vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I paid off a debt with a 3rd party coming that was not reported to the initial and rightful company so o continue to owe the first party company a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I accidently sent money to wrong person via Zelle amd did not receive a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX. You can use this address Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian and Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased tickets for the XXXX event scheduled for XX/XX/XXXX through XXXX. I received the tickets on the day of the event, but when I attempted to use them around XXXX XXXX, they did not work, and I was denied entry. 

Details of the Incident : Date of Purchase : XX/XX/year> Event Date : XX/XX/year> Issue Experienced : The tickets were invalid when I tried to use them at the event around XXXXXXXX XXXX 
Actions Taken : I immediately contacted XXXX customer support for assistance, but they were unable to resolve the issue. 
On XX/XX/year>, I reached out to my bank to dispute the transaction and request assistance. 
Since then, the bank has provided vague responses, stating that it takes up to 90 days to resolve such matters and that they will not offer a provisional credit for this type of case. 
It has now been over a month since the purchase, and despite multiple follow-ups, I have not received any clear updates, resolutions, or temporary credit while the investigation is ongoing. 
Outcome Im Seeking : I am requesting a full refund for the invalid tickets, a clear explanation of why the issue occurred, and an update on the current status of my case. Additionally, I would appreciate transparency from both XXXX and my bank regarding the dispute process and an explanation of why provisional credit is not being provided in this situation. 

Thank you for addressing this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-04 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

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 2025-02-04 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late/Open Late Late 120 Days Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Late/Open Late Late 120 Days Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-04 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: NJ

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2025-02-04 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: NJ

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to dispute an account on my credit report that I believe has not been properly verified. The details of the account are as follows : Creditor Name : Portfolio Recovery Associates , LLC Account Number : [ Provide the account number or the last few digits if available ] Balance : $ [ amount ] Under the Fair Credit Reporting Act ( FCRA ), you are obligated to report only accurate and verifiable information. I request that you provide validation of this debt, including the original signed agreement or contract that substantiates this debt belongs to me. If you can not provide such documentation, I ask that this account be removed from my credit report immediately.

Please complete this investigation within the 30-day period as mandated by the FCRA and inform me of your findings in writing.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX, GA XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-04 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: NV

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for failing to comply with the XXXX  Victims Protection Act ( XXXX  ) and the Fair Credit Reporting Act ( FCRA ) regarding the removal of fraudulent accounts from my file. 

I am a victim of XXXX  XXXX, and my identity was fraudulently used to open financial accounts without my knowledge or consent. Specifically, the account with XXXX XXXX XXXX XXXX is the result of fraudulent activity, and I have provided all legally required documentation to Experian to request the immediate blocking of this adverse information. 

Legal Basis for My Request Under the XXXX  Victims Protection Act ( TVPA ) and FCRA, credit reporting agencies are legally required to remove or block negative information that results from XXXX-related identity theft when provided with : A police report or law enforcement documentation confirming the fraudulent activity. 
An identity theft report filed with the Federal Trade Commission ( FTC ). 
A written request from the victim stating that the adverse information resulted from XXXX  XXXX. 

I have already submitted all necessary documentation to Experian, including : A police report verifying that the fraudulent account was opened without my authorization. 
A Federal Trade Commission ( FTC ) identity theft report documenting the fraudulent activity. 
A formal written request demanding the removal of all adverse information related to this fraud. 
Experians Non-Compliance & Violation of Federal Law Despite providing all legally required documentation, Experian has failed to : Investigate and block the fraudulent account within the legally mandated timeframe. 
Comply with the FCRA and XXXX, which require immediate removal of fraudulent data when sufficient proof is provided. 
Prevent further harm to my financial stability by allowing this fraudulent account to remain on my file. 

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal law.

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 2025-02-04 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: MI

Complaint narrative:
I am filing 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 accurate, 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 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 CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. 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 accounts that are marked as accurate XXXX XXXX XXXX XXXX reported balance {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX i emailed cash app asking for.my refund that I really need the money to XXXXXXXX XXXX cashapp the first response I received was an automated message then I reply to that email and got another automated email reply only the last time the automated system had said my name is XXXX same message the automated reply had. I thought this was to help the victims automated reply doesnt help the victims. I still don't have my provisional credit from a claim I filed on XX/XX/XXXX. Cash app customer service rep already told me it wasn't enter incorrectly but they never try and correct the problem just say it will.be 10 days from the date the claim was add well I have proof it should have been added XX/XX/XXXX tried telling the customer service rep on chatted and she said you will hear something on XX/XX/XXXX which i didn't because it was not enter incorrectly. Customer service always said it has been escalated but it will take them 10 days no sooner will hear from cash app. They have not changed any processes still denied my claim I didnt authorized someone to use my cash app.account it wasnt my debit card. Cash app needs to start refunding customers and quit plating with them. We the consumers have been hurt enough and they sre not even trying to make up for it. Cash app today is the same as cash app was yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TX

Complaint narrative:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

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 2025-02-04 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: NY

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

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