vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: LEXISNEXIS
State: DC

Complaint narrative:
I received a resolution to my disputes through the CFPB portal on XX/XX/2025. When I called Lexus Nexxus on XX/XX/2025 the representative explained to me that the things that I was told were removed or deleted from my consumer report are still showing on there in dispute. I feel like Im getting the runaround and I need an updated report with the things that are listed and were removed from my consumer report sent to me. If these things are deleted, which is states that they are including all the fraudulent and inaccurate information than my updated consumer report should reflect that.. please provide me with confirmation that the things listed in this consumer report are deleted so that I can dispute the things that are not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is claim of the wells fargo class action suit... I was penalized for overdraft when I did not over draft and atm fees mainly

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 monetary relief
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Goodman Frost, PLLC
State: MI

Complaint narrative:
Is current trying to see me for a rental debt allegedly owed to an apartment complex I havent lived in since XXXX. The state of XXXX requires if any money owing to a landlord must be started in the court with XXXX days of move out. This never happened, now a debt collection company saying they are attorneys for the apartment complex said they are suing for the apartment complex. Every letter they send me clearly states they are a debt collector with an attempt to collect a debt. This is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I tried online to open a new Capital One Performance Savings account. After submitting all my information, the screen told me to call in to provide more information. I called in. A representative named XXXX asked me to verify my identity by photographing and uploading my driver 's license via a link she texted to me. I successfully verified my identity via that time-consuming method. She then said she saw a " restriction '' on my previous Capital One account from many years ago, and that it had to be resolved before she could open my new savings account. She transferred me to another department, where a representative named " XXXX '' ( ID # XXXX ) made me verify my identity all over again, via the same time-consuming method of taking live photos of my ID and submitting them via a different texted link. After I successfully verified my identity, she placed me on two long holds, then informed me that Capital One had decided to end my banking relationship way back in XX/XX/XXXX, so I could not open a new account. I asked why CapOne made that decision. She said CapOne communicated it to me in XXXX. I said I don't remember anything about that, so I'd like a copy. She put me on another long hold, then asked how I'd like to receive the copy, by email or letter. I said by email, and gave her the same email I'm using for this complaint. She put me on another long hold, and ultimately refused to send me a copy. I want a copy of that alleged communication, and I want to know why CapOne is refusing me a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

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 2025-01-30 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:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Tried reaching Cash App after transaction no service was available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
I am writing to express my regards of Zelle handling disputes, particularly in light of the recent CFPB lawsuit, and the significant issues with the platform. After using Zelle for a long time in in hopes of being a likely valued customer they have built to investigate my claims adequately, I was told that we were recovering lost funds were invalid and absolutely not possible, or trackable. The CFP B 's findings not only proved that Zelle wasn't able to protect consumers information would allowed for the same companies numerous times to exploit the system leaving users vulnerable to scams and hacking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXX XXXX XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-01-30 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: TX

Complaint narrative:
I requested for my information to be updated via email provided by customer service of XXXX XXXX. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid. 
I do not wish to have any other number on my report other than ( XXXX ) update my phone number. 
Update My address ( XXXX  ) I do not want any employer listed at all please remove all past employer information. 
My correct Birthdate is XXXX XXXX XXXX please update. 
Please remove all addresses off of my account as they are not deliverable to me by US post office and they are not reportable as per FCRA since they are inaccurate. 
Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number : XXXX  This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I requested for my information to be updated via email provided by customer service of XXXX XXXX. I advised this company that I have no knowledge of any account reported on my profile that is addressed to someone other than myself. I will include the email I submitted : Per the forwarded request : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, PA XXXX I am submitting documentation proving my name is XXXX XXXX XXXX to update and have my personal information corrected on my file with your company. 
I am submitting my Social security card. 
I will also be submitting my utility bill and a lease agreement addendum that proves my request for an update on my address is valid.

I do not wish to have any other number on my report other than ( ********** ) update my phone number.

Update My address ( ********** ) I do not want any employer listed at all please remove all past employer information.

My correct Birthdate is ( ******** ) please update.

Please remove all addresses off of my account as they are not deliverable to me by XXXX XX/XX/XXXX and they are not reportable as per FCRA since they are inaccurate. 
Also any account reporting inaccurate information on my account not reflecting this information provided including my submitted documents I am requesting to be removed from my account with your company per FCRA 15 USC 1681. 
I am requesting XXXX XXXX XXXX XXXX account number : ********* This information reported is a violation of the FCRA and the information reported does not match what I am updating. This needs to be removed 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 2025-01-30 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: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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 violates the customer financial protection act ( cdpb ). specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution requirements under the electric fraud 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
i have an auto loan with OneMain Financial from XX/XX/XXXX. My car was totaled on XX/XX/XXXX in a car accident and I had to file an insurance claim that was deemed a total loss. Throughout XXXX and XXXX I received multiple emails from the lender offering to settle my account for less. I was offered and received a written settlement agreement in my email for {$7600.00} as long as it is posted on the account by XX/XX/XXXX on XX/XX/XXXX to resolve my account. Despite this, my lender received an insurance payout of {$8700.00}, on XX/XX/XXXX, on my behalf and is now refusing to honor the settlement, claiming insurance funds can not be used toward settlements. My account manager confirmed that there is no contractual basis for this claim. Additionally, the lender refuses to refund the {$1100.00} overpayment from the insurance check. They are attempting to apply the full amount to my original loan balance, despite our written settlement agreement. This is an unfair and deceptive practice, and I request immediate intervention to ensure they honor the settlement and return my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2025-01-30 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 cashapp ( Block Inc ) due to indadquet customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measure to prevent and dress fruadon their on their platform, leaving my account vulnerableand unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused me significant inconveniece and fiancal loss and seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I have been receiving the following message, XXXX, contact MRS BPO LLC regarding a matter with XXXX XXXX. MRS is a collection agency. 

Visit :XX/XX/XXXXXXXX Call : ( XXXX ) XXXX Opt Out : Reply STOP Rights/XX/XX/XXXXXX/XX/XXXX Firstly my name isnt XXXX. Secondly, I dont owe anything to XXXX XXXX My account is in good standing. Thirdly, I didnt sign up for anything to receive these messages. And I am on the do not call registry. I have googled this complaint and am seeing that other people are receiving this message as well. It is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
jefferson capital system has placed a fraudulent collection for {$390.00} on my credit report XX/XX/XXXX. I have never received any documentation about this debt. They claim it came from XX/XX/XXXX from an account in XX/XX/XXXX, but I contacted XXXX, and they confirmed that I don't owe the nothing. jefferson cap sys has provided no proof and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

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 2025-01-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XX/XX/XXXX: # XXXX ( Charge Card Account ) has violated multiple federal privacy laws. Under 15 U.S.C 1681 SECTION 602 A, I have the right to privacy. Additionally, the Privacy Act of 1974 ( 5 U.S.C. 552a ) requires prior written consent before disclosing records to consumer reporting agencies. XXXX has failed to provide the required privacy notices and opt-out rights under 12 CFR 1016.4 and 15 U.S.C. 6802. 
This account shows multiple delinquencies from XX/XX/XXXX through XX/XX/XXXX, with reported late payments of 30, 60, and 90 days, closing in XX/XX/XXXX. I am exercising my continuing right to opt out under 12 CFR 1016.7 ( h ), which requires compliance " as soon as reasonably practicable. '' The continued reporting without proper privacy notices, opt-out opportunities, and consent violates both the FCRA and the Privacy Act of 1974. I demand immediate cessation of all reporting of this account to any and all consumer reporting agencies.

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