vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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:
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 tak timely and effective measures to prevent a. address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-02 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: AR

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: IL

Complaint narrative:
Web bank ( XXXX ) and XXXX XXXX XXXX are reporting the same collection. 

Web bank, account number XXXX. 

XXXX XXXX XXXX, account number XXXX. 

XXXX reported due for both {$280.00}.

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

Complaint narrative:
Experian has refused to remove negative collections off my account after refusing to send over proof of debt.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service, and unfair practices which violates the 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 u protected. They did not comply with error resolution requirements ( 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 2025-02-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
2021 theres an eviction on my name that popped up out of nowhere I put a dispute in and was told they werent fixing it theres a charter cable charge I never had it it was ignore a XXXX account thats was put as my fsult even after seeing proof nothing was dine

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 2025-02-02 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: TX

Complaint narrative:
I am reporting identity theft as several accounts were opened in my name without my authorization. I discovered the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX, all of which were opened in XXXX and XXXX and show balances ranging from {$42.00} to over {$6000.00}. Despite disputing these accounts with the credit bureaus, it has failed to remove them from my report. The accounts are currently listed as charged off or in collections.

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 2025-02-03 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: AL

Complaint narrative:
I bought a used XXXX XXXX in 2018 from XXXX XXXX. It was financed by XXXX XXXX. The car was sold to me as meeting all inspections and also never been in an accident. I had the car a couple weeks when it began having mechanical problems. I took it to an authorized repair shop that the extended warranty covered. The mechanic called me to let me know he could not work on the car because it had many salvaged parts and clearly was wrecked. I took it to the dealership and they cancelled the loan..the finance company XXXX XXXX XXXX XXXX XXXX it as still being in my possession and the loan as open yet the dealership says I returned the car and the finance company sold it at auction. They refused to run the vin number to verify the car is not in my possession and any credit or loan I apply for when contacted they tell the potential finance company that I have the car and never made the first payment. I didn't make the first payment because it was returned and my down payment returned before the payment was due.

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 2025-02-03 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: AL

Complaint narrative:
I bought a used XXXX XXXX in 2018 from XXXX XXXX. It was financed by XXXX XXXX. The car was sold to me as meeting all inspections and also never been in an accident. I had the car a couple weeks when it began having mechanical problems. I took it to an authorized repair shop that the extended warranty covered. The mechanic called me to let me know he could not work on the car because it had many salvaged parts and clearly was wrecked. I took it to the dealership and they cancelled the loan..the finance company XXXX XXXX XXXX XXXX XXXX it as still being in my possession and the loan as open yet the dealership says I returned the car and the finance company sold it at auction. They refused to run the vin number to verify the car is not in my possession and any credit or loan I apply for when contacted they tell the potential finance company that I have the car and never made the first payment. I didn't make the first payment because it was returned and my down payment returned before the payment was due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
I bought a used XXXX XXXX in 2018 from XXXX XXXX. It was financed by XXXX XXXX. The car was sold to me as meeting all inspections and also never been in an accident. I had the car a couple weeks when it began having mechanical problems. I took it to an authorized repair shop that the extended warranty covered. The mechanic called me to let me know he could not work on the car because it had many salvaged parts and clearly was wrecked. I took it to the dealership and they cancelled the loan..the finance company XXXX XXXX XXXX XXXX XXXX it as still being in my possession and the loan as open yet the dealership says I returned the car and the finance company sold it at auction. They refused to run the vin number to verify the car is not in my possession and any credit or loan I apply for when contacted they tell the potential finance company that I have the car and never made the first payment. I didn't make the first payment because it was returned and my down payment returned before the payment was due.

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 2025-02-02 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: SC

Complaint narrative:
I discovered that Experian is reporting an inaccurate account on my credit report. The account contains several violations of the Fair Credit Reporting Act ( XXXX ), including : Inaccurate Dates ( XXXX U.S.C. XXXX ( b ) ) The report includes future dates ( e.g., XX/XX/year>, XX/XX/year> ), which is impossible and suggests Experian is failing to maintain reasonable procedures to ensure accuracy. 
Inconsistent Account XXXX The account is marked as " XXXX, '' yet it also shows late payments ( XXXX and XXXX days past due ). This contradiction misrepresents the true status of the account. 
Failure to Provide XXXX ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) I requested Experian to verify the accuracy of this account, but they failed to provide proper documentation or an explanation of how the information was validated. 
Potential Illegal Reaging ( XXXX XXXX. XXXX ) If Experian is misreporting the accounts dates, this could extend the time the negative information remains on my report, which is prohibited. 
These inaccuracies are damaging my creditworthiness. Despite my disputes, Experian has failed to properly investigate or correct the errors, violating my rights under the 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 2025-02-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Corriendo mi crdito sin autorizacin ma cuando yo solo preguntaba por un producto he solicitado por va telefnica y en lnea removerlas de acuerdo a la ley de proteccin al consumidor y hacen nada  solo le ped que cuentas activas sin se quedaran haci por la reconozco que yo aplique

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MA

Complaint narrative:
I am writing to formally report that a Tally Line of Credit account with account number XXXX was fraudulently opened in my name, and I have been a victim of unauthorized charges associated with this account. On XX/XX/year>, I became aware of this fraudulent activity when a collections account from XXXX XXXX XXXX appeared on my credit report. I unequivocally state that I did not open this account nor authorize any charges associated with it. I did not receive any communication via email, phone, or mail regarding the opening of this account or the associated charges. The first notification I received was when the collection account was reported on my credit report. Furthermore, I have been a victim of previous data breaches, including those from XXXX and XXXX, which I believe XXXX have contributed to the unauthorized use of my personal information. I am requesting that you immediately investigate this matter and take the necessary steps to remove this fraudulent account and any related collections activity from my credit report. Please provide me with any information you have regarding the opening of this account and the associated charges. I am attaching my FTC Identity Theft Affidavit and a police report for your records.

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 2025-02-02 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: WA

Complaint narrative:
Account with California XXXX Bank Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( XXXX Bank ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: WA

Complaint narrative:
Account with California XXXX Bank Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( XXXX Bank ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.

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 2025-02-02 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: WA

Complaint narrative:
Account with XXXX XXXX XXXX Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( XXXX XXXX  ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.

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 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit or authorize any of the following inquiries, and I believe they are fraudulent. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX ( listed twice ) XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Since I never applied for credit with these institutions, I am requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate this matter and ensure my personal information is not being misused. 

I have also contacted the credit bureaus and the creditors involved to dispute these inquiries. I am submitting this complaint as an additional measure to protect my credit and prevent further fraudulent activity. 

My Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Ohio, XXXX Phone Number : XXXX Email : XXXX Please advise on the next steps and let me know if any further documentation is required. I appreciate your assistance in resolving this matter promptly. 

Sincerely, 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to dispute inaccurate personal information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). Upon review, I noticed incorrect details associated with my profile, including : Incorrect Address These inaccuracies are not a reflection of my correct identity and should be deleted or corrected immediately. I have attached copies of my identification and supporting documents to verify my correct information.

Please update my credit file and provide written confirmation of the corrections. If this information can not be verified, it must be removed from my report as required law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
I opened an XXXX XXXX account with Synchrony Bank on XX/XX/XXXX, with an account ending in XXXX. On XX/XX/XXXX, I received a call from Synchronys fraud investigation team regarding a fraudulent transaction for {$10000.00}. I informed them that I did not authorize this transaction, as I had not yet physically received the card. They mentioned the card could have been sent to a mailbox, and I promptly filed a fraud claim. I also requested that they close the account and send me a replacement card, which they did through XXXX on XX/XX/XXXX. I activated the new card on XX/XX/XXXX. 

To my surprise, I later saw the fraudulent transaction appear as an account transfer in my new card account ending in XXXX. Synchrony Bank has conducted three investigations so far, each time closing the case and stating that I authorized the transaction and benefitted from it. I find this completely unfair, as I had not received the card and had not authorized the transaction. The investigations are not thorough or impartial, and they close after 30 days without addressing my concerns. 

I have provided all requested documents by mail and fax, including a police report from the XXXX Police Department ( case # XXXX ) dated XX/XX/XXXX, but the bank continues to close the investigations for incorrect reasons. Its becoming increasingly difficult to explain to the fraud investigation team that I am not satisfied with their decision, as I did not physically have the credit card to authorize the transaction. I feel the bank is unfairly debiting my account when they should be investigating the merchant and the person who received the product or service. For these reasons, I am filing this complaint in hopes of reaching a just resolution.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was in the class action lawsuit against cash app and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DE XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the XXXX XXXX being reported.

Company response to consumer: Closed with explanation