vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report which is fraudulent. 
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. Items listed above, have violated my rights.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 ( AN ( 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.I have NEVER opened or used the following account numbers, please remove all information below : Bank Name : CITIBANK NEW YORK Bank XXXX # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Closed Previous Account Status : Pending Closed Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Email Addresses : 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: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I leased a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX, GA ) on XX/XX/year>, financed through GM Financial. At signing, I was told the {$7500.00} EV tax credit would be applied to my payments, and that the lease interest rate was set by GM Financial at XXXX money factor ( 3 % APR ) and was non-negotiable. 

The next day, I asked the dealer for clarification because I couldnt find where the tax credit was applied. At first, they said it was used for an enhanced residual. Later, they changed their explanation, saying it was applied as both an enhanced residual and a 1.8 % APR, which was completely different from what I was told at signing. 

I then filed a formal complaint with GM Financial, who confirmed in writing that the {$7500.00} tax credit should apply to the principal to reduce the overall lease cost. However, the dealership continues to claim it was applied as an enhanced residual, directly contradicting GM Financials response, GM financial has not corrected my lease to reflect their explanation of where my tax credit should apply.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX  XXXX The Payment Status is inaccurately reporting as 90 days late with Experian, while TransUnion and Equifax show it as current. Additionally, the two-year payment history reflects XXXX  days late for XX/XX/year> and XXXX  days late for XX/XX/year>, both of which are incorrect. Please update the payment history to reflect " Current '' or " Paid on Time, '' as this account has been paid on time.

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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
My insurance paid the remainder balance of GM financial but it wasnt taken off my credit report!

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: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 and Regulation. 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 2025-02-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Contact Midland Credit Management to review account debt and placed in a review as I'm disputing the balance. The balance owed is incorrect as it includes late charges and interest from XXXX XXXX. Due to hardship experienced, although I always made timely payments, I am disputing these charges. Attached is chat conversation.

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: FL

Complaint narrative:
This is my initial complaint against Zelle, as their dismissive response requires no action from consumers. Your response to legitimate consumer complaints reflects exactly why the CFPB is suing Zelle under violations of the Consumer Financial Protection Act ( CFPA ) and Electronic Fund Transfer Act ( XXXX ) XXXX ) Zelle failed to provide accurate information. 
A million in documented fraud losses. Your XXXX claim of " insufficient facts '' directly mirrors the lawsuit 's allegations of systematically XXXX denying valid consumer complaints. Under EFTA ( 15 U.S.C. 1693f ), financial XXXX institutions must conduct reasonable investigations of reported errors. This needs proper investigation

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: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Subject : Request for Goodwill Adjustment Late Payment Removal for Account Ending in XXXX Dear American Express Customer Service Team, I hope this letter finds you well. I am writing to formally request a goodwill adjustment regarding a late payment that is currently being reported on my credit file for my American Express account ending in XXXX. 

I am an XXXX XXXX of the United States XXXX and while serving overseas, I sustained an injury that required emergency XXXX. As a result of my medical condition and recovery period, I was unable to stay as diligent with my financial obligations as I normally would. During this time, any funds I received went directly toward covering my fathers medical bills, as he was battling XXXX. Unfortunately, he recently passed away, and we laid him to rest just last week. 

Additionally, I was a victim of fraudulent activity on my XXXX XXXX XXXX account, which further complicated my financial situation. I had placed a payment request to American Express before the fraudulent incident occurred. However, XXXX XXXX froze my account to investigate the matter, preventing my scheduled payment from being processed. Once I became aware of the issue and the bank completed their investigation, I promptly reprocessed the transaction using a security PIN. I have attached supporting documents that confirm I made the payment on time, and that the delay was due to the bank 's actions rather than my own negligence. 

I want to assure you that I am now fully recovered and back to work, with a strong commitment to settling all my outstanding financial obligations. In fact, I am in the process of securing a debt consolidation loan to pay off all my balances in full, including those with American Express. However, the continued reporting of this late payment is significantly affecting my ability to obtain such financing. 

As a long-time and loyal American Express cardholder , I kindly request that you remove this late payment from my credit report as a one-time goodwill adjustment. This gesture would mean a great deal to me as I work toward restoring my financial stability. I value my relationship with American Express and hope to continue using your services responsibly in the future. 

Thank you for taking the time to consider my request. I sincerely appreciate your understanding and any assistance you can provide in this matter. Please feel free to contact me at if you require any further information. 

Looking forward to your favorable response. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX  - BALANCE {$2000.00} Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - BALANCE {$27000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I mark as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

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: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( CRAs ) - Experian, TransUnion, and Equifax - for their failure to conduct reasonable investigations of my disputes as required by the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Complaint : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information Review and consider all relevant information submitted by the consumer Complete the investigation within 30 days Provide written results of the investigation to the consumer Specific Violations : The credit bureaus have failed to meet these obligations in the following ways : They did not conduct meaningful investigations of my disputes, instead merely parroting back information from the furnishers without independent verification They failed to consider the supporting documentation I provided with my disputes They continued to report inaccurate information even after being presented with evidence of its inaccuracy Financial Impact : Due to their failure to properly investigate and correct the inaccurate information, I have suffered significant financial harm : Denial of credit opportunities Higher interest rates on existing accounts Difficulty obtaining housing/employment Emotional distress from dealing with persistent inaccuracies Requested Resolution : I request that the CFPB : Investigate the credit bureaus ' dispute investigation practices Require them to conduct proper investigations of my disputes as required by law Hold them accountable for violations of the FCRA Require them to implement better dispute investigation procedures Provide appropriate monetary compensation for the financial harm caused I have maintained detailed records of all my disputes and the bureaus ' responses, which I can provide upon request. Under the FCRA, I am entitled to accurate credit reporting and proper investigation of my disputes. The credit bureaus ' failure to fulfill their legal obligations has caused me significant harm that needs to be addressed. 
Thank you for your attention to this matter. I 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against all three major credit reporting agencies ( CRAs ) - Experian, TransUnion, and Equifax - for their failure to conduct reasonable investigations of my disputes as required by the Fair Credit Reporting Act ( FCRA ).

Legal Basis for Complaint : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information Review and consider all relevant information submitted by the consumer Complete the investigation within 30 days Provide written results of the investigation to the consumer Specific Violations : The credit bureaus have failed to meet these obligations in the following ways : They did not conduct meaningful investigations of my disputes, instead merely parroting back information from the furnishers without independent verification They failed to consider the supporting documentation I provided with my disputes They continued to report inaccurate information even after being presented with evidence of its inaccuracy Financial Impact : Due to their failure to properly investigate and correct the inaccurate information, I have suffered significant financial harm : Denial of credit opportunities Higher interest rates on existing accounts Difficulty obtaining housing/employment Emotional distress from dealing with persistent inaccuracies Requested Resolution : I request that the CFPB : Investigate the credit bureaus ' dispute investigation practices Require them to conduct proper investigations of my disputes as required by law Hold them accountable for violations of the FCRA Require them to implement better dispute investigation procedures Provide appropriate monetary compensation for the financial harm caused I have maintained detailed records of all my disputes and the bureaus ' responses, which I can provide upon request. Under the FCRA, I am entitled to accurate credit reporting and proper investigation of my disputes. The credit bureaus ' failure to fulfill their legal obligations has caused me significant harm that needs to be addressed. 
Thank you for your attention to this matter. I look forward to your 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: EQUIFAX, INC.
State: SC

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 the 15 USC 1681. Account information is as following- XXXX XXXX XXXX {$170.00} has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 the 15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: MA

Complaint narrative:
I am submitting this formal complaint regarding Experians violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experians failure to uphold consumer protections under the FCRA. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer XXXX credit report, including a fraudulent credit card account at XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, and a fraudulent inquiry from XXXX XXXX. These fraudulent accounts and inquiries have resulted in several hard inquiries and collections appearing on my credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report within four days of receipt and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

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