vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 : address fraud on their platform, leaving m, 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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I am writing to formally dispute certain accounts on my credit report that I do not recognize. After reviewing my credit report, I discovered accounts that I did not open or authorize. Given that my personal information was exposed in a national data breach, I believe I have been a victim of identity theft. 

I have already submitted a complaint to the Federal Trade Commission ( FTC ) regarding this matter and have requested validation of the debts in question. However, I have not yet received adequate documentation proving the validity of these accounts. 

To support my dispute, I have attached the following documents : 1. A copy of my government-issued ID for identity verification.

2. A copy of my FTC Identity Theft Report.

3. Documentation showing my personal information was compromised in a national data breach.

4. A copy of my debt validation request.

Given the circumstances, I request the immediate removal of these fraudulent accounts from my credit report under the Fair Credit Reporting Act ( FCRA ). Please conduct an investigation and provide me with the results at your earliest convenience. 

I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I disputed an collection account XX/XX/XXXX and also filed an complaint with the CFPB about this same collection account that was being inaccurately reported from Experian. I also asked Experian for an re-investigation of this same collection account due to the fact I never received any documentation to validate this alleged collection. On the contrary, Experian deleted this collection from my credit report the XXXX of XXXX of XXXX along with XXXX and XXXX because it could not be properly verified. However, I reviewed my credit report in XXXX of XXXX and this collection reappeared in my credit file. As to date I have not received any written notices from Experian or the XXXX XXXX XXXX XXXX XXXX stating that the reinsertion of a previous deleted account has reappeared into my credit file. I would like to also state the fact that Experian along with XXXX does not properly investigate disputes from consumers.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Credit Collection Service for an old XXXX account. 

I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXX account, I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

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 2025-02-11 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: IL

Complaint narrative:
I am writing to formally express my concerns with Zelles handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds were impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-11 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: UT

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - BALANCE {$19000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - BALANCE {$330000.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/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 2025-02-11 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Date of Incident : XX/XX/2023 Amount Involved : {$9700.00} Actions Taken : I paid the amount insisted upon by the property manager. I was told I would receive rent assistance and only pay prorated charges. Payment was made directly to the manager. Issue is the property manager was terminated for stealing money from the property, which affected my account status. Despite assurances from the manager that my account would be updated by corporate, my account was not attended to due to her sudden departure. This incident is negatively impacting my credit score, despite my fulfilling the agreed-upon payment terms. I was promised rental assistance through a letter from the church, but due to the manager 's departure, I never received the necessary documentation. Please see the attached emails/correspondence from the property manager, which confirm the agreed-upon payment terms and promised rental assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NE

Complaint narrative:
Nature of the Violation : Experian is blatantly violating federal law by refusing to properly investigate my legitimate dispute regarding fraudulent charges. Instead of complying with the Fair Credit Reporting Act ( FCRA ), Experian has engaged in deliberate obstruction tactics, knowingly misrepresenting my dispute and imposing illegal barriers to prevent my case from being resolved. This is not an oversightit is a systematic and willful disregard of consumer protection laws. 

Specific FCRA Violations Committed by Experian : 1. Knowingly Misclassifying My Dispute to Avoid Investigation Experian has deliberately misclassified my dispute as an identity theft claim, even though I never alleged identity theft. I disputed fraudulent charges, which is entirely separate from identity theft under the law. Experian is falsely applying identity theft protocols to force me into an illegal bureaucratic loop, where they can unlawfully deny my dispute without an actual investigation. 

FCRA Violation : XXXX U.S.C. XXXXi ( Section XXXX ) Failure to Conduct a Proper Investigation Experian is legally required to investigate all disputes fairly and accurately. Instead, they are intentionally categorizing my dispute incorrectly to justify an outright refusal to investigate, in direct violation of federal law. 

2. Illegally Requiring a Police or FTC Report to Process My Dispute Experian is knowingly misapplying FCRA XXXXB ( XXXX U.S.C. XXXX ), which only applies if a consumer explicitly claims identity theft. I have not done so. Their demand for a police report or FTC affidavit is completely unlawful and constitutes an intentional obstruction of my rights under the FCRA. 

FCRA Violation : XXXX U.S.C. XXXX ( Section XXXXB ) Fraudulent Charge Disputes Do NOT Require an Identity Theft Report Experian has no legal authority to demand a police or FTC report for a fraudulent charge dispute. By doing so, they are engaging in an illegal and deceptive practice designed to discourage and obstruct valid disputes. 

3. Intentional Delay Tactics and Failure to Investigate Experians actions are not only illegal, but they also demonstrate a pattern of willful noncompliance with federal law. By falsely claiming I must submit additional, unnecessary documentation, they are : Deliberately stalling the dispute resolution process Imposing illegal barriers to prevent resolution Failing to meet the 30-day statutory requirement under the FCRA FCRA Violation : XXXX U.S.C. XXXX ( a ) ( 1 ) Failure to Investigate Within the Required 30-Day Period Experians tactics amount to a knowing and willful violation of consumer protection laws.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-11 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
My information was stolen and CC were received by identify theft along with bank accounts and vehicle purchased. 
How can I get these off my credit report

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 2025-02-11 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: DC

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I wrote a check from XXXX Print and Fulfillment. Check No. XXXX XXXX XXXX XXXX. On XX/XX/XXXX. The numerical value was {$590.00} but the written amount was {$6000.00}. XXXX cash the check at her XXXX XXXX bank in XXXX XXXX CA. They deposited {$590.00} into her account. XXXX XXXX Bank said that they sent {$6000.00} To XXXX XXXX. I contacted XXXX XXXX XXXX Customer Service on XX/XX/XXXX. I was told that they would handle it. On XX/XX/XXXX they reimbursed {$5400.00} to the correct the situation. On XX/XX/XXXX without my knowledge they took the amount back. I have contacted the XXXX customer Service Bank, XXXX XXXX and many other at XXXX. Had been told that the money would be refunded. It has not. They told a Bank in XXXX had it. They do not XXXX has rechecked XXXX XXXX. They do not have it. XXXX told me they do not know where it is and it is my problem. 
I ask them to let me know where they transferred the money. So, I could check They have not. I have no way at this time to be reimbursed

Company response to consumer: Closed with explanation