vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: HI

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ) USC 1681E. Specifically, I have noticed discrepancies that I believe do not reflect my true credit history and financial standing. 

As per the FCRA, when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in the report. Unfortunately, it appears that this standard has not been met in my case, as the information listed is incorrect. 

The inaccurate items that I have identified on my credit report reviewed on XX/XX/year>. The inaccuracies are as follows : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Department of Education XXXX 
Department of Education Under 15 U.S Code 1681e ( B ) - Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Please remove these items from my credit report immediately. 

Thank you for your time and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX  - XXXX - {$0.00} XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 ( 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that appears on my credit report. This account was reported without my authorization and violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Disputed Collection Account Details : Collection Agency Name : XXXX XXXX XXXX XXXX Original Creditor : Wells Fargo Account Number : XXXX Date Reported : XX/XX/year> Violations Under the FCRA & FDCPA : 1. Unauthorized Reporting of Fraudulent Information ( FCRA, 15 U.S.C. 1681b & 1681s-2 ) A collection account must be accurate, verifiable, and legally authorized before being reported. Since this debt is fraudulent, it does not meet these requirements and must be removed. 
2. Failure to Verify the Debt ( FDCPA, 15 U.S.C. 1692g ) If I did not receive proper validation of this debt upon request, the collection agency is in violation of federal law and can not legally report or collect on this account.

3. Unverifiable Information ( FCRA, 15 U.S.C. 1681i ) If the collection agency or credit bureau can not verify that I authorized or incurred this debt, it must be deleted immediately.

4. Fraudulent Collection & Identity Theft Protections ( FCRA, 15 U.S.C. 1681c-2 ) As a victim of fraud, I request that this account be blocked from my credit report and that a fraud alert be placed on my file to prevent further unauthorized activity. 

Requested Actions : Immediately remove the fraudulent collection account from my credit report. 
Block the account under FCRA, 15 U.S.C. 1681c-2 as fraudulent activity. 
Place a fraud alert on my credit file to prevent further unauthorized accounts. 
Provide a written response confirming the removal and an updated copy of my credit report. 

I have attached several dispute letters a copy of my identity theft report, police report and supporting documents to verify my claim to the credit bureaus. Ive been trying to dispute this since last year of XXXX and they have ignored all attempts Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-02-05 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX Subject XXXX Dispute of Incorrect Credit Report XXXX Dear CFPB XXXX am writing to formally dispute the inaccurate information listed on my EQUIFAX credit report. The account in question is : XXXX XXXX : XXXX XXXX XXXX. 

This account is inaccurately reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), negative information, such as this closed account, should not remain on a credit report for longer than XXXX years. This account was opened on XX/XX/year>, and its term of XXXX  months ended well before the seven-year reporting window expired. Therefore, this account should no longer appear on my credit report. 

I respectfully request that this account be investigated and removed from my credit report immediately. Attached are supporting documents to assist with your investigation : 1. A copy of my credit report highlighting the account in question. 

Please respond to this dispute within XXXX days, as required by the FCRA, and confirm the removal of this inaccurate information. I appreciate your prompt attention to this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX Subject XXXX Dispute of Incorrect Credit Report XXXX Dear CFPB XXXX am writing to formally dispute the inaccurate information listed on my XXXX credit report. The account in question is : XXXX XXXX : XXXX XXXX XXXX. 

This account is inaccurately reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), negative information, such as this closed account, should not remain on a credit report for longer than XXXX years. This account was opened on XX/XX/year>, and its term of 66 months ended well before the seven-year reporting window expired. Therefore, this account should no longer appear on my credit report. 

I respectfully request that this account be investigated and removed from my credit report immediately. Attached are supporting documents to assist with your investigation : 1. A copy of my credit report highlighting the account in question. 

Please respond to this dispute within XXXX  days, as required by the FCRA, and confirm the removal of this inaccurate information. I appreciate your prompt attention to this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have another complaint # XXXX filed as of XX/XX/year> and the complaint about filing today is relating to. 

I received the email sent by XXXX today. I checked it and found out that there is a bad credit. Please see XXXX XXXX of the attached documents : XXXX XXXX and Credit Report, hereto. 

I can indicate that their multiple withdrawals from my bank account : XXXX Bank and none-linked bank account : Capital XXXX are process of fraud made by CITIBANK , N.A . 

I want CITIBANK , N.A . to fix this bad credit and reimburse money now. 

CITIBANK , N.A . should reimburse me over-withdrawn-money to use wire transfer to my bank account immediately.

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 monetary relief
Consumer complaint received 2025-02-05 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. 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 2025-02-05 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The company refuses to send me bills or statements for my card. The only communication I receive from them is the occasional phone call telling me to pay the bill. In XXXX, they updated my mailing address but still sent me no bill and then in XXXX took payment and marked my account late/delinquent. The account would be paid on time and in full if proper notification would be sent. I cant pay what I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I am writing to express my official concerns about Zelle 's dispute resolution process, particularly in light of the CFPB 's recent lawsuit that exposed serious problems with the platform. Both Zelle and my financial institution have not thoroughly investigated my claims, even though I frequently use Zelle and have reported inconsistencies. They have informed me that it is not possible to track these transactions and that it is not possible to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to protect customers but has also allowed repeat criminals to abuse the system, increasing the likelihood that users may fall victim to frauds. There are major worries about consumer safety because of this intolerable lack of transparency and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MD

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 non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
I added money to my cash app card. To pay a friend I had gotten a loan from. And when I was ready to send the payment my funds was not there. It had been taken out of my account by multiple withdrawal. They only replace part of my funds. I had to close that account and open another one. Still didn't get all my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am submitting this formal complaint regarding EQUIFAX 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided EQUIFAX with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, EQUIFAX failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores [ CREDIT BUREAU ] 's failure to uphold consumer protections under the FCRA. 

EQUIFAX has also claimed that my FTC document is not coming in clear as I've sent multiple letters through the CFPB portal along with supporting documents to EQUIFAX. I have sent my FTC document ( XXXX ) three times or more. My EQUIFAX ESCALATION number is ( XXXX ) and has been notated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation