vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: NC

Complaint narrative:
I received a credit card from Cash App that I never ordered ( in early XXXX ), I contacted Cash App and started a case but received no follow up. Tried calling Cash App and they are less than no help, didn't want to transfer to a XXXX and hung up. Just today ( XX/XX/year> ) I received a XXXX from Block Inc stating that in my name someone accepted {$12000.00} ( {$33.00} XXXX, {$12000.00} XXXX ), I am liable for that to IRS now. 

Called Cash App again today, they can't find anything with the name, email nor the Cash App user name on the card. Cash App was of XXXX help and just said to open a identity theft case on XXXX. They would only work with the police department if the police would contact them. 

The card was opened in my maid name, I have had my new last name for over XXXX years now. Don't know how they used a wrong last name and still opened the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: OK

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding errors on my credit report that have resulted in an inaccurate credit score. Despite my attempts to resolve the issue directly with the credit reporting agencies and debt collectors involved, the disputed items remain unresolved. Debts remain impacting my score despite not being given proof of debt, debt validation etc. These inaccuracies are affecting my creditworthiness and causing significant harm to my financial situation. I have requested verification of the disputed debts, but have not received sufficient documentation or evidence supporting the claims made. I am seeking the CFPBs assistance in ensuring a thorough and fair investigation into these discrepancies, so that they can be corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I am requesting that the necessary actions be taken to remove or amend the erroneous entries on my credit report and that a resolution be reached promptly to mitigate further damage to my credit standing. 

Following errors : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and/or incomplete information being reported on my credit file regarding the following accounts : XXXX. XXXX XXXX XXXX. Capital One Upon reviewing my credit report from XXXX, I have identified erroneous and/or unverifiable information associated with these accounts. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including, but not limited to, 15 U.S.C. 1681o for negligent noncompliance.

The issues I am disputing are as follows : XXXX XXXX : The account was closed and settled but is still being reported incorrectly. 
Capital One : This account contains incorrect late payments.

Under the FCRA, I request that you : 1. Conduct a thorough investigation of these accounts.

2. Provide me with documentation supporting the validity of the information being reported, including contracts or agreements bearing my signature ( if applicable ).

3. Correct or remove any unverifiable, inaccurate, or outdated information from my credit report.

If you can not verify the accuracy of the accounts, I request their immediate removal from all reporting bureaus.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

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

Complaint narrative:
I have requested for numerous months throughout the year for written method of Validation for all accounts that the are listing on my credit report. They only send me the credit report with the same comments that they validated the accounts as accurate. They have not provided me proof of said items to include the request of method of validation. 

XXXX XXXXXXXXshowing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXXXXXShowing derogatory and I've requested the method of validation. Requested to be deleted in not validated correctly. 

XXXX XXXXRequested method of validation and to be deleted if not provided requested information. 

XXXX. XXXX-showing late payments that are incorrect. Requested negative information to be deleted unless validated correctly and provided proof. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX XXXX XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXXRequested method of Validation and proof of negative information or delete from report. 

XXXX  XXXX Bankruptcy- Requested method of Validation and proof of negative information or delete from report. USBK Court of XXXX  Oklahoma DOES NOT report this information to any credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern I am writing to formally dispute inaccurate information contained in my credit report, which I obtained from your agency on [ date ]. The following item ( s ) is/are inaccurate : MidLand Credit management . Incorrect balance Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and conduct a timely investigation of any disputes raised by consumers. Specifically, your obligations include verifying the accuracy of the disputed item ( s ) and updating or removing any unverifiable or inaccurate information within 30 days of receiving my dispute.

Your failure to comply with these requirements constitutes a violation of the FCRA, subjecting your agency to civil liability under 15 U.S.C. 1681o for negligent noncompliance. The statute allows for the recovery of actual damages, legal fees, and other costs associated with your failure to meet your legal obligations.

To facilitate your investigation, I have enclosed the following documentation : 1. A copy of my credit report highlighting the disputed item ( s ).

2. [ Any relevant supporting documents, e.g., statements, proof of payment, correspondence with the creditor. ] 3. A copy of my identification and proof of address ( e.g., drivers license, utility bill ).

I respectfully request the following actions : 1. Conduct a thorough investigation of the disputed item ( s ).

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct any inaccurate, incomplete, or unverifiable information immediately.

I expect a written response within 30 days as required by the FCRA. If this matter is not resolved promptly, I reserve the right to pursue all available remedies under the law, including legal action to recover damages for your negligent noncompliance.

Please address all correspondence regarding this matter to the address listed above or contact me directly at [ your phone number ] or [ your email address ].

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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

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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : DEPT OF ED/XXXX XXXX DOE XXXX  XXXX INQUIRY : XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im fed up with the constant inaccuracies that keep showing up on my report. Every error is costing melowering my score, damaging my credibility, and keeping me from financial options Ive worked hard to earn. Its beyond frustrating to feel powerless while my future is being undermined by incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I checked my credit report this morning, I was surprised to see inaccurate accounts listed, and I have no idea how they appeared. I regularly review my credit report, but this time, there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a minor glitch, but the errors persisted. Because of this, I kindly request that the documents I submitted be thoroughly examined to prevent any future concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 XXXX financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
XXXX transunion and XXXX is reporting a XXXX  late payment for XXXX and I was never late and they will not remove my late payment its very frustrating now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX and equifax is reporting a XXXX  late payment for XXXX and I was never late and they will not remove my late payment its very frustrating now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear American Express Customer Service, I am writing to express my dissatisfaction with my recent experience attempting to apply for the American Express XXXX XXXX. I was informed that I am ineligible for this card, and I am requesting a clear explanation for this decision.

I have been working towards building a strong credit history and believe I am a responsible credit user. I am disappointed that despite my efforts, I was denied the opportunity to apply for the XXXX XXXX. 
I request that you review my application and provide a detailed explanation for the denial. I would also appreciate information on any steps I can take to become eligible for this card, or other American Express products, in the future. 
I look forward to your prompt response and a resolution to this matter. 
Sincerely,

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

Complaint narrative:
I am submitting this complaint in reference to inaccurate personal information. That is being reported on my Equifax consumer file. I am disputing the personal informations of outdated inaccurate address information.

The addresses that are being reported are alias addresses. As stated on Equifax credit file it states that all the addresses are reflects dates of addresses o the same dates but different locations at one time.

I demand that these addresses be deleted, as a result of your reporting. It is putting my personal information at teh risk of identity theft. Please delete the list of alias addresses below as, they are not my addresses and I am not living there.

See list below to be removed : Addresses Date Reported XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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