vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit?

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' checking accounts. Capital One misrepresented the 360 Checking account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Checking account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for inadequate customer serv

ice and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution. requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report has been shared without my permission. Can you resolve this matter as soon as possible 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 explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am being billed for a charge of {$340.00} that I do not owe. I contacted Equifax to investigate and instead of them correcting it, they " acted '' as if they were conducting an investigation and did absolutely nothing because it still appears on my credit profile and has negatively impacted my credit score. My score has dropped by XXXX points due to this erreonous charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Chelseamac, LLC dba Briteside Solutions
State: NJ

Complaint narrative:
I enrolled in BriteSide Solutions because I was promised credit repair and debt forgiveness/relief. I paid over {$250.00} per month for 2 years with this company just for no debt to be resolved and XXXX of my accounts have gone to court with the threat of wage garnishment. so now not only do I still owe all of the debt but Im out thousands of dollars to this company that easily couldve gone towards paying down the debt when I previously had a 100 % payment history

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: Self Financial Inc.
State: NV

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. Account Name/Number : Self XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Keeping inaccuracies on my credit report without fully investigation Violations : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees.

Requested Actions : I hereby request the following : That [ Credit Bureau Name ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. 

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ). 


Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted. 

Supporting documentation, including [ proof of payment, correspondence with the creditor, etc. ]. 

A copy of my identification and proof of address to verify my identity. 


Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights.

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ). 

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
I am a filing a complaint against equifax for failing to properly investigate my disputes with inaccuracies in my credit report. Despite my submissions equifax consistently reported under 24 hours no changes to my report. This practice violates the fair credit reporting act. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint. I am submitting an FTC Identity Theft Affidavit ( FTC Complaint XXXX XXXXXXXX ) as evidence of the fraudulent activity. Specifically, I am reporting four fraudulent accounts, including two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which have resulted in unauthorized late payments appearing on my credit report. I also request the removal of prior employer information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of these fraudulent accounts, collections, late payments, and charge-offs from all consumer credit reports and the cessation of any related collection activities. This request must be completed within four ( 4 ) calendar days of receipt of this affidavit to avoid further action, including legal recourse or complaints to regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NV

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit report, I identified the following incorrect items that violate my rights under the FCRA : Disputed Items : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The inaccurate reporting of this information constitutes a violation of the following provisions under the FCRA : 1. 15 U.S.C. 1681i ( a ) : The credit bureau is required to conduct a reasonable reinvestigation of disputed information within 30 days. I expect a full and proper investigation of the information I am disputing.

2. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of information included in consumer reports. The continued reporting of inaccurate information violates this provision.

3. 15 U.S.C. 1681c ( a ) : Certain outdated or obsolete information, such as accounts beyond the statute of limitations, should no longer appear on my report. Please ensure compliance with this section.

4. 15 U.S.C. 1681n and 1681o : Any willful or negligent noncompliance with the FCRA entitles affected consumers to pursue damages, including actual damages, statutory damages, and attorney fees. 



Requested Actions : I hereby request the following : That [ Equifax, XXXX ] conduct a thorough investigation of the disputed information. 

That all inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report. 

That I receive a written response detailing the results of your investigation as required by 15 U.S.C. 1681i ( a ) ( 6 ).

Supporting Documents : To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed items highlighted.

A copy of my identification and proof of address to verify my identity.

Notice of Escalation : Failure to address this matter appropriately may result in additional legal action or a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681p for enforcement of my rights. 

I expect this investigation to be completed within the statutory timeline of 30 days ( or 45 days if I am notified of an extension due to additional information ). 

Thank you for your prompt attention to this matter. Please contact me directly if further information is needed. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Trying to add bank to my XXXX e d d for direct deposit of my check. Will not let me.

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 2025-01-26 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: CA

Complaint narrative:
XXXX and experian violated my right under usc.1681c ( b ). Again they both failed to ensure the accuracy of my information and this is not in compliance of the FCRA. I am requesting that all information contained in these reports to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-26 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I XXXX XXXX victim of identity theft. i XXXX XXXX am victim of identity i have never applied for any credit with Barclays. barclays is listed as authorized user which i didnt authorized. i have already spoken with them they stated to reach out to credit reporting agency these needs fi be removed from my credit report. als o the inquiry for XXXX XXXX XXXX XXXX barclays XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is not mine these inquires are fraud and need ti be removed

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 2025-01-26 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: NM

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 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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have this checking account with Wells Fargo bank since XXXX  Ive been charged a lot fees different types of fees and surcharge now all of the sudden after all these years theyve decided to change my account to a different type of checking account without my 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 explanation
Consumer complaint received 2025-01-26 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: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i did want or take these actions. company did this own there own without my consent or knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Report number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate 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 an 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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NV

Complaint narrative:
I XXXX XXXX have been getting withdrawals and unexpectedly and unusually transactions out of my account that I didn't Authorize nor Make myself., However XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In varies Share Amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: AL

Complaint narrative:
I loaded XXXX onto my cash app account. 
I was never able to recover them call Cash app to get assistance to get my money back I even called my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion Credit Reporting Agency to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), the immediate blocking and removal of fraudulent information appearing on my consumer credit report. This information includes four fraudulent accounts resulting from identity theft and fraud, specifically two XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Attached is FTC Identity Theft Affidavit XXXX XXXX as proof of these fraudulent activities. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand the removal of these fraudulent items and cessation of all related collection activity within four ( 4 ) business days of receiving this complaint to avoid further legal action or regulatory escalation.

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 2025-01-26 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: DE

Complaint narrative:
Please check the information that TransUnion is providing inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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