vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
There's issue with my paypal account, I can't receive money on my pypl account because of 'wrong country error '. Is my account limited by US government? Please answer my question. 
Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
I am writing to formally report inaccuracies in my credit reports from all three major credit bureaus. Because of my attempts to fix these issues since XX/XX/year>, nothing has been done to address the discrepancies. 

Specifically, there are multiple inaccuracies, including but not limited to : Evictions : Incorrect or outdated information that does not reflect my actual rental history is being reported. 
Repossessions : Accounts are being inaccurately reported, either as repossessions that did not occur or with incorrect details about the accounts. 
I have made several efforts to dispute these errors directly with the credit bureaus, providing documentation to support my claims, yet the information remains unchanged. This inaccurate reporting has significantly impacted my financial well-being and access to credit. 

I am requesting the CFPBs assistance in ensuring the credit bureaus investigate and correct these errors in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'am requesting that the information I uploaded attached here be evidence that I did not open those accounts up. XXXX XXXX has cleared it off my report as well as XXXX. I have submitted letters etc and nothing has been done to fix the problem. I also sent my grandfathers information so I could open up an account. I also sent in letters as well as the FTC report. I'am also opening up a XXXX report as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to an 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 2025-01-19 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. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 2025-01-19 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block Inc. ) due to interact with adequate customer service and unfair practice which violates the Consumer Federal Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud or 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
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 inaccurate 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 said item. ( 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, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-19 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXX XXXX  that you, the TransUnion, XXXX and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX, an auto loan opened at XXXX on XX/XX/XXXX, a collections account opened at Tower Loan on XX/XX/XXXX with a balance of {$1000.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$690.00} a collections account opened at XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$410.00} and {$320.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX with a balance of {$3200.00} and {$130.00} a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1800.00} a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$390.00} a collections account opened at XXXX on XX/XX/XXXX with a balance of {$230.00} and a collections account opened ay XXXX XXXX on XX/XX/XXXX with a balance of {$140.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complaint Against : TransUnion Subject : Failure to Remove Inaccurate Address Information I am filing a formal dispute regarding the continued reporting of an inaccurate address on my credit report by TransUnion. Despite repeated disputes and providing the necessary documentation, neither credit bureau has removed the incorrect address or updated my information. This issue has persisted since XX/XX/year>. 

The inaccurate address that I have been disputing is : XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

The accurate address that I have been requesting to be reflected is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. 

To support my dispute, I have submitted the following documents to TransUnion A valid photo ID showing my current address. 
A utility bill reflecting my current address. 
A Social Security card to verify my identity. 
Despite submitting all necessary documentation to prove my identity and the accuracy of my current address, Transunion has failed to comply by updating my information and removing the outdated address. 

This failure to update my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The credit bureaus have not followed reasonable procedures to ensure the accuracy and completeness of the information they report. The continued reporting of an incorrect address violates this provision. 

Section XXXX ( XXXX XXXX. XXXX ) When a consumer disputes an item on their credit report, the credit reporting agency must conduct a reasonable investigation. This includes verifying the correct address when provided. My repeated disputes have not been adequately investigated or addressed, which constitutes non-compliance with this section of the FCRA. 

I am fully aware of my consumer rights under the FCRA and expect that the credit bureaus comply with their obligations to provide accurate information. Therefore, I am requesting that TransUnion immediately remove the outdated address from my credit report and update it with my correct address, XXXX XXXX XXXX XXXX, XXXX XXXX, MI 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recieved an alert from my credit monitoring service of an inquiry from 2 banks I looked at my Trans Union credit report to find inquiries from XXXX XXXX on XXXX and XXXX XXXX XXXX on XXXX. I did not make these 2 inquiries and did not authorize anyone to make these inquiries.

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 2025-01-19 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: AZ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. Account name : XXXX XXXX XXXX Account number : # XXXX XXXX. Account name XXXX XXXX XXXX  XXXX, XXXX Account number : # XXXX XXXX. Account name XXXX XXXX XXXX  Account number : # XXXX Equifax trickery continues furnacing disputed and previously deleted information from my credit file. 
I request Equifax supplied proof of the alleged debts, writing contracts, copies of writing permission, copy of my driver 's license and copy of social security I request Equifax provide EVIDENCE of the procedure used to verified such as information I request Equifax provide the CFPB and me with the names, phones numbers, contact person, addresses of all the people who participated on the investigation or who ever who can come Infront off a Jury. 
Pursuant to section XXXX of the Fair XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reasonable cause to believe that the information is inaccurate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 7 ) negative XXXX XXXX XXXX XXXX  - Responsibilities of furnishers of information to consumer reporting agencies,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Definition : identity theft XXXX XXXX XXXX XXXX  - Civil liability and XXXX the required notifications to all Furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 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 of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 procer 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 XXXX financial loss, and I seek appropriate redressfor these violations 9

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-01-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed using cash app out of {$300.00}, was putting a down payment on a vehicle and it ended up being fraudulent, XXXX XXXX XXXX was hacked and then I did not get my money back or any vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 proce 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 2025-01-19 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: CA

Complaint narrative:
I found fraudulent inquires in my credit report. 1 ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Plese remove that inquires in my credit repor

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 2025-01-19 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: CA

Complaint narrative:
I found fraudulent inquires in my credit report. 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX Plese remove that inquires in my credit repor

Company response to consumer: Closed with non-monetary relief