vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Entry Request for Debt Validation Under 15 U.S.C. 1692g Re : XXXX XXXX Date of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Dear Sir or Madam, I am writing to formally dispute a collection entry on my credit report that has been reported by XXXX XXXX XXXX I am requesting that Equifax investigate this collection account and verify the accuracy of the information under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Items in Dispute : Collection Agency Name : XXXX XXXX LL Account Number : XXXX Date Reported : XX/XX/XXXXXXXX  Amount Reported : {$780.00} Legal Basis for Dispute ( 15 U.S.C. 1692g ) : Under 15 U.S.C. 1692g, I have the legal right to request validation of the debt that has been reported to the credit bureaus. Specifically, this section of the Fair Debt Collection Practices Act ( FDCPA ) states that when a debt collector reports a debt, they must provide validation of that debt upon the consumers request. This includes the following : The name of the creditor to whom the debt is owed. 
The amount of the debt. 
A statement that the consumer has the right to dispute the debt within 30 days of receiving the notice. 
Proof that the debt is valid and that the debt collector has the authority to collect on it. 
I have not received proper validation of the debt from the collection agency, and as such, I am requesting that Equifax verify the debt 's accuracy, including proof that the collection agency has the legal right to report the debt and collect on it. 

Request for Action : In light of the above, I respectfully request that Equifax : Verify the accuracy of the collection entry listed on my credit report.

Contact the collection agency and obtain the required debt validation as outlined in 15 U.S.C. 1692g.

Remove or update the collection entry from my credit report if the debt can not be validated or if there is any evidence of inaccuracy or improper reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against cash app ( block.inc ) due to indequate customer service and unfair practice. Which violates the CFPA. Specifically cash app failed to take timely and effective measures to address fraud on their platform.Leaving my account vulnerable and unprotected. Their dispute process was deceptive and unfair they didnt comply with error of resolution under efta and regulation E this cause a financial loss and inconvenience and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-01-24 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I purchased a service from XXXX XXXX XXXXXXXX, for makeup application services of three people for an upcoming wedding on XX/XX/year>. I was scheduled appointments for XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. After receiving my confirmation text message, I was told I would receive the service location address the day before the appointment. On the day before the appointment when I did not receive the location text message, I called the makeup artist on the number she provided on her website and received a message saying the phone was " not in service. '' However, on XX/XX/year>, I reached out to the merchant via XXXX at XXXX XXXX  to receive the location for services and she responded 23 minutes later. She was very rude and unprofessional and refused to give me the location. After speaking with her about 25 minutes before the first scheduled appointment for service, she refused service stating I could not book for three people. However, her website never mentioned a booking stipulation. I was charged a deposit for three people and gave appointment times for each one of us. She also stated on XX/XX/year> that she had availability for three people, which is why I booked with her. 
She refused services and canceled all three appointments stating she wasn't doing the service because it would cut into her other appointments. But my appointment time had not started yet. She refused to service my daughters and I ; and said she would not provide me with a refund. I explained to her that she canceled the appointment, not me. And I should be entitled to a refund. She stopped responding to my messages and she then blocked me on the social media site. I have disputed the charges with CashApp on several occasions only to be denied shortly after the dispute. I have asked on numerous occasions, what was the reason my disputes were denied, and I was told they didn't have any information to provide. I called their customer service line, where I was talked to very rude and hung up on. I called to speak with another rep and was told to redispute the charges. I have spoken with other consumers who have booked makeup services with the merchant and was told she participates in fraud and scams that take consumers ' deposits knowing she is not going to provide the services. CashApp did not protect me and I purchased service through her website with my CashApp card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-01-24 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: MO

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is inaccurate, 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 my disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBP 's recent administrative proceeding ( File No. XXXX ) against them for similar violation. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account that I've marked as inaccurate : XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor removed the errors from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX 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 XXXX, 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 XXXX has neither corrected nor 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There was accounts that werent supposed to be in collections because they were paid off but they were never taken away

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 2025-01-24 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX ; an auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX ; a utility account opened with XXXX XXXX on XX/XX/XXXX ; a collection account with XXXX, associated with apartment debt, opened on XX/XX/XXXXXXXX  ; a collection account with XXXX XXXX XXXX, assumed to be apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX XXXX, opened on XX/XX/XXXX ; two collection accounts with XXXX XXXX XXXX, one opened on XX/XX/XXXX, and the other on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, associated with apartment debt, opened on XX/XX/XXXX ; a collection account with XXXX XXXX XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, assumed to be associated with apartment debt, opened on XX/XX/XXXX ; and a collection account with XXXX XXXX, opened on XX/XX/XXXX. I have attached a list of the hard inquiries in question, along with a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or any of the hard inquiries reported. All of these items are the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Report ( # [ Private Case Number ] ) as proof from the U.S. Federal Trade Commission that the above accounts, collections, and hard inquiries are fraudulent. I respectfully request that you block the fraudulent information from my credit file within four ( 4 ) business days, as required by FCRA 605B.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NE

Complaint narrative:
Equifax has failed to fulfill it's 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 Equifax, 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 Equifax has neither corrected nor 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 Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

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 2025-01-24 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: KY

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 ( 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 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 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation