vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has failed to take timely and effective measures to prevent and address fraud on its platform, leaving my account openly 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 inconveniences and various random financial losses not in my cause or control, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: SC

Complaint narrative:
I asked for a debt validation and recieved no response from XXXX XXXX XXXX ref # XXXX in the amount of {$6600.00}. Now I Have Unifin trying to collect on the same debt. The XXXX ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
i received another solicitation from XXXX and zell and i am receiving unsolicited credit offers for autos, and im am being tracked and harassed every single day by " early warning llc. i have opted out of all credit products years ago. all of these entities indicate a relationship with early warning llc. i have no business relationship with early warning and never will. i want all of my personal information deleted from your systems, and i want you to STOP tracking me like im some sort of tagged animal. im a human, and you are violating my human rights. i dont want your XXXX FRAUDulent zell  XXXX or treasury bonds. they are fraud and worth XXXX. you are doing bankruptcy fraud. criminal XXXX. XXXX YOU! STOP XXXX CONTACTING ME AND HARASSING ME! ALL FURTHER COMS NEED TO GO THROUGH XXXX XXXX  XXXX! XXXX YOU! XXXX OFF! IM NOT INTERESTED IN YOUR SETTLEMENT. XXXX XXXX. FRAUD. YOU ARE GOING TO PRISON. additionally, you XXXX  have been targeting members of my family. it is disgusting. Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX

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

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 XXXX financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I get a direct deposit from my pay for {$1900.00} every XXXX weeks. Its been like this for years. This week it did now show up. I waited XXXX days and called capital one to file a complaint. XXXX days later STILL no deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several items disputed across all three credit bureaus that were not deleted and also werent given any proof of ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: 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 cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I have contacted Equifax multiple times regarding your failure to properly investigate a XXXX closed account that continues to be reported inaccurately on my credit report. On XX/XX/year>2025, I provided detailed reference to relevant USC codes and evidence indicating that Equifax disregarding the federal law in this matter. Additionally, I am aware that Equifax is not fully complying with federal laws governing consumer credit information. Despite my repeated communications, you have failed to properly re-investigate the XXXX account in question, which is currently reported as 30 days late. Your recent notification stated that the account has been verified as accurate, but no supporting documentation has been provided to confirm this claim. 

As this lack of compliance violates my rights under federal law, I am requesting that Equifax immediately remove this account from my credit report. Failure to do so will leave me no choice but to escalate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have random inquiries to my credit report I dont recognize and I try to have the big 3 to remove them and they never do. They still have accounts closed reporting as missed payments ruining my credit

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 2025-01-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have random inquiries to my credit report I dont recognize and I try to have the big 3 to remove them and they never do. They still have accounts closed reporting as missed payments ruining my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my dispute regarding inaccuracy in my credit report. This practice violates the fair credit reporting act ( FCRA ) 15.U.S.C 1681i which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns about Zelle handling disputes, particularly in the light of the recent CFPB lawsuit highlighting the 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 tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX stated a drop in my Transunion score of XXXX points but offed no explanation or changes to account. XXXX XXXX stated I must take up the inquiry with transunion directly. 

I contacted transunion and they would not help me without an account. I created an account. On the free report provided I seen nothing negative in the report and asked about the drop of XXXX points. TransUnion explained I would have to pay them for them to look into my score and any changes associated with it. 

I tried for an hour. 

XXXX points is substantial. There is nothing negative on my report. 

TransUnion refuses unless I pay They advised I could dispute an account only but I did not have anything negative on my report to dispute. They offered no explanation for the drop or a way to dispute the drop without paying for their service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date : XX/XX/XXXX Dear Agency : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX Date : XX/XX/XXXX Dear Agency : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX questioning the accuracy of this item on my report. Please verify this information or remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Respectfully, 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 explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Failure to ensure maximum possible accuracy ( 15 u.s.c. 1681e ( b ), improper handling of dispute notification from furnisher ( 15 u s.c. 1681s-2 ), failure to conduct a proper reinvestigation ( 15u.s.c. 1681i ( a ) ( I ) ( a ) ), failure to remove obsolete information ( 15 u s.c. 1681c ( c ) ). I have repeatedly disputed this matters and still no results. Action needed 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
Consumer complaint received 2025-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima has engaged in deceptive practices, including unclear lease terms and undisclosed fees, which harm consumers and violate fair lending standards. I urge the CFPB to investigate and address these violations to protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I learned that the company reported the account as Charged off. I requested a 1099c as I am about to complete my tax return. They denied my request saying that I would have to ask my tax preparer for the 1099c.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was a temporary issue, but the errors remained. Since the inaccurate accounts are still present, I kindly request a thorough review of the documents I've provided to ensure this doesn't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These following companys have reported hard inquires on my account, i do not recognize these companies and they should not be on my report. I have also spoken with XXXXXXXX XXXX  for XXXX XX/XX/XXXX the account is closed, but that is not true i have spoken with the company and the account is open and i am making payments on that account. XXXX XXXX XXXX for XXXX XX/XX/XXXX, XXXX settled and the account should not be appearing on my account anymore as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: International Computer Systems, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XX/XX/2025 Dear [ Credit Reporting Agency, I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which holds entities liable for negligent non-compliance with the requirements under the FCRA. It has come to my attention that [ describe the nature of the issue, e.g., inaccurate information, failure to update records, etc. ] has occurred in my credit report or file, and this represents a failure to adhere to the standards outlined under the FCRA. 

As outlined in Section 1681o, I understand that negligent non-compliance by a credit reporting agency or creditor can result in civil liability for actual damages, punitive damages, and attorneys fees. I believe that the incident described here constitutes such non-compliance. I respectfully request that you take immediate corrective action to resolve this matter by correcting the credit report, updating inaccurate information Here are the specific details of the dispute : Issue Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation : Impact on Credit Report : These incorrect items i've been trying to remove while in the process of buying and home. 
I request that you respond to this dispute and resolve this issue within the timeframes prescribed by the FCRA. I expect a prompt resolution, as failure to comply with the requirements under FCRA Section 1681o may result in further legal action. 

Please contact me at XXXX or XXXX should you require any additional information or clarification. 

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

Sincerely, XXXX XXXX

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

Complaint narrative:
Accuracy The amounts, other than balance and/or past due, are incorrect. 
There were fraudulent charges made on this account. I have advised all credit bureau that XXXX XXXX a third party company trying to collect a balance that is not my charges. I reach out to XXXX XXXX who agree those charges are not mine.

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