vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 XXXX ( 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 redres : for these violations. 
XXXX + XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: MO

Complaint narrative:
I am disputing all collections and closed charge offs on my TransUnion, XXXX, and Experian credit reports due to their lack of a thorough investigation. My father, XXXX XXXX, has been consistently using my information including my name, my former name, and my social and birth date to gain credit on his behalf since I was a minor. This activity has continued up until XXXX when he was finally incarcerated for unrelated crimes. Several times each year since XXXX, I have reached out to all three credit bureaus to dispute the collections and late payments that my biological father racked up using my information. I have been taken to court over some of these debts where no judgements have been made against me because the debt isnt mine. 

I believe there investigations are lacking as every time Ive disputed the debt as fraud they come back within 2 days time saying its verified. Over the years Ive provided police reports to no avail, the information just stays there. This has prevented me from getting favorable rates with my mortgage, and almost made it impossible to get a mortgage at all.

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 2025-02-09 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: NJ

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

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payment listed on my credit report is 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 this late payment 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 payment 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 payment 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 this 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 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 2025-02-09 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA Section 1681 Dear Experian, I am writing to formally dispute inaccurate information in my credit report. After reviewing my credit report, I have identified the following errors, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which governs the responsibilities of credit reporting agencies.

Disputed Information : Item Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancy/Issue : [ This incorrect balance, outdated information. ] Account Number ( if applicable ) : [ Insert account number here ] This incorrect information is damaging to my credit report and has resulted in harm to my creditworthiness. As per Section 1681 of the FCRA, I am requesting that you investigate the disputed information and correct or remove the inaccurate entry immediately. If the information can not be verified as accurate, it should be removed from my credit report in accordance with the FCRA. 
Additionally, I am concerned that the inaccurate information may cause me further financial harm and may expose the credit reporting agency to civil liability for not adhering to its duties outlined under Section 1681. As such, I am requesting that the necessary investigation be conducted promptly, and that any actions required to resolve this matter be taken immediately. 

Please confirm receipt of this letter and provide an update on the status of my dispute in writing. I expect a response within the timeframe prescribed by the FCRA ( typically 30 days ). 

If you require any further documentation or evidence, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, [ 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 2025-02-09 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
I have a complaint against acima leasing. For a set of tires there charging me {$1200.00} for tires that cost {$500.00} and work on my car that cost {$1000.00}, there charging over {$2000.00}. For the past year they take out of checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The credit reporting agency claims to have verified authorization to access my credit report, but I never granted such permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The credit reporting agency claims to have verified authorization to access my credit report, but I never granted such permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
The credit reporting agency claims to have verified authorization to access my credit report, but I never granted such permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX Closed on XXXX XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Closed on XXXX XXXX Account Name : XXXX XXXX  Closed on XXXX XXXX Account Name : XXXX XXXX Closed on XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX Closed on XXXX XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Closed on XXXX XXXX Account Name : XXXX XXXX  Closed on XXXX XXXX Account Name : XXXX XXXX Closed on XXXX XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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 2025-02-09 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 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 were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers information but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have reviewed and requested investigations and removals of items from my credit report that have been ignored or " updated '' with no changes. I have received letters from Experian saying they will not investigate my disputes because they do not believe I sent the letters. I have signed, each letter I have sent I have included in detail what is wrong and what needs removed. I have included my Photo ID and Proof of Address in each dispute I have mailed via certified mail. I have the same response every time I believe Experian is not doing any investigation at all and they are sending out generic automated response letters so that do not have to look into my disputes. My rights have been violated several times under several FCRA guidelines and The delinquent payments shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I requested Experian to verify the accounts on my credit report since they have the wrong information of my identity via SSN, also copies of verification and proof of any contracts allegedly I have with third party debt collectors, and copies of contracts, and certified copies of any liens, credit transactions, or debt of any kind have been associated with the consumer. I sent two requests : XXXX through USPS on XXXX XXXX through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently conducted an investigation of my credit report and discovered several inaccuracies that require immediate correction. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the maximum possible accuracy of consumer reports and to promptly delete or correct any inaccurate or unverified items. Specifically : 15 U.S. Code 1681e ( b ) - Accuracy of Report : Credit bureaus must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information : If an item on a consumer 's credit report is found to be inaccurate, incomplete, or unverifiable, the credit bureau must promptly delete or modify the information as appropriate. 

The following accounts contain errors and should be reviewed : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX  XXXX XXXX - {$750.00} XXXX XXXX XXXX XXXX - {$5300.00} XXXX XXXX - XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$200.00} XXXX XXXX XXXX - XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} I am requesting a thorough investigation into these items and expect you to provide documentation verifying their accuracy. If the information can not be verified, it must be removed from my credit report as required by law. 

Please provide me with written confirmation of your findings and any actions taken. I appreciate your prompt attention to this matter and expect a response within the 30-day period mandated by the FCRA.

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 2025-02-09 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: CORELOGIC INC
State: IL

Complaint narrative:
I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

XXXX XX/XX/year> CORELOGIC CREDCO XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a credit inquiry from a company I've never dealt with and don't know who they are. Also, my bank pulled a credit inquiry even though I didn't apply for any products or services. 

XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> AMEX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$470.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-09 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. Given the severity of this breach and the resulting compromise of my personal and financial information, I requested you immediately cancel and discharge my student loan debt in full. This breach is a clear violation of FERPA And your responsibility to safeguard my information.

Company response to consumer: Closed with explanation