vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 protected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Essential Lending Inc
State: WI

Complaint narrative:
I am working with the XXXX XXXX XXXX XXXX there number is XXXX I would suggest you give them a call Please Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX attempting to collect a reported amount due from the original collector " Klarna ''. Documented emails of communication from the Klarna company invoice statement was sent as a final notice ( warning prior to sending this to collection agency " XXXX '' ) shows the unpaid amount left owed on the account to be exactly {$11.00} remaining due, to be paid by XX/XX/year>. 

Verification for the debt that was reported to the collection agency was unavailable for me to request to see. Only option accessible to me when contacting the company was direct link to input financial information for processing a payment. No access to view or dispute the transaction was available for me online, and calling customer service as a way to address the claim in the amount of {$18.00}, that is reported against me. This information is incorrect, and seems fraudulent when asked to provide any further information to my right as a consumer.

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: Consumer Portfolio Services, Inc.
State: WA

Complaint narrative:
My identity was compromised and these inquires were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to repost information on my credit report without my permission. Please remove this item from my credit report. CPS ( Finance ) XX/XX/scrub>XXXX XXXX XXXX  ( Bank ) XXXXXX/XX/year>

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Dispute of Incorrect Collection Account Reporting XXXX XXXX XXXX  Account Number : XXXX Collection Account Reporting on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint regarding a collection account reported on my credit file that does not belong to me. Despite my attempts to resolve this matter with the credit reporting agencies, the account continues to appear on my credit report, and my dispute has not been properly investigated or resolved. 

Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Balance : {$3100.00} I have reviewed the information associated with this account and discovered several discrepancies that clearly show this account is not mine. First, the Social Security Number ( SSN ) reported with this account is not my SSN. This is a critical issue, as it indicates that the account belongs to someone else entirely. Additionally, I have never lived at the address listed in connection with this collection account. 

I have attempted to resolve this issue with the credit bureaus ( XXXX, Experian, and XXXX ), but despite my dispute, the credit bureaus have failed to conduct a proper investigation in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have requested that they verify the information and remove the incorrect entry from my credit report, but they have either ignored or inadequately addressed my requests. 

As the account is clearly a result of incorrect reporting, it is causing significant harm to my credit score and financial standing. This is a violation of my consumer rights under the FCRA and Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene on my behalf to : Investigate the situation thoroughly, including the Social Security number mismatch and the incorrect address associated with the collection account. 
Ensure that the credit bureaus properly remove this collection account from my credit report as it does not belong to me. 
Hold the credit bureaus and XXXX XXXX XXXX accountable for failing to conduct a proper investigation and for continuing to report this erroneous information. 
I have already taken the necessary steps to dispute the account with the credit bureaus, but my dispute has not been resolved. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please let me know if you require any additional information or documentation.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was charged a late fee because Bank of America does not offer an option to set up automatic payments for the statement balance or current balance. The only available option is for a fixed amount, which doesnt work in my case since my credit card balance varies. Setting a fixed amount could result in either underpayment, which incurs interest, or overpayment. 

I kindly request that Bank of America implements an option to set up automatic payments for either the statement balance or the current balance. This feature would ensure that customers like me are not charged unnecessary late fees or interest and can manage payments more efficiently.

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 2025-01-22 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:
My loan has been transferred to this company. My documents show a loan number that is not recognized and so I can not set up my loan. My payment is due next week. I called the phone number on the documents and it does not work. I looked online, its the same number. I went to their social media, same number and multiple comments from people stating for days theyve been trying to call this number. Theres no ability to chat or email this company. The only access is a phone number that does not work. Do the employees not realize theyre not getting phone calls? This is bizarre. Ive worked in this business for 12 years and never seen a servicer like this. 

The reviews are also concerning from a consumer protection standpoint. Lack of communication with a borrower is unacceptable and against the law.

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 — Account information incorrect
Company: Self Financial Inc.
State: SC

Complaint narrative:
Dear SELF FINANCIAL/LEAD BA I am writing to formally dispute the late payment reporting on my account XXXX as reflected on my credit reports. This reporting appears inaccurate and may constitute a violations of federal laws. 

Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements containing all information required by 15 U.S.C. 1637 ( b ) are mailed or delivered to the consumer at least 21 days before the payment due date. 

To address this dispute and verify the accuracy of the reported late payment, I request that you provide the following documentation : Proof of compliance with 15 U.S.C. 1637 ( b ), specifically showing that my periodic statement was mailed or delivered to me no later than 21 days before the due date for the disputed payment. 
Evidence of your reasonable procedures designed to ensure compliance with the law in relation to my account. 
Any records or communication demonstrating that I was properly notified of the payment deadline in accordance with the above statutes. 
If you can not provide proof that these requirements were met, then the late payment reporting on my credit file is inaccurate and violates federal laws. I require that you immediately correct or remove the erroneous reporting from my credit reports. 

Failure to comply with these legal requirements will be grounds for further action.

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 — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I sent a letter to Credit Collection Services to verify a debt they are attempting to collect from me. I gave them 30 days to respond in which I still have not heard back from them. 

I sent the letter certified mail and the tracking number is XXXX

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: 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: CA

Complaint narrative:
Have consistently asked for debt validation Experian responds validated but does not send information what was validated and how. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these have been over 7 years deleted on credit file and re inserted with new dates. This has been done to all 3 credit companies

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Recently, I noticed a charge of {$13.00} labeled as interest fees on my American Express card, associated with Transaction # XXXX. This charge was applied in error, as it appears inconsistent with prior communications. 

Details of the Issue : Date of Charge : XX/XX/XXXXXXXX  Amount : {$13.00} Transaction Number : XXXX Actions Taken : On XX/XX/XXXX, I paid my full balance, including {$66.00} in interest charges, as reflected in the statement ending XX/XX/XXXX. Before making this payment in full, an American Express agent assured me that no further interest charges would be applied. Based on this assurance, I paid the full amount to avoid any trailing interest charges. 

When I noticed the {$13.00} interest charge, I contacted American Express to resolve the issue. During this call, I opened a case ( Case ID # XXXX ). After several follow-up calls, I was informed that while the prior agent had provided me with incorrect information, the company could not resolve the issue. 

Unsatisfied with this response, I insisted on finding a resolution. After further discussion, the representative opened a new case ( XXXX ID # XXXX ) to investigate the matter. 

I kindly request a review of the {$13.00} charge, given that I had paid the previous balance in full, including all accrued interest, based on the assurance provided by an American Express agent. The conflicting information and the acknowledgment of error suggest this charge may have been applied inappropriately. If this is the case, I would appreciate a refund of the {$13.00}.

To facilitate the review, I have attached my bank statement for your review, which confirms my payment history and balance details. 

Thank you for addressing this matter. I look forward to your response and resolution.

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: IL

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.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX has failed to fulfill its illegal obligation under the Fir Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as 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: 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:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I went inside of TD BankXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX to open an account and I was Denied access to open an account however I explained that my information was used fraudulently in a Data Breech settlement and it is effecting my ability to open any bank account in my name I need this rescinded immediately I am a victim of fraud

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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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 that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: NC

Complaint narrative:
I am filing this complaint due to Equifaxs willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests, Equifax has failed to verify or remove an unverified derogatory account and impermissible inquiries on my credit report. 
1. Unverified Account : Name of Account : XXXX of XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Status : Open Equifax has failed to provide documentation verifying this account. Under FCRA Section 611 ( 5 ) ( A ), Equifax must delete any information that can not be verified. 
2. Impermissible Inquiries : Hard Inquiries : These inquiries are not tied to credit products I currently hold, violating FCRA Section 604 ( a ). 
Soft Inquiries : These inquiries are unrelated to legitimate purposes or products I hold. 
Promotional Inquiries : Promotional inquiries must meet prescreening requirements under FCRA Section 604 ( c ). Equifax has failed to demonstrate that these inquiries serve a legitimate purpose.

Identity Theft Report Filed : In XX/XX/XXXX, I filed an identity theft report with the federal government regarding fraudulent activity on my credit report. Under FCRA Section 605B, Equifax is required to block or remove all fraudulent or unauthorized information within four business days. Despite this, the unverified account and impermissible inquiries remain on my report.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing YET AGAIN to complain against Experian for their failure to conduct an adequate investigation into disputes I submitted on XX/XX/year>XXXX  and via this portal in XX/XX/year>. These disputes pertain to several accounts that are reporting inaccurately and violating my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my providing detailed documentation and a clear explanation of the inaccuracies, Experians response has been wholly insufficient. They have not furnished any documentary evidence to substantiate their so-called " investigation. '' This lack of transparency and due diligence raises serious concerns about their compliance with federal regulations designed to protect consumers from credit reporting errors. 

I was reading the CFPB 's lawsuit against Experian, which highlights systemic issues with their handling of consumer disputes and violations of the FCRA. This pattern of negligence, as cited in your lawsuit, appears to mirror my own experience. Experians practices are not only frustrating but also detrimental to my financial well-being.

I demand that Experian immediately remove the disputed accounts from my credit report as they have failed to provide any verifiable evidence to justify their continued reporting. Additionally, I urge the CFPB to investigate Experians handling of my disputes and take appropriate enforcement action to ensure compliance with federal law.

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