vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX XXXX was taken off of my card after I had just added it to my cashapp card only minutes before it was taken. This has happened on XXXX other occasions. I add money and minutes later that money is gone. Those dates are XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX and again on XX/XX/XXXX for XXXX. These transactions are not me. Someone used my card number online for a treatment  center. On XX/XX/XXXX my bitcoin was sold in the amount of XXXX and then again on XX/XX/XXXX for XXXX. XX/XX/XXXX XXXX was used on an app called XXXX. XX/XX/XXXX XXXX and XXXX was sent to a random person in XXXX  and again on XX/XX/XXXX and XX/XX/XXXX for XXXX was sent to that same random person. I do not know this person. I reached out to cashpp. They told me to dispute each transaction and all I've gotten is the run around and I've tried disputing this more than XXXX time. Ive even called caspapp to dispute it. Someone was to call me back but they never did. And they have many more transactions that were made. I dont have enough space to add them all on here. This is alot of missing money. I'm a single mother and every dollar earned is vital. This has set me back so far. I still haven't overcome this situation. I'm struggling to make ends meet. Please someone help put an end to cashapp fraud and stealing people 's hard earned money. I don't understand how people could do these kinds of things. How could they use my card when it's always locked and I even canceled several cards and got new cards and it still happened. Such a huge disappointment for an app that's so convenient. Prayers for others that this has happened to. We do not deserve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX  ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX  ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ) Issue : These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. 

This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: MD

Complaint narrative:
I am writing to dispute unauthorized accounts on my credit report resulting from a data breach. These accounts were not authorized by me, and their reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). The disputed accounts are as follows : XXXX ( Account Number : XXXX ) XXXX XXXXXXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) XXXX XXXX XXXXXXXX ( Account Number : XXXX ) Issue : These accounts are unauthorized and were not opened or approved by me. They appear to have resulted from a data breach and contain inaccuracies and unverifiable information. 

This is statement affirming that these accounts are not related to any transactions I authorized Proof of my identity A copy of my identity theft report Identification of the disputed accounts

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion continues to violate the law and my rights. 

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the CFPB have brought to light significant concerns regarding credit reporting agencies failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX , the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Credit Reporting Agencies are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. Further NO hospital bills should be on any credit reports. 

I hereby request Transunion to remove the following inaccurate, unverifiable, fraudulent collections from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-24 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: PA

Complaint narrative:
This morning, I discovered some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even tried refreshing my browser to see if it was a temporary error, but the inaccurate accounts remained. Because of this, I kindly request that the documents I provided be carefully reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On /or about XXXX XX/XX/year> I applied for a Credit Card through the Credit KarmaXXXX XXXX ( I've had a CK account for OVER 2+ years ). A CK email stated per the CK Guarantee I was eligible for XXXX credit cards ( I have very good credit and HIGH scores ). So I applied for XXXX card ( I can't recall which bank ). So off goes the application. About XXXX weeks later I get an email from CK saying, since I was denied I'm eligible for a {$50.00} gift or e-card, per the Karma Guarantee. So I click on the Green Button /Tab and I get the error message : Oops! something went wrong -this page didn't load correctly, please try again later. I did try again - several times over the next week. I did CHAT with a Customer Agent and they said it would take several days to determine which bank I applied to. That is XXXX CK KNOWS exactly which bank I applied to, as the application was through CK 's website. I waited and NO response. On XXXX XX/XX/year>, I again emailed CK explaining the situation and no reply to this day. Afterwards, I did file a complaint with the State of California Attorney Generals Consumer Protection Division, as Credit Karma is headquartered in XXXX XXXX. I haven't head from the CA AG 's Protection Div. either. CK got its referral fee and I get denied, my scores dropped and I've been used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-01-24 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: IL

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXXXXXX Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against XXXX XXXX XXXXXXXX for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : XXXX XXXX XXXXXXXX has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off. 
2. Securitization of Debt : Upon reviewing XXXX XXXX XXXXXXXX SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, XXXX XXXX XXXXXXXX no longer owns the debt, raising serious concerns about their right to report it. 
3. Improper Reporting Practices : Despite charging off the account, XXXX XXXX XXXXXXXX continues to report it to credit bureaus, including XXXX and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that XXXX XXXX XXXXXXXX followed proper notification practices under applicable debt collection laws.

5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that XXXX XXXX XXXXXXXX may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Complaint AgainsXXXX XXXX XXXX XXXXXXXX Potential FCRA Violations, Securitization Issues, and Double Reporting Practices Details of Complaint : This complaint is being filed against XXXX XXXX XXXXXXXX for the following violations related to the reporting of a charged-off account : 1. Failure to Provide Validation : XXXX XXXX XXXXXXXX has failed to provide sufficient validation of the alleged debt despite multiple disputes. Specifically, they have not shown proper documentation proving their continued ownership of the debt or the authority to report it as a charge-off. 
2. Securitization of Debt : Upon reviewing XXXX XXXX XXXXXXXX SEC 10-K filings, it is evident that the institution securitizes its debts into trusts post-charge-off. If this specific debt was securitized, XXXX XXXX XXXXXXXX no longer owns the debt, raising serious concerns about their right to report it. 
3. Improper Reporting Practices : Despite charging off the account, XXXX XXXX XXXXXXXX continues to report it to credit bureaus, including Experian and XXXX, without addressing or verifying disputes properly. The reporting remains inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 
4. Lack of Transparency in Collection Activity : There is no evidence of clear communication with the consumer regarding the status of the debt post-charge-off. Furthermore, there is no indication that XXXX XXXX XXXXXXXX followed proper notification practices under applicable debt collection laws. 
5. Potential Double-Dipping : An IRS Form 3949-A has been filed, as there is a potential concern that XXXX XXXX XXXXXXXX may have already recovered the debt through securitization and is still reporting or attempting to collect on it. This warrants further 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 2025-01-24 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: IL

Complaint narrative:
XXXX XXXX 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
Consumer complaint received 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of XXXX payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.

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 2025-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Inaccurate Credit Reporting and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of one payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from XXXX on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from XXXX reflecting the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX and Mishandling of Account Complaint Summary : I am filing a formal complaint against XXXX XXXX XXXX XXXX regarding their inaccurate reporting of my auto loan account to credit reporting agencies, mishandling of my account, and failure to provide effective customer support despite adherence to an approved payment plan and extension agreement. Their actions have negatively impacted my credit report and financial standing. 

Details of the Issue : Account Overview : Account Number : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : XXXX  XXXX approved an extension of one payment of {$860.00}, deferring it to the end of the loan term. 
XXXX XXXX indicated that delinquency reporting would continue until the account was brought current. 
Hardship Payment Plan ( XX/XX/XXXX ) : Entered a hardship payment plan due to financial difficulties caused by natural disasters. 
Payment plan terms included XXXX payments of {$860.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Per the agreement, completing the payments would make the account current as of XX/XX/XXXX. 
Payments Made : XX/XX/XXXX : {$860.00} auto-drafted successfully. 
XX/XX/XXXX : {$860.00} auto-drafted successfully. 

Discrepancy and Reporting Issue : Despite making timely payments, I received a notification from Experian on XX/XX/XXXX, that my account is reported as 30 days past due. 

This is incorrect, as I have complied with the payment plan and extension terms. 

Unsuccessful Attempts to Resolve the Issue : I contacted XXXX XXXX customer service multiple times to address this issue. Unfortunately, my efforts were unsuccessful. 
Customer service representatives deflected responsibility, claiming that the error was on the part of the credit bureaus. This response was unacceptable, as XXXX XXXX is responsible for ensuring accurate reporting of account status to credit bureaus. 

Evidence of Compliance : Attached documents include : Extension confirmation ( dated XX/XX/XXXX ). 
Payment plan confirmation ( XX/XX/XXXX ). 
Statements showing payments on XX/XX/XXXX and XX/XX/XXXX. 
Notification from Experian reflecting the inaccurate reporting.

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