vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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:
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 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Texas Attorney General Is Purporting To Be A Bonafide Debt Collector, To Public Reporting Agencies, Such As ... ... ... ... ... Trans Union, XXXX, XXXX, Which Violates ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... Fair Debt Collection Practice Act 1692 ( e ) Title 15 U.S.C.1692 ( 1 ) ( 2 ) ( B ) ( 7 ) ( 10 )! Also I have documented proof of sending the ( Attorney General ) A Check For {$7000.00} From Prior Bank Account ( XXXX. ) Where I withdrew {$6500.00} To Pay A Debt To XXXX XXXX, On Or About XXXX. As Well {$700.00} Was Sent To Attorney General From XXXX XXXX. The

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 2025-01-21 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 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 specifically, cash app failed to take timely and effective measure to prevent and address fraud on their platform, leaving and up 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called the XXXX XXXX asking them how is that, this old account is allowed to reappear back on my credit reports, That said I need to contact Capital One, and file a dispute on that account again, I have been highly XXXX, I trying my best to build credit to buy my first home, and the credit bureau hit my credit reports, XXXX time in XXXX month, for no reason, I am not using any of my credit cards, in months because I`m trying to move forward.

to whom it may concern would please get on them about lower my credit score, for no reason. I no the CFPB took XXXX to court and won that case, The Presidents year after year do not anything to say about the XXXX credit bureaus that set people back life, all XXXX need a upgrade. 
I Thank you for you support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Problems sending money in my account was late paying bilsd or getting money to family members at the right time that was needed

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 2025-01-21 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: NC

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 information 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing. Iam 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 2025-01-21 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: TN

Complaint narrative:
Account Number : XXXX XXXX I am writing to formally dispute inaccuracies in the information reported on my credit file for the above-referenced account. Upon reviewing the details provided by your bureau and comparing them to other credit reporting agencies, I have identified several inconsistencies and concerns that require immediate investigation and correction. 

Account Details : The account is inconsistently listed as " Revolving Account '' by TransUnion and " Charge Card '' by XXXX. Please verify and confirm the correct account type. 
The payment status is reported as " Charged off as bad debt '' by TransUnion and as " Charge-off '' by XXXX. These discrepancies need reconciliation. 
Credit Limit and Balance : Both TransUnion and XXXX report a credit limit of {$1800.00}, which is accurate. However, XXXX does not list the high credit amount ( {$2200.00} ) reported by TransUnion. Please confirm the accurate high credit amount and update accordingly. 
Comments : TransUnion includes the comment " Purchased by another lender, '' whereas XXXX provides no such detail. Please confirm and include this information if applicable. 
Last Reported and Date Last Active : TransUnion reports " Last Reported '' as XX/XX/year> and " Date Last Active '' as XX/XX/year>, while XXXX lists " Date Last Active '' as XX/XX/year>. These discrepancies should be investigated and corrected to ensure accuracy. 
Additional Concerns Regarding XXXX 's Investigations : Given the ongoing legal scrutiny concerning XXXX 's inadequate dispute investigation practices, I strongly urge your bureau to ensure this investigation is conducted with the utmost diligence. Accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) are paramount in this matter. 

Requested Actions : Investigate the discrepancies noted above by contacting the original creditor or any applicable third parties. 
Correct the inaccuracies and ensure the account details are consistent across all bureaus. 
Provide me with a detailed summary of your investigation process, including the evidence used to verify the reported information. 
Under the FCRA, you are required to ensure that all information on my credit report is accurate, complete, and verifiable. Please address this dispute within the legally required timeframe of 30 days and provide a resolution promptly. 

If you require any further information to process this dispute, please contact me at [ XXXX XXXX XXXX ]. 

Thank you for your prompt attention to this matter.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 ta timely and effective measures to prevent a 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 an financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I keep getting calls from this place but i have no idea what this debt is. It has to be identity theft. I never applied for or got this money ever. I have no idea what they are talking about and they have sent it to collections. 
DRS Original creditor : XXXX  Balance details 0 % paid off Balance {$2600.00} Balance updated XX/XX/XXXX Original balance {$2600.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 

Your statement Contact info Name DRS Address XXXX, NY XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
My account is currently locked for online banking, and I need assistance to unlock it and transfer the existing funds to my XXXX bank account. 

I was an XXXX XXXX during XX/XX/XXXX- XX/XX/XXXX and no longer reside in America. Additionally, XXXX XXXX XXXX XXXX American citizen and do not have the American phone number previously linked to my account. I called up Bank of America in the later part of XXXX to customer service, They where unable to verify my Identity as I do not have the American mobile number linked to my account nor did I have my International XXXX number linked the account. 

Their advice was to just keep calling to try get another security question but after 10 attempts I still am asked for my authentication via the app or mobile number. They have been unhelpful in directing me to a department that can deal with international banking issues. Their other suggestion was to " Just go into a branch '' This is completely unreasonable as I do not live in the country, XXXX XXXX XXXX XXXX XXXX of the United States ( would require applications of visa/very large expensive to travel ) and Bank of America does not have any consumer office in XXXX. 

It is my understanding that the cause of the account lock was an attempted international transfer to my XXXX Bank account ( XXXX ) As I now reside in this country long term. I attempted this transfer on XX/XX/XXXX to XXXX bank but I did this without the knowing that there was a 3 day waiting period for International transfers to this bank.

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 2025-01-21 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: GA

Complaint narrative:
Under 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1681c-2 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 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
I am filing a complaint against Cash A

pp ( 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 a
ctions 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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dispute of Debt Reported by Collection Agency for Account Now Owned by Another Company I am writing to formally dispute the reporting of a debt that is being handled by a collections agency, but I believe the account is now owned by a different company. This is creating an inaccurate representation of my credit history, and I request your assistance in resolving this matter. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Under the FCRA 15 usc 1681 these should be removed. 

Account Information : Original Creditor Name : XXXX XXXX XXXX  XXXX. 
Collection Agency Name : Midland Credit Management Account Number : XXXX Reported Balance : {$650.00} Original Debt Amount : {$0.00} I believe the following issues are present with the current reporting of this account : 1. Ownership of the Debt : The debt is no longer held by the collection agency listed on my credit report. It has been sold or transferred to another company, and I believe the collection agency no longer has legal standing to report this debt. 
2. Failure to Update Account Information : The reporting collection agency has failed to update the credit bureaus to reflect that the debt is now owned by another company, which is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ). 
3. Discrepancy in Debt Ownership : I have documentation ( attached ) showing that the debt was transferred or sold to another creditor, and the collection agencys reporting of this account is therefore incorrect. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected or removed from my credit report. Therefore, I am requesting that the CFPB investigate this matter and ensure that the credit reporting agency corrects the account information to reflect the current creditor and accurately report the status of the debt. 

Supporting Documents Attached : 1. Proof of Debt Transfer/Sale ( such as a letter or statement from the current creditor showing the debt transfer or sale ). 
2. Credit Report showing the disputed account and Original debt charged off.

3. Any additional relevant documentation that supports my claim. 

I respectfully request that you review this dispute and ensure the inaccurate reporting is corrected. Please provide me with confirmation once the investigation is complete, and the necessary corrections have been made to my credit report.

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

Complaint narrative:
I have a XXXX debt on my credit report that was legally discharged via IRS Form 1099-C in XXXX. Since then, I have filed multiple disputes with Experian regarding this discharged debt. Despite providing documentation of the 1099-C discharge, Experian continues to report this debt as active. Each time I dispute, they respond only with 'debt has been verified ' without providing any documentation or explanation of their verification process. This practice violates the Fair Credit Reporting Act, which requires credit bureaus to conduct reasonable investigations and provide results of their findings. They have failed to properly investigate or validate this debt, and have not addressed the specific evidence I provided regarding the 1099-C discharge. The continued reporting of this discharged debt is causing harm to my credit profile and financial standing.

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 2025-01-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute for Inaccurate Reporting of XXXX  Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my XXXX  loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation. 
The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a 35-day late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late. 
Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly. 
Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information. 
15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within 10 business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$550.00} Open Date XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$120.00} Open Date XX/XX/XXXX inquiries XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Deletion of Paid and Closed Account Due to Negative Impact on Credit Score Dear XXXX XXXX XXXX  XXXX XXXX I am writing to dispute the information reported regarding my account with your bank. This account, opened on XX/XX/XXXX, has been paid off and closed, with a XXXX balance. However, despite the account 's closure and balance resolution, it continues to be reported as affecting my credit score, which is an unfair and incorrect representation of my credit history. 

Reported Balance : {$0.00} Account Status : Paid and Closed Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Amount Past Due Reported : XX/XX/XXXX This account is continuing to negatively impact my credit score, even though there is no remaining balance and the account is closed. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be completely removed from my credit reports due to the fact that it is inaccurately reflecting a past-due status and harming my credit. 
I kindly request that you promptly delete this account from all credit reporting agencies. Please provide proof of its removal within 30 days, as the current status is severely affecting my credit score and hindering my financial progress. 
I look forward to receiving confirmation of this removal in writing within the stipulated time frame. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation