investigation. I have submitted numerous complaints previously. From my understanding, this practice violates the Fair Credit Reporting Act 15 USC-1681i which mandates a reasonable investigation of disputes. Also, if any comments on my Equifax states that the accounts was previously disputed but resolved. Despite this, inaccuracies persist in the reported information, indicating that the data furnisher ( listed below ) did not properly investigate the dispute. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, 12 USC-5536 ( a ) ( 1 ) ( a ) ( b ) as highlighted in the CFPB 's XXXX administrative proceeding File N. XXXX against them for similar violations. 

They have also violated my rights under : 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 

I request that the CFPB take immediate action to ensure that XXXX complies with the necessary proof of investigation. Thank you. 

Accounts : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Where is the endorsement for check XXXX? The check was made payable to XXXX XXXX XXXX for our insurance premium. Was this check deposited into a Wells Fargo 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I got scammed back in XX/XX/year> through my bank ( XXXX  ) and zelle, I was scammed into sending money. They took XXXX from my bank and I tried to get it resolved with zelle and XXXX  but they couldnt do anything to get my money back, they just made me delete my bank account and reopen a new one, I file a police report about the scam as well and they did an investigation but was unable to help get my money backIve been through a lot of hardship because of this and learned to never trust anyone again. I was scammed by someone on XXXX who said they would help me make some money, and I only did it because I really wanted to help my parents outIm a failure as a son and I just want to make things right and wish I never talked to that person on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2025-01-30 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: NC

Complaint narrative:
I am a victim of identity theft and I have disputed credit report errors multiple times and nothing was fixed and remained the same far as my personal information, addresses, companies and even payment history

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Between April 15-25, 2024 XXXX, Experian, & XXXX received XXXX letter regarding 15 USC 1681 et seq ( FCRA ) violations on my consumer report with clear instructions to removed violations as agent for the principal with XXXX being XXXX only XXXX to respond. See Exhibits XXXX Then on XX/XX/year> XXXX, Experian, & XXXX through XXXX XXXX, all engaged in unfair and deceptive acts or practices when they altered my consumer/credit score for a period of XXXX  days after receiving the letter. XXXX Exhibits XXXX and XXXX. 

This unfair and deceptive acts or practices also shows that in the last XXXX  months a gained of XXXX points to consumer/credit score according to Experian. How is this even possible? See Exhibits K-L There was no lawful reason for them to commit these unfair and deceptive acts or practices. This was done with malicious intent, and willful non compliance by XXXX, Experian, XXXX causing pain and suffering to me. 

What XXXX, Experian, XXXX all failed to realize is that they are reporting the information of the Creditor ( UNDERLYING PRIVATE INVESTOR ) which is not the bank in accordance with ( TILA ) 15 USC 1602 ( e ), ( g ), & ( l ), ( e ) The term person means a natural person or an organization. ie XXXX natural person ( g ) The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than XXXX installments or for which the payment of a finance charge is or XXXX be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness et seq, ie Making me the creditor ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ie the Social Security XXXX XXXX making me the one who extended the credit. 

This will be reported to Massachusetts XXXX XXXX and FTC it also serves as my XXXX  Day Notice of intent to sue XXXX, Experian XXXX XXXX XXXX for engaging in unfair and deceptive acts or practices under FTC 15 U.S.C.Sec. 45 ( a ) ( 4 ) ( A ). XXXX XXXX XXXX Section 2 aka Massachusetts Consumer Protection Act, and 15 USC 1681 et seq ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: TX

Complaint narrative:
so, over the years I've used cash app, i always borrow money and repay the loan and borrow it again, its what I've always done since cashapp provided that option. on XX/XX/XXXX i borrowed {$300.00}. with XXXX XXXX flat fee, with my account on auto pay to pay all at once, on XX/XX/XXXX in a timely manner i repaid my borrow back {$310.00} at XXXX with a transaction ID : XXXX. my payment was completed. the following days XX/XX/XXXX or XXXX, i notice my overdraft was covering my purchases when i looked into my account i see that I'm OVERDUE on my borrow loan. so i go to cash app support and ask them, they said they will report it that's it. i call cash app they said they are unable to speak about it over the phone like its a big secret mission. to wait for an email. on XX/XX/XXXX i get an email from cash app and says hi felicai itlooks like youre overdue on your borrow please pay it back to avoid fees, i respond back to the email thats obviosuly but i paid so why is it saying that, i get email after email we are escalating this. but no one has called, emailed, resolved or helped. it caused all my pay over time to be late, i had to switch banks for my deposits since i no longer trust them,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

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 2025-01-30 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: MI

Complaint narrative:
These companies violated my rights to privacy and have not shown me proof of the original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

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 2025-01-30 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting corrective action to remove or amend disputed accounts as XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} Capital One Date Opened XX/XX/XXXX Balance {$6200.00} XXXX XXXX ( Finance ) XX/XX/XXXX 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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