vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment CONNS - XXXX - {$5300.00} XXXX XXXX - XXXX - {$1800.00} =

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles handling 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TN

Complaint narrative:
XXXX, XXXX, and Transition reported inaccurate information when an allege debt is in litigation which is a violation of federal law XXXX XXXX XXXX  permissible purpose. everything the credit bureaus report, they must report accurate information. XXXX XXXX authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of XXXX XXXX complex processes related to the posting of transactions and whether they will incur an overdraft fee. 

XXXX practices and an overreliance on overdraft and non-sufficient fees are counter to the credit union systems statutory mission of meeting the credit and savings needs of their members especially those of modest means. XXXX XXXX member-owners have the right to know about any fees and practices that affect their hard-earned savings and credit unions owe it to their members to be transparent. The settlement with XXXX XXXX underscores the importance of ensuring fair and responsible treatment of consumers and protecting consumers from predatory business practices. 

The CFPB ordered XXXX XXXX XXXX XXXX to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the XXXX This is an external link to a website belonging to another federal agency, private organization, or commercial entity. victims relief fund ( Opens new window ).

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 2025-01-20 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: TN

Complaint narrative:
XXXX, Experian, and Transition reported inaccurate information when an allege debt is in litigation which is a violation of federal law XXXX XXXX XXXX permissible purpose. everything the credit bureaus report, they must report accurate information. XXXX XXXX authorize positive, settle negative practices and the subsequent charging of overdraft fees were not only unfair, but they also caused substantial harm to consumers. More overt, in many cases, consumers were charged an overdraft fee completely unaware of XXXX XXXX complex processes related to the posting of transactions and whether they will incur an overdraft fee. 

XXXX practices and an overreliance on overdraft and non-sufficient fees are counter to the credit union systems statutory mission of meeting the credit and savings needs of their members especially those of modest means. XXXX XXXX member-owners have the right to know about any fees and practices that affect their hard-earned savings and credit unions owe it to their members to be transparent. The settlement with XXXX XXXX underscores the importance of ensuring fair and responsible treatment of consumers and protecting consumers from predatory business practices. 

The CFPB ordered XXXX XXXX XXXX XXXX to pay more than {$80.00} XXXX to reimburse members and a {$15.00} XXXX penalty to the XXXX This is an external link to a website belonging to another federal agency, private organization, or commercial entity. victims relief fund ( Opens new window ).

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 2025-01-20 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: Recreational Holdings Corp.
State: CT

Complaint narrative:
XXXX / XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra XXXX XXXX XXXX by reporting this transaction or experience on my Consumer Reports they have XXXX calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character XXXX. Negligent Non - Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( XXXX XXXX XXXX  in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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. Their dispute process is unfair and deceptive and have charged me inaccurate fees with a business account. They did not take effective or timely measures to protect my account and information. These actions have caused significant inconvenience and financial loss. I seek appropriate measures for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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 2025-01-20 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: PA

Complaint narrative:
I sent over my complaint to the cfpb and to Experian and never heard back and all of the items is that I dispute is still there

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 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute the following information on my credit report, which I believe is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX. 
Account Information to Dispute Creditor Name : XXXX XXXX XXXX Account Number : XXXX Disputed Information : charge off Date of Entry : XX/XX/year> The information listed above is incorrect for the following reasons : This creditor does not have this debt any longer. They gave it over to XXXX XXXX XXXX XXXX and I do not have a contract with this collector. 
Under the provisions of the FCRA, specifically XXXX XXXX XXXX XXXX, and XXXX. XXXX XXXX I request that this dispute be investigated within the 30-day timeframe required by law. I also request that any inaccurate information be corrected or deleted as appropriate. Failure to properly investigate or rectify the issue may constitute a willful violation of the FCRA, which may result in penalties as outlined under XXXX XXXX XXXX XXXX. and XXXX XXXX Enclosed are the supporting documents I am providing for your review : Current Creditor Letter Please send me a written response confirming that the dispute has been resolved, and if corrections have been made, I request that an updated copy of my credit report be provided. 
I look forward to your prompt resolution of this matter. 
Sincerely,

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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
fraudulent claims to the CFPB have been reported by the company in response to my complaint. The company stated ( they sent several emails to me with billing statements ) after i accused the company of never sending correspondence to me of the transferred account. Which made it impossible to pay the account because new account number was withheld. So I double and triple checked all my emails all email addresses. Im sure to never received a email after checking my emails. I contacted company asked the representative what was the email they had on file for me? they could not provide it to me, I then requested for receipts of the sent emails to just make sure they were in fact delivered to the correct email address, But they refused provide such information after submitting to CFPB that they did so. Im sure This company has is committing unethical tatics and making false claims to obtain and collect a debt. I am requesting for a proper investigation to be conducted. That it is against the Law to not do under such circumstances. That the company please release and provide the receipts of correspondence they say they have already made to the consumer, such as the emails and letters that was stated I the response Being as though the law requires for it to have been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate, customer, service, and unfair practices, which violates the Consumer Finance Protection Act ( CFPA ). Specifically, Cash App failed to take a 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 era resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
tried to check balance by logging into XXXX It is {$100.00} gift card given to us on XXXX ( not sure my or son 's ). we usually keep all cards together and then try to use when in need. we don't keep account of who gave, and many times person who gives gift card is anonymous, they don't write their name. 
I called XXXX and they are asking me to load my information such as DL or call and check with person who gave gift card or provide receipts. I tried to explain that when I give gift card, we don't give receipts such put card on the envelope and the gift it. 
Used so many gifts card but never came across where I need to provide my personal information to use gift card gifted.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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, financial loss, and a breach of my data and information, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXX  ) that you, the 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 everything mentioned in the resolution section of this complaint. 
These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint in previous complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

What would be a fair resolution to this issue ) : I request, pursuant to FCRA XXXX XXXX XXXX XXXX XXXX ), that you block/REMOVE all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address associated with this complaint. 

Since it was stated the account was " verified, '' in previous complaints.I will like to know the Method of Verification ' and exercise my rights under FCRA XXXX ( XXXX XXXX. XXXX ) which forces you to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information used in order to retumn a " verified '' response to the initial CFPB complaint or delete all contested items in the initial CFPB complaint/FTC 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 2025-01-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 everything mentioned in the resolution section of this complaint. These accounts have resulted in several fraud
ulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint in previous complaints as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block/REMOVE all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address associated with this complaint.

Since it was stated the account was " verified, '' in previous complaints.I will like to know the Method of Verification ' and exercise my rights under FCRA 611 ( 15 U.S.C. 16811 ) which forces you to reinvestigate the items in the initial CFPB complaint and either verify the SOURCE of information used in order to retumn a " verified '' response to the initial CFPB complaint or delete all contested items in the initial CFPB complaint/FTC report .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: GA

Complaint narrative:
My vehicle was repossessed after I made a payment per our agreement and I have not been able to retrieve my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am writing to formally express my corners regarding Zelle 's handing of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my clams adequately. They informed me that recovering lost funds was impossible and that tracking these transactions and unfeasible. The CFPB 's findings indicate that XXXX 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