vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have received a copy of my credit report and there is inaccurate personal information on my report. There are several incorrect personal identifiers listed in my credit file and I am requesting that any information that is not completely accurate be removed. I am very concerned that the information that is being incorrectly reported may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct first and last name is XXXX XXXX. I have no other requisite reported names or aliases. I want all other versions of information similar or alleged as being my name removed from my credit report. 

My current correct address street number , street name, city, state is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I want this information updated in my file and to reflect ONLY my above mentioned true accurate undeniably valid current correct address and any other reporting addresses that are not exactly as I have submitted above removed. The other addresses are not deliverable to me by the U.S. Post Office and not reportable as per the FCRA section 623 since they are not yet proven accurate. 

I want all alleged employers that are listed on my report removed. 

My current phone number is XXXX. I want all other phone numbers removed from my report, otherwise I want proof provided that they have verified them to be completely accurate and perfectly factual. 

I do not authorize you to retain or report any not requisite reported, not certified complaint, potentially outdated, potentially inaccurate, and or otherwise unverified even invalid alleged personal identifier information. 

In accordance with consumer protection laws, I request that these noted items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified complaints and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of the receipt of this complaint per law 15 USC 1681i ( a ) 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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have received a copy of my credit report and there is inaccurate personal information on my report. There are several incorrect personal identifiers listed in my credit file and I am requesting that any information that is not completely accurate be removed. I am very concerned that the information that is being incorrectly reported may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct first and last name is XXXX XXXX. I have no other requisite reported names or aliases. I want all other versions of information similar or alleged as being my name removed from my credit report. 

My current correct address street number , street name, city, state is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I want this information updated in my file and to reflect ONLY my above mentioned true accurate undeniably valid current correct address and any other reporting addresses that are not exactly as I have submitted above removed. The other addresses are not deliverable to me by the U.S. Post Office and not reportable as per the FCRA section 623 since they are not yet proven accurate. 

I want all alleged employers that are listed on my report removed. 

My current phone number is XXXX. I want all other phone numbers removed from my report, otherwise I want proof provided that they have verified them to be completely accurate and perfectly factual. 

I do not authorize you to retain or report any not requisite reported, not certified complaint, potentially outdated, potentially inaccurate, and or otherwise unverified even invalid alleged personal identifier information. 

In accordance with consumer protection laws, I request that these noted items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified complaints and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of the receipt of this complaint per law 15 USC 1681i ( a ) 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TN

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 2025-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I filled-out an application in order to adopt a puppy. From petland I was approved for XXXX with XXXX deposit. 
So I paid XXXX deposit and was told that The payoff would be XXXX after the deposit. Was made? I was not told that I would be charged every month. 35.9 % interest and that my {$200.00} payment. A month, only {$47.00} would go toward the principle of the loan. 
That makes the payoff over {$12000.00} on a XXXX loan in order to adopt my puppy. I do not feel that this is fair. I feel that this is very illegal i found out after I had signed the contracts and made my first payment. I seen that they only deducted {$47.00}. They didn't even take off my XXXX. The {$100.00} deposit that I had originally made When I called them, they told me that the {$47.00} would go toward The principle and that's remaining goes towards the interest every month i am enclosing. 
The payment amount. They are charging me every month and also a picture of how they only took off {$47.00}. After I made a payment of XXXX They only deducted {$47.00} off my balance. Nobody can afford to pay {$12000.00}. 
That is. Over twice the amount of the puppy please look into this. I really feel that this is illegal. Nobody can pay off {$12000.00} on a {$4500.00} loan. And nobody would agree to that if I would have known that in the beginning, if petland would have explained that to me, I would never have signed a Contract when I notice the discrepancy where it shows that I only paid {$47.00}. I called the bank and the bank told me. Yes, the XXXX that I paid XXXX went to the principal and the rest went toward interest, and that I was being charged interest on this 35.9 % every month. So every month, only {$47.00} would go toward the purchase of my puppy, while the rest would go toward the bank for interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Late payment Date : XXXX, XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-01-18 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: TX

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Transunion. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account name : XXXX XXXX Account number XXXX Late payment Date : XXXX, XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Transunion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-01-18 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 ( 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 28.financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX, XXXX, and TransUnion are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX, Equifax, and XXXX are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 2025-01-18 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: NJ

Complaint narrative:
I am writing 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 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 2025-01-18 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: CA

Complaint narrative:
I am writing 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 infeasible. The CFPBs 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against cash app ( block Inc ) due to an adequate Customer Service an unfair practices. Which violate the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective matters to prevent fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive. As they did not comply with error resolution requirements. Under the electronic transfer fund act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss.I I seek appropriate address for these violations.

Company response to consumer: Closed with explanation