vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX is not communicating I have left numerous messages and contacted them multiple times My XXXX XXXX XXXX XXXX XXXX is not showing up online and I am not getting my XXXX XXXX XXXX XXXXXXXX  from XXXX they are not updating my account information whatsoever I am tired of contacting them I am tired of being on hold I am tired of talking to somebody who's in XXXX. I have got a case numberRe : XXXX  : case number escalation XXXX. Numerous times I'm trying to get my XXXX XXXX  and XXXX XXXX from XXXX but something is wrong at their end and I'm not able to get access I'm tired of contacting them. The error message keeps saying XXXX has not been able to update your has no credit history for you XXXX has no credit history for you how's this XXXX possible. They are messing up my credit history they're supposed to keep track of all my credit history why is it saying XXXX has not updated my credit history since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I saw a charged on my capital one card that I did not authorized. I called capital one and notified them I did not authorized this charge from XXXX XXXX  A fraud was put in and an investigation was started. I received a letter on XXXX XXXX stating a new card was mailed to me and to make sure I activate it when I receive it and destroy the old card. I have not received a new card to activate. I called capital one on the XXXX of XXXX to let them know I have not received the new card. The person XXXX said it was mailed call back in a day if I have not received the card. I called back the next day on the XXXX to let capital know I have not received the new replacement card my payment is due on XX/XX/XXXX I am being showed online that I have a new card I have not activated the new card because I have not received it yet. This agent XXXX was saying to make the payment but I have not received this card. She said it was mailed I asked do she have a tracking on it to see where it is she said no. XXXX have helped me and I am not paying something I have not received. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: IN

Complaint narrative:
CASHAPP DID NOT HAVE LIVE CUSTOMER SERVICE REPS AVAILABLE FOR ME. THEY ALSO HAD FAKES ONES THAT RECEIVED MY PERSONAL INFORMATION WHEN I CALLED IN AND MY PERSONAL INFO WAS INCLUDED IN DATA BREACHES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
Equifax continues to all XXXX XXXX to report incorrect data on my credit report. They have placed my credit card as a charge off. Instead of delaying payments as discussed. They are also reporting a past due amount as well which is a violation. This is a violation of my consumer rights. I demand that the accounts be deleted off my credit reports Immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
( XXXX XXXX ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( JEFFERSON CAPITAL ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc.
State: OK

Complaint narrative:
I have been receiving debt collection notices from banks, debt collectors, and medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
So I would like to have a complaint for many credit inquiries by car dealerships and other institutions, where I did not authorized ran my credit and now all of that is affecting my entire credit report because there are around 33 inquiries. I went to a couple dealerships where they HAVENT REQUEST MY AUTHORITY to run my credit and now its bad because of that. I would like to have a help with this since I have a home buy goal and this inquirys are stoping me to achieve it. Please help me out

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
My credit score was hit hard and when I checked I noticed an account was opened with current the app/company. 
I immediately reached out to them and told them I did not open the account and go close it immediately. They said the closed it after and then I disputed the account that was on my credit, I received an unknown status on my dispute. So when I reached out to XXXX they said it was an accurate account. The current company reached out to me asking if I disputed the account and I told them what happened that I did not open the account and disputed it. And then they did not reply to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
On XX/XX/year> I advised EXPERIAN that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my EXPERIAN credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me.

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; EXPERIAN is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, EXPERIAN has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), EXPERIAN may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent. 

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached EXPERIAN Credit Report dated XX/XX/year> Report XXXX XXXX XXXX. XXXX Account XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number - XXXXXXXX XXXX XXXX XXXX XXXX  Account Number - XXXX Additionally, notice was given to EXPERIAN, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, XXXX XXXX XXXX, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).

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 2025-02-02 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am filing this complaint against XXXX for reporting inaccurate and false information to the credit bureaus, which has resulted in my inability to open a bank account. Despite my efforts to dispute this information, it remains on my record, causing financial hardship. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX corrects or removes the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency TransUnion Consumer name : XXXX XXXX XXXX Social Security Number : XXXXonsumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 credit card XXXX XXXX XXXX {$300.00} opened XXXX, also inquiries XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: SC

Complaint narrative:
I am filing a complaint against Experian for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's 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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I have marked as inaccurate : 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 2025-02-01 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: OR

Complaint narrative:
The credit bureau indicated that they investigated and verified the information they were reporting was correct. That is not true!

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Finance 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 2025-02-01 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.

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 five 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX a new device was added to my account and whoever it was took XXXX from my account and i reach put to customer servics sending multiples emails and complanit about my concern.

Company response to consumer: Closed with explanation