vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 errors 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 2025-02-01 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: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Experian for their repeated failure to lawfully address and correct inaccurate information on my credit report, despite multiple disputes I have submitted, including the attached most recent dispute letter and my Federal Trade Commission ( FTC ) Identity Theft Report.

I have repeatedly disputed multiple accounts and inaccuracies with Experian, informing them that the disputed information is a result of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, Experian is required to conduct a proper investigation and remove inaccurate or unverifiable information. However, Experian has failed to uphold its legal obligations and continues to report false and damaging information on my credit file. 

Additionally, per my dispute letter ( s ), Experian has been made aware of multiple violations they have committed, including but not limited to : Failure to conduct a reasonable investigation despite being provided with an FTC Identity Theft Report and supporting evidence. 
Failure to remove fraudulent accounts after receiving proper dispute documentation. 
Failure to comply with the FCRA by verifying accounts that are legally unverified and unauthorized. 
Ongoing harm to my credit and financial well-being as a result of Experian 's negligence. 
I have exhausted all means to resolve this matter directly with Experian, yet they continue to act in bad faith by ignoring clear evidence of fraud and failing to adhere to federal law. As a result, I am seeking CFPB 's intervention to ensure that Experian : Immediately removes all fraudulent and inaccurate accounts associated with the identity theft. 
Ceases all further reporting of disputed information that is unverifiable and incorrect. 
Provides a detailed explanation for their noncompliance with my previous disputes. 
Takes corrective action to comply with FCRA regulations. 
I have attached my most recent dispute letter to Experian, the FTC Identity Theft Report, and supporting documentation for your review. I urge the CFPB to take immediate action against Experian for their failure to act in accordance with federal law. 

Thank you for your time and assistance in resolving 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against American Express for violating the Military Lending Act ( MLA ) in my case. I am currently on XXXX XXXX and have been wrongfully charged an annual fee on my American Express account, which I believe is in direct violation of the MLAs provisions protecting servicemembers from such fees. 

On XX/XX/XXXX, I contacted American Express to dispute the unauthorized charge and requested that they remove the fee. They responded by requesting documentation to verify my active-duty status and my eligibility for MLA protections XXXX I promptly provided all requested documents through their designated process. However, despite submitting the necessary information and following all their instructions, American Express has failed to remove the unauthorized fee from my account. 

Additionally, because the fee remains on my account, I am now accruing interest on charges that should not be there, further compounding the financial harm caused by their noncompliance. It has now been over three weeks since my initial contact with American Express, and they have yet to take corrective action. 

I am seeking immediate assistance from the CFPB to enforce my rights under the Military Lending Act and compel American Express to : 1. Remove the unauthorized fees from my account.

2. Refund any interest or charges that have accrued as a result of these fees.

3. Ensure compliance with the MLA for my account moving forward. 

I appreciate your prompt attention to this matter, as this ongoing issue is negatively impacting my financial well-being. Please let me know if you require any further documentation or information from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dispute Department- 15 U.S. $ 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately. These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft.Under Section 1681 ( G ) and 15 U.S. Code 1666b - Timing of payments.Please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate or incomplete. I respectfully request that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide me with an updated report once the dispute has been resolved. 


As a consumer, I am demanding the deletion of the account below. I have not received a 1099c form for the following accounts that are reporting profit loss and charged off. I would like to see compensation as I have disputed this numerous times and my rights have been ignored. THIS IS FRAUD XXXX XXXX {$15000.00} reporting charge off 60-89 days late profit and loss write off XXXX {$32000.00} inaccurate, reporting charge off 90-119 days late paid profit and loss XXXX XXXX XXXX  reporting 30-59 days late reflects 100 % payments made ontime remove 30-59 days late XXXX reporting charge off 60-89 days late, paid profit and loss XXXX- {$500.00} reporting charge off 120 days late, paid profit and loss As a consumer, I am demanding the deletion of the accounts below. Please remove all inquiries which I did not authorize or give consent : Hard inquiries please remove : 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 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
Two charges of {$370.00} and {$7.00} from the same vendor : XXXX XXXX XXXX XXXX XXXX showed up on my Discover Card. I froze the card and disputed the transactions. The smaller value was reversed, and the larger value was considered legitimate after Discover investigation. 
The vendor is a XXXX ticket agent in XXXX. 
Discover keep charging me as the proof of the purchase submitted to me is a two-page document entirely typed in XXXX. Even the Fraud operator could not explain what it meant in XXXX. 
I wrote 2 letters to Discover already and NO response. It is absurd that Discover uses as a " proof '' a letter in XXXX, of something I never bought and does not reply to my letters. 
Dispute case : XXXX = {$370.00} ( Discover keeps charging me ) Dispute case : XXXX = {$7.00} ( Discover reversed ) SAME VENDOR! Makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: OH

Complaint narrative:
Equifax and Experian deliberately lowered my credit score after I tried to get a mortgage loan. They improperly investigated disputes. The companies get paid to put derogatory negative remarks on my credit report. Then charge the consumer for a report with a credit score that they generate. I contacted Equifax who then lowered my credit score by over XXXX points within an hour. They improper handle and investigated my disputes. Allowing the buyer of a debt report a newer date. The post the date the debt was purchased and not the original date of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
In 2016 I purchased a new vehicle using GM Auto Finance while living in Washington state. After that I moved states 2 times ; and in both cases I registered the vehicle in the new state, and updated my address on their website.

Fast-forward to the end of my loan, I waited for my title. GM lead me to believe that they had sent it to my current state. So I went to the appropriate office to get it ( Secretary of States Office here ). Talking with someone there I discovered there was some issue. And after back and forth and nearly 3 years I have finally found the issue.

GM sent my title to Washington state and not my current state. When I asked them why they never updated my address appropriately for my title, they blamed me for not explicitly telling them I moved in a specific manner they never really explained. But as noted above I updated my mailing/billing address on my account via their website and registered the vehicle in my new states of residence. The latter of which they informed me would have required a request for the title, which the states must have gotten as the vehicle was registered without issue. Which would indicate that the states had contacted them and gotten the required information, why GM didn't note that or update appropriately is beyond me.

When pressed on why nobody had explicitly informed me that I need to take special steps to get the title directed properly they insinuated that I should have known that, even though I had absolutely no way of knowing that ( since they didn't tell me, they also told me they do things differently than other lenders, which if that is the case then they need to inform their customers ). When I asked about this, and why they didn't inform their customers of this, they told me they had no way of knowing who was going to move. Which is true before hand, but if customers did what I had done, there was plenty if indication to GM to know that I had moved and that they could have told me if there was any special steps I needed to take. Putting aside that it shouldn't be my responsibility for them to properly administrate their loans.

So now I have to coordinate with a state office in a state I don't live in ( on the other side of the country ) to try to get something that they should have just sent to me directly. At this time I don't know if I will have to pay out of pocket for anything, nor how long this could all take.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian ( CFPB ) Complaint # XXXX Experian has not resolved the issues, Experian has not and still refuses to provide the requested information. Despite Experians XXXX that they lied about in their response I still can NOT contact Experian as they do not allow consumers to actually contact them!!!

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 2025-02-01 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: IL

Complaint narrative:
I request that the accounts be removed from my credit report for mis information back in 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 2025-02-01 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: TX

Complaint narrative:
I filed a dispute with Experian and Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed. Experian violates my rights as a consumer, as well as federal laws. I have attached supporting documents.

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 2025-02-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
My card is locked and I can't use my funds. I already submitted the requested documentation.

Company response to consumer: Closed with explanation