vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
I am filing this complaint pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) to request that 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 false and fraudulent account consist of a utility account that was opened on or about XX/XX/year> by XXXX XXXX XXXX # XXXX. This account is Fraudulent! I have never had an account with them nor the original creditor 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint pursuant to FCRA 6058 ( 15 U.S.C 1681c-2 ) to request that 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 false and fraudulent account consist of a utility account that was opened on or about XX/XX/year> by XXXX XXXX XXXX # XXXX. This account is Fraudulent! I have never had an account with them nor the original creditor XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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:
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 was unfeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am filing a complaint against Equifax due to the inaccurate reporting of multiple debt accounts on my credit report, which includes accounts that are not mine, are listed with incorrect balances, and are being reported as past due despite having been paid in full, causing significant damage to my credit score and preventing me from obtaining necessary loans and lines of credit ; despite repeated attempts to dispute these errors through Equifax 's dispute process, the inaccurate information remains on my credit report, violating the Fair Credit Reporting Act. 

XXXX XXXX- XXXX {$8000.00} XXXX XXXX XXXXXXXX XXXX {$860.00} XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX - XXXX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX {$770.00} XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX - - XX/XX/XXXX - {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
This complaint concerns the inaccurate reporting of XXXX XXXX student loans on my Experian and XXXX credit report. These loans were previously part of a larger account of XXXX loans that were closed and successfully removed from my report. However, these XXXX accounts have recently reappeared on my credit report despite providing evidence of the account closure. Experian has failed to remove the inaccurate entries and continues to assert that the information is correct. 

This issue is particularly concerning in light of recent actions against XXXX for significant violations in student loan servicing. XXXX has been fined and prohibited from working with the Department of Education due to widespread issues, including the inaccurate reporting of loan information. This raises concerns about the accuracy and reliability of XXXX data on my Experian credit report and Experian 's due diligence in addressing these systemic issues. 

Supporting Documentation ( upon request ) : Copies of previous dispute submissions to Experian Evidence of loan closure ( e.g., account statements, letters from XXXX ) Copies of correspondence with Experian Publicly available information regarding XXXX 's recent fines and sanctions Documentation showing the initial removal of the accounts from my credit report ( e.g., previous credit reports where the accounts were not present )

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a compliant 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Sent money to the wrong person and never was a warning or live agent to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I received a XXXX from CashApp/Square/Block Inc on XX/XX/XXXX XXXX It has the last four digits of my SSN. Per the XXXX, I received {$1500.00} in XX/XX/XXXX from CashApp/Square/Block. I called CashApp support and they told me that I did have an account registered to my phone number that was created in XXXX. I do believe I created this account in XXXX, but I have not used it since. CashApp did not provide me any other information. They told me to file a complaint with Identitytheft.gov. This is the text of the email : Our team has received your claim regarding the XXXX tax document issued to you. 

Cash App does not provide tax advice. If you have further questions about your particular tax situation you should reach out to your tax advisor. 

If you believe your personal information is being used, we recommend visiting IdentityTheft.gov ( https : //www.identitytheft.gov/ ) where they can help you report and recover from identity theft. 

If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter.

Law enforcement agents may submit a request for information electronically ( XXXX XXXX XXXX ) or in writing to : Block , Inc . 
XXXX Square , Inc. 
Attn : Legal Department XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX I have since filed a complaint with identitytheft, however, upon doing research into CashApp, I found the decision issued by CFPB on XX/XX/XXXX, citing them for this exact issue. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
I received the auction receipt but am dissatisfied due to lack of transparency, especially regarding the buyers details and unaltered transaction information. Given North State Acceptances dishonest practices, I demand a full, unaltered receipt or immediate deletion of the account. Please respond within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have asked that these XXXX debts be removed multable times and they keep saying they are verifiable but they cant be because if web bank sold it to XXXX XXXX XXXX  it shouldnt be on my report and if they sold it they should have mailed me a 1099 and if XXXX XXXX XXXX bought the debt I dont have a contract with them it shouldnt be removed the names should be removed because my name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin any other address should not be on my report because Mail is not deliverable to me by us mail I have requested that they remove them multiable times

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 2025-01-22 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: SC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am not aware what this debt is for. I had no information in regard to it until I saw it on my credit report. The original credit or XXXXXXXX XXXX XXXX  has reached out to me in writing to provide information on this debt that they have reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Im writing because I reviewed my credit reports and noticed that there is incorrect personal information being reported by these companies. Please send original contracts for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Im writing because I reviewed my credit reports and noticed that there is incorrect personal information being reported by these companies. Please send original contracts for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BILL.COM, LLC
State: MD

Complaint narrative:
On XX/XX/2021, XXXX payments were charged to my XXXX business credit card, and the payment recipient 's name was later updated to Bill.com. I signed up for XXXX product to explore its potential for identifying high-value clients, but I didnt fully understand the terms of the agreement. At the time, I was new to running my business and didnt realize this decision would lead to unexpected charges and stress. 

The lack of clear communication about the payment terms left me feeling confused and overwhelmed, especially as I was navigating the early stages of entrepreneurship. While I acknowledge that I should have followed up more diligently and checked my email for clarification, I believe this situation highlights an opportunity for Seamless.AI to improve transparency in their billing and onboarding processes. 

For additional context, please review the link below : - XXXX  Review : XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: VA

Complaint narrative:
In XX/XX/XXXX, I purchased a car from XXXXXXXX XXXX. During this transaction : - I was instructed to falsely claim a {$4500.00} down payment that I never made - The dealership wrote down exactly what to say to the lender - They claimed {$4000.00} was from an EV tax credit that could be applied immediately - The additional {$500.00} was claimed to be a 'discount ' - The car 's price was inflated to approximately {$20000.00} while my loan is for {$17000.00} - The car had damage they promised to repair under previous owner 's insurance - They have avoided my communications about repairs When reporting this to Prestige Financial Services today ( XX/XX/XXXX XXXXXXXX XXXX  ), the representative : - Stated dealers sometimes 'finagle ' like this as a way of offering discounts- Refused to document our conversation or copy me on communications - Promised manager contact by tomorrow but provided no confirmation - The loan has not yet had any payments made - First payment is due XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 2025-01-22 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: SC

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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 2025-01-22 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 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 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 was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation