vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WA

Complaint narrative:
In XXXX of 2022 I was sent a cash app payment of XXXX from my daughter. The payment was to pay for a bill. When I processed to pay the bill the money was already taken from cash app. When I reached out to cash app I was told I made a transaction XXXX weeks ago and the money was never taken out of my account. However, that was not true, when I made the XXXX transaction the mom was taken immediately. I remember moving money over to pay for food after my XXXX visit. Yet cash app took money from me XXXX week later telling me it was for that transaction. That was it and my money was gone.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally will not provide a statement, they are locking me out of my auto loan account and will not fix any problems. They promise to fix said it was fixed but the account is not accessible and forcing me to pay high unnecessary fees

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian is avoiding my dispute letter to request a proper investigation into my credit report. I have sent dispute letters via mail requesting all negative accounts to be thoroughly investigated, but Experian sent emails stating my request does not appear to be sent directly from 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 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian is avoiding my dispute letter to request a proper investigation into my credit report. I have sent dispute letters via mail requesting all negative accounts to be thoroughly investigated, but Experian sent emails stating my request does not appear to be sent directly from me.

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 — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
The first time I realize they had already been taking from me, and the date was XX/XX/XXXX, my cashapp account information was changed like my email address and that account was at the time was linked to my XXXX XXXX account and it has taken place again in XX/XX/XXXX and XX/XX/XXXX when, XXXX XXXX XXXX account it was my XXXX weeks pay, and I once again again I got nothing back plus no got cut from the bank, and I still have access to some of the paperwork. every proof that I asked before I submitted it everything they ask me for I submit every document and the payment I receive XXXX

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: SC

Complaint narrative:
I recently reviewed my credit report on XX/XX/XXXX and found that I still have accounts reporting on my credit report fraudulently. The XXXX XXXX XXXX account # XXXX, opened XX/XX/XXXX XXXX {$1300.00} has been previously disputed through Equifax and XXXX personally. I have reason to believe investigations conducted have not been thoroughly conducted as only the balances on the debts have been updated and no validity of the debt has ever been produced by debt collection agency or credit reporting agency.Upon sending a letter to verify what debts that I allegedly owe, the address presented on all XXXX credit reporting agencies is a fictitious address as this company is just a sub corporation attempting to collect a debt for XXXX XXXX. There is now a XXXX XXXX account # XXXX opened XX/XX/XXXX XXXX {$2000.00} reporting fraudulently as well via same company. XXXX Account XXXX has recently been placed on my credit report balance {$530.00} and have never notified or communicated of any debt what so ever. These accounts are in violation of the FCRA and is a violation of 15 USC 1692g in particular. Please ( RE ) investigate these accounts as they are hindering my ability to obtain credit. These accounts violate the FCRA are subject to {$1000.00} per violation as well damages accrued in the process of insuring my credit report has been reporting fair and accurately for several months now. These damages would certainly fall under 15 USC 1692d with both debt collection agency and credit reporting agency being liable

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 transaction problem — 
Company: Block, Inc.
State: OH

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 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved into shadow ridge apartments XX/XX/year>. The first week i stayed there my heat did not work and the pipes were frozen from inside the unit. When i reached out to maintenance they told me it was nothing they could do and to keep the oven open to get warmth. Which was insane considering that apartment XXXX was not the apartment i originally signed my lease for. XXXX told me that the unit wasnt ready so i had to move into XXXX. Fast forward, the pipes defrosted and there was a leak from the water. Nothing drastic. Now XX/XX/XXXX comes and theres a leak in the unit above me. When i reached out to XXXX ( maintenance ) he told me it was condensation and to just let it dry on its on. The water had leaked through my walls, the laundry room was flooded. XXXX i got back, my whole apartment smelt like fish by the next day. XXXX came in and put a fan and dehumidifier in the unit to air out and sprayed air freshener. When i spoke to XXXX about it he mentioned that the apartment been had problems with mold really bad which is why it was sitting and no one moved into the unit. Before i could address the issue with the leasing agent who moved me into the unit, she was fired.I booked a trip to see my parents in May in Florida and when i came back my bathroom had black mold. I was only gone for a week. My parents came to the apartment and saw how bad it smelled and saw the mold as well. By the end of may nothing has been done, other than XXXX XXXX tried to send contractors out to paint kilz over the mold. There are photos as well. The whole moth XXXX i had to get hotels, go to XXXX and stay with my girlfriend. I ended up getting sick, tight chest, dry coughing etc. This had all come from the mold. I was told that i wouldnt have to pay for XXXX rent because i didnt stay in the unit. My rent was XXXX and they gave me XXXX days to move out. By XX/XX/XXXX i was out the apartment they had their keys but XXXX months late they put a balance on my credit report.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX  8/15/24

XXXX XXXX XXXX XXXX  08/15/24

XXXX XXXX XXXX XXXX 07/24/23 XXXX XXXX XXXX XXXX 7/24/23

XXXX XXXX XXXX XXXX 07/04/23

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

Complaint narrative:
Cash app took money that was sent to me and never put it back in my cash app wallet. They did this multiple times. I also tried to speak with someone but was not able to. Then all of a sudden they closed my account.

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: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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 and financial loss, and I seek for these violations. appropriate

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently need your assistance in resolving them.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are affecting my financial stability, and I urgently need your assistance in resolving them.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked for unauthorized credit check hard inquiries and anything thats hurting my credit that cant be proven of ownershipto 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I asked for unauthorized credit check hard inquiries and anything thats hurting my credit that cant be proven of ownershipto be removed

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 service problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formly express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was informed about a negative report on my credit history for an account that was closed from an institution that I have no knowledge of. I never received any bills., statements or delinquency letters from this institution. I have no knowledge who that is. The record is dated since XX/XX/year>

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: KY

Complaint narrative:
( 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 2025-02-01 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX # XXXX Account Name : 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I requested my credit report twice from the three credit reporting agencies. There was never any information supplied. On the scond attempt the only one to supply a report was Experian.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Never had this debt or knowledge of it sent that validation letter no response after XXXX days my identity was stolen police report made need to verify this debt it is causing financial problems due to being denied

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received and have in the past text messages on my cell phone that state I have an overdue account at XXXX. I received a text message on XX/XX/year> stating that I have an overdue account at XXXX which is at collections with XXXX XXXX XXXX. The message I receive states my name is XXXX. 
I have in the past contacted the Credit Bureaus on a fraudulent account that use to be reporting on my Credit Report coming from XXXX and placed a dispute in that account. 
This message I receive provides a hyperlink to see options related to this account, yet the name addressed in the message does not belong to me, XXXX.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I contacted chexsystems via telephone and usps mail letting them know I have viewed my chexsysts report and have noticed many unauthorized inquiries. I submitted an ftc report and disputed these inquiries formally. Chexsystems claims they have done and investigation but they have not. They have claimed that all data furnishers have also investigated all inquiries, but how can they know without any verification. I have supplied an ftc report and in the personal statement all inquires all listed PLEASE REMOVE THEM IMMEDIATELY

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