vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inaccurate 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against Equifax, XXXX XXXX and XXXX for failing to remove inaccurate information from my credit report. I have reached out to each of theres companies several times in the year of 2024 in months of XXXX, XXXX, XXXX and XXXX. I have requested these companies to provide me with accurate information stating that the information reported if accurate.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax, XXXX XXXX and XXXX for failing to remove inaccurate information from my credit report. I have reached out to each of theres companies several times in the year of 2024 in months of XXXX, XXXX, XXXX and XXXX. I have requested these companies to provide me with accurate information stating that the information reported if accurate.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
I am filing a complaint against Equifax, XXXX XXXX and XXXX for failing to remove inaccurate information from my credit report. I have reached out to each of theres companies several times in the year of 2024 in months of XXXX, XXXX, XXXX and XXXX. I have requested these companies to provide me with accurate information stating that the information reported if accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-17 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: OH

Complaint narrative:
XXXX XXXX XXXX {$160.00} Account number : XXXX the account is not accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We purchased a house on XX/XX/year>. Our loan was through a lender called XXXX XXXX and our first payment was due XX/XX/year>. We paid {$5000.00} with XXXX going to the regular payment and the rest allocated to principle only. Our loan was transferred to NewRez on XX/XX/XXXX and the principle only portion of our payment was never applied. XXXX XXXX shows receiving and transferring the money to New Rez but NewRez informed us they needed XXXX weeks to find the money. After those XXXX weeks we called back and were informed they needed another month to find the money. In XXXX we called and were told they needed to open an investigation that will take 60 days. We have been paying regular payments and extra toward the principle since the transfer to NewRez and those payments appear to be allocated correctly, except that we are a month ahead on payments and the principle balance is about {$1500.00} higher than it should be. This means we are being charged for more interest and will pay more than we should. We have receipts of all of our payments and have provided them with dates to NewRez but they are unable to find our money and allocate it properly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IN

Complaint narrative:
Im not sure if its because u are shutting down but Experian is breaking the law violating my rights as well as violating federal law and is aware of it. They just think there is no one to answer to anymore. Disputed items comes back verified 2 collections that arent even mine. The other two agencies are closing them. But not Experian. It doesnt matter that they arent mine or that dates were off 50 years My rights have been violated and federal laws broken. This collection agency has never reached out to not even to this day 3 months implemented law 2021 states no attempt to contact no report period. Experian says they dont have to follow. 2nd I have the right to request proof of this debt I I repeatedly asked for an agreement or contract with my signature agreeing to pay for these two medical collections. My request has been ignored multiple times by Experian only to validate its been 2 months that I have asked for this through Experian. Federal law dictates 30 to 45 days or delete. Experian is saying they dont have to follow that law. Experian seems to verify this at any cost no matter what law they have to violate. Thats 3 laws anyone of them should have these two accounts deleted. After this if the CFPB really has no authority I will have at least coplain and get justice through the better business bureau. This is complete insanity this company is aloud to be in business while violating federal and consumer law. We will see about this they cant do anything else to me. Im also going to find someone interested in taking this case. I would love to know why Experian thinks they dont have to follow the law. lawyer for suit against strictly Experian. There only job is to report accurately and fairly they have failed miserably

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 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I ask the question how is this possible and why are you not allowed to remove this from my credit report I understand that companies make mistakes all the time but why when I ask Experian to investigate and remove this account it was under review for 60 days like it really doesnt take this long to investigate it was my account then I call the company back to ask what did she send to this company to ask my identity has been taken before so I ask that they call me ln person to contact about use of my identity if possible can I send a new CFPB report because they are not helping with anything.

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 2025-02-17 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: CA

Complaint narrative:
experian deliberately shared my information address with XXXX XXXX XXXX XXXX chang the fraud address to my real address to force the fraud accounts in my name i have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Date of disputed transaction XX/XX/XXXX Amount of dispute {$980.00} XXXX XXXX XXXX Placed an order on XX/XX/XXXX for XXXX ( weekly dose ) of XXXX  ( Mounjaro ) x 3 months for a total of of XXXX Received a total of XXXX ( for XXXX month ) of XXXX  ( Mounjaro ) x 3 months for a toal of XXXX XX/XX/XXXX Chatted with customer service at XXXX upon receipt of order and explained I got the incorrect dosage. 

They requested I return the order and they would be sending me a pre paid label to return. 
XXXX XXXX XXXX XXXX XXXX La XXXX CA XXXX No return label was ever sent to me. 

XX/XX/XXXX spoke with merchant again and they said they would again send a pre paid label to send back the order. 

XX/XX/XXXX spoke with them AGAIN and they still claimed they would send me a prepaid label to return the items. 

NEVER heard from them and NEVER for a return label. 

I shipped the items back to the address above on XX/XX/XXXX and they were delivered on XX/XX/XXXX and still never got a refund. 

All info is attached to this complaint.

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 2025-02-17 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-17 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Affirm - Violations of the Fair Credit Reporting Act and Negligence in Account Handling Dear CFPB, I am filing this formal complaint against Affirm, invoking my rights under the Fair Credit Reporting Act ( FCRA ) and calling upon the Consumer Financial Protection Bureau 's regulatory oversight to address the egregious violations and negligence that have severely impacted my credit standing and financial well-being. 

Detailed Grievance : On XX/XX/year>, I initiated contact with Affirm to report a critical issue regarding access to my account. Affirm acknowledged receipt of my complaint and assured me that a resolution would be rendered within 10 days. Contrary to these assurances, it has been over three months without resolution, despite repeated follow-ups and written promises from Affirm stating that the matter would be addressed within 3 to 5 days of each letter thereafter, which have also gone unfulfilled.

During the pendency of this investigation, I formally requested that Affirm suspend any negative credit reporting to protect my credit profile, given the circumstances and ongoing investigation. Affirm 's failure to adhere to this request constitutes a breach of their duty under the FCRA to ensure accuracy and fairness in credit reporting, violating Section XXXX, which mandates timely correction of inaccuracies. This negligence has resulted in unauthorized negative entries on my credit report, causing : XXXX. Adverse Impact on Credit Score : A significant decline in my credit score, violating the FCRA 's provisions regarding the accuracy of consumer information and causing undue financial harm.

2. Lost Financial Opportunities : Direct repercussions from this misconduct include missed opportunities for credit and other financial products, which warrant restitution.

3. Resulting Damages : Emotional and financial distress due to Affirm 's continued non-compliance with regulatory standards and failure to provide timely resolutions as required by law. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: TX

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 64 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 items 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 accurate.

This company, LVNV Funding LLC, extracted funds from my bank account without authorization. I have not ever given them access to my bank account information.

Company response to consumer: Closed with explanation